Important Fraud Prevention Reminder: Oconee State Bank will never call or text you asking for your personal information. If you receive a call or text from any number asking you to confirm personal account information or verify unusual account activity, please reach out to our Digital Solutions Center by calling 706-769-6611. Do not call the number in the message or provide personal information. Stay Alert. Stay Secure.

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Essential Checking

Oconee State Bank's Essential Checking account offers all the basics plus much, much more.

Essential Checking is Powered by BaZing!

Get the basics and so much more!

  • Anywhere Banking Tools

    Free access to Online banking, mobile banking, mobile deposit, bill pay, eStatements. VISA® Debit Card, 24/7 VISA® debit card fraud monitoring. Apple Pay, Samsung Pay, Google Pay.

  • Billshark

    Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
    *Please read disclaimer 4 below.

  • BaZing Fuel

    Earn 3% cash back on your fuel purchases! Up to $5 per month with 20 debit card swipes.
    *Please read disclaimer 5 below.

  • Shop local, save local

    Local discounts and national retailer deals to save you money on shopping, dining, travel, and more. Savings from national and local businesses, including many of your favorite retailers and restaurants- all from the convenience of your Remarkable Perks+ app or online.
    *Please read disclaimer 1 below.

  • Health Savings Card

    Save money on prescriptions, eye exams, frames, lenses and hearing services.

  • Cell phone protection

    Pay your cell phone bill with your Bazing checking account, and you’re covered. We’ll pay to have it repaired or replaced, up to $800 per claim (maximum of $1,600 per year).
    *Please read disclaimer 2 & 3 below.

  • ID theft aid

    Personal Identity Theft Benefit: Receive up to $2500 reimbursement for covered expenses you incur to restore your identity.
    Identity Restoration and Payment Card Resolution: Identity restoration specialist works on your behalf to restore your identity, including public records, change of address, social security, and non-credit loans.
    Credit Monitoring and Credit Report: Monitor changes and new activity on your credit report and review your credit report quarterly.
    Identity Monitoring: Monitors the dark web to identify activity associated with your identity, including public records, change of address, social security, and non-credit loans.
    *Please read disclaimer 2, 3 & 4 below.

  • Roadside assistance

    Available 24/7 and free to use, up to $80 in covered charges. Covered services include towing assistance, battery service, flat tire assistance, fuel, oil, fluid, water delivery, lock-assistance, collision assistance and extrication assistance.

  • $10,000 travel accidental death coverage

    Peace of mind for the unexpected. Covers loss of life due to an accident while traveling by licensed common carrier (airplane, bus, taxi, train) or as a private passenger in an automobile.
    *Please read disclaimer 3 below.

  • Financial Wellness

    Financial Wellness helps you create specific and legally binding documents such as wills, Health Care Proxies, Powers of Attorney, and more.
    *Please read disclaimer 4 below.

  • Pet Insurance

    Preferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet Rx and more.
    *Please read disclaimer 4 below.

  • File Your Taxes

    Get your federal tax return filed for FREE with FileYourTaxes.com.
    *Please read disclaimer 4 below.

  • Minimum balance requirements

    No minimum balance requirements. Only $50 opening deposit to get started.

  • Monthly maintenance fee

    All for just $6 per month.

  • Monthly statement fee

    This account is subject to a $5 paper statement fee. The paper statement fee is not assessed if you enroll in eStatements.

DISCLAIMERS

  1. Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
  2. Subject to the terms and conditions detailed in the Guide to Benefits.
  3. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
  4. Requires additional activation to begin.
  5. To earn 3% cashback on fuel purchases, you must connect your powered by BaZing checking account through Plaid and complete 20 qualifying debit card transactions each month. ATM withdrawals, account transfers, and deposits or refunds do not qualify. Cashback rewards are automatically deposited into your account monthly, up to a maximum of $5 per month. For complete program details, please refer to the BaZing Fuel Terms and Conditions. The BaZing Fuel cashback program may be modified or discontinued at any time without prior notice.