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Oconee State Bank, Watkinsville, GA

Mobile Banking Frequently Asked Questions

When are Mobile Banking services available?

While we make every effort to provide 24/7 Mobile Banking access, there may be brief moments of downtime due to routine system maintenance. If we are aware of upcoming maintenance, we will post a message on the applicable system to notify users of downtime. 

What is the service charge for Mobile Banking services?

Mobile Banking apps can be downloaded for free. 

What happens if forget my User ID or Password for Mobile Banking? 

If you forget a User ID or Password associated with Mobile Banking, contact the Virtual Banking Center at 706-769-6611. After required identity verification, your password will be reset.

How do I access Mobile Banking from my mobile device? 

Customers with a valid Online Banking User ID and Password can access Mobile Banking from their iPhone©, iPad©, or Android™ devices by downloading the free Oconee State Bank Mobile Banking app in the Apple iTunes Store or Google Play Store. Users with other mobile devices may access our classic Mobile Banking site at 

What functions can I perform with Mobile Banking?

  • Real-time balance information
  • Current account activity
  • Transfer funds between accounts
  • Activate or cancel your debit card
  • Suspend your debit card 
  • Financial Center & ATM locator
  • Pay bills
  • Make deposits

How do I know if my transfer, bill payment, or deposit was entered successfully with Mobile Banking?

Each time you make a transfer, bill payment, or deposit a confirmation SMS Text Message or email will be sent to your mobile device. If you do not receive a confirmation text message or email, double check to make sure the transaction went through. 

What if I no longer want to be a mobile user? 

  • Go to Online Banking > Options > Mobile Settings
  • Deselect Activate Mobile Banking Access
  • Click Submit

What happens if I lose my mobile device? 

Since your account data is not stored on your mobile device, your Mobile Banking login information cannot be accessed. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number from Online Banking settings. 

Can I add or delete a Bill Payment payee in Mobile Banking? 

Yes, you can create and delete bill pay payees right from your Mobile Banking app. 

Can I add or delete a Bill Payment in Mobile Banking? 

Yes, you can create and delete bill payments right from your Mobile Banking app. 

What happens if I lose communication/signal during a transaction? 

When you complete a transaction from your mobile device (bill payment, funds transfer, mobile deposit, etc.) you will receive an SMS Text Message or email as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process. 

What do I need to do if I get a new phone? 

If you get a new mobile device, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, login to your Online Banking account via the Internet and update your information on the Options > Mobile Settings page. 
You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct. 

Can I use any mobile device to access Mobile Banking? 

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. 

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