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Oconee State Bank, Watkinsville, GA

Online Banking & Bill Pay

New Digital Banking Suite is Here!  

Our new Digital Banking Suite is a seamless — and more personal — way to manage your finances. No matter where you are or what device you want to use, you can:
  • View Balances and TransactionsSearch your recent activity, filter transactions with tags, even add an image or note to an entry.
  • Transfer Funds: Effortlessly initiate one-time, future dated, or repeating account to account transfers, so you can pay your bills — and your friends.
  • Schedule Payments: Set up recurring bill payments from any device.
  • Get Alerts: Receive automatic alerts and push notifications to help you stay on top of your account.
  • Link Outside Accounts: Get the full picture when it comes to your finances. View transactions and balances from all of your accounts in one convenient place.

Whether you’re on your laptop, smartphone or tablet, you are always connected. Visit our Quick Reference Guide to start discovering features!


Digital Banking Suite Quick Reference Guide

Accessing Oconee State Bank’s Digital Banking Suite is simple.

  • Existing online banking users will use your current username and password to log in. Update your browser for an optimal experience!
  • Our mobile app will prompt you to download the new version.
  • Existing bill payments and payees will automatically copy to the new system.
  • New to online banking? Visit to enroll. 
Still have questions? Click below to view FAQs and How To Videos.


Notable Features to Simplify Your Finances

Manage your Debit Card

  • Turn your card on and off if it’s lost, stolen or being misused.
  • Enter travel notes to let us know when your card activity may change.

Personal Financial Management with Insights

  • Access to a larger number of external financial institutions. 
  • Integration with the latest security protocols to keep your information safe and secure. 
  • Increased reliability to ensure your accounts have the latest information.   

See Insights How-To Guides Below

Link Accounts   How to Add Accounts to be Viewable

How to Add an Alert   How to Tag Transactions 

How to Add a Budget    How to Add Income & Bills to the Cashflow

How to Understand Spending By Category

Bill Pay

Take your Online Banking to the next level with Bill Pay. Our easy-to-use Bill Pay solution will save you time and money- no more mailing in check payments or visiting multiple online payment centers. Features of our free  Bill Pay include:

  • Setup one-time and recurring payments
  • Send payments anywhere in the US
  • Electronic payments process in as little as 1-3 business days
  • Check payments process in 5-7 business days
  • Access bill payment history for up to 12 months
  • Daily cutoff time for scheduled payments is 3 PM
  • Online chat support for Bill Pay available Monday - Friday, 7:30 AM - 2 AM
  • Contact Bill Pay support by phone at 866-592-0853
  • Call-in support for Bill Pay available Monday - Friday, 7:30 AM - 2 AM 
  • Set up eBills so that your payee's electronic statements come right to your Bill Pay
  • Setup payment reminders with our interactive Bill Pay calendar
  • Use the P2P* (person-to-person) payment feature in our Mobile App to pay individuals electronically to their VISA Debit Card or bank account*please allow 1-3 business days for P2P payments to post to the recipient's account


Access your account statements anytime through our secure Online Banking Electronic Statement Portal. Statements can be securely retained for easy access. Opt in to be notified the moment your statement is generated. eStatements can be combined with our other digital services bettering the environment by reducing paper waste.
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