Personal Checking

At Oconee State Bank, it is our desire to serve you both now and in the future. With our diverse line of personal products and services, we're ready to meet your needs. Whether you're looking for a checking or savings account, want to invest in your family's future, or maybe you're ready to purchase a new home, you can "Count On Us" to help.

Please see our checking products below to help decide which account is best for you!

In order to open a new account and establish and protect your identity, we will ask for some personal identifying information. We know your time is valuable, so please bring this information with you when you come. Please allow at least 30 minutes to establish your relationship at any of our convenient Oconee State Bank locations.

-Social Security or taxpayer ID number
-Unexpired Government issued ID or driver's license, military ID, or passport

-Proof of physical address, date of birth, phone number(s), and email address



Totally Free Checking


A free account
for everyone

VIP Free
Interest
Checking




FREE checking with the convenience of direct deposit or any automatic payment


50+ Free Interest Checking



FREE for customers 50 and over





High  Interest Checking  



An account
for those
interested in
higher interest



Opening Deposit
$50 $50 $50 $50
Minimum balance or other requirements None! Must have monthly electronic transactions Must be at least 50 years old Must maintain a minimum balance of $1,500
Monthly or other service fees No No No Only $10 monthly charge if minimum balance falls below $1,500
Competitive Interest No Yes Yes Yes
Per check charge No No No No
Unlimited Check Writing Yes Yes Yes Yes
Free Personalized Checks No No Yes
Yes
Mobile Deposi t
*.50 per item fee applies
*Subject to approval
Yes
Yes
Yes
Yes
FREE Net Advantage and Bill Pay Yes
Yes
Yes
Yes
FREE Mobile Advantage
Yes
Yes
Yes
Yes
FREE eStatements
Yes
Yes
Yes
Yes
FREE VISA Debit Card
Yes
Yes
Yes
Yes
FREE ATM Transactions at Oconee State Bank locations
Yes
Yes
Yes
Yes
FREE Voice Advantage telephone banking 24/7 Yes
Yes
Yes
Yes
*Live Personal Bankers available Yes
Yes
Yes
Yes

*Please visit our information page to see hours of operation, or click here to contact us.

This offer is good on personal accounts only; business/corporate accounts do not qualify for these plans.

Bank rules and regulations apply.

Additional products or services available:

Subject to application and credit approval

Safe Deposit Boxes are not FDIC Insured

A valid checking or savings account opened for 30+ days and active online banking credentials are required

Remarkably Driven

Our exceptional customer service pit crew, always ready to provide quick assistance with a smile.

More Info >

Electronic Services

At Oconee State Bank, we offer an array of Electronic Services to our account holders. More Info>