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Oconee State Bank, Watkinsville, GA

Online Banking & Bill Pay FAQs

When are Online Banking & Bill Pay available?

While we make every effort to provide 24/7 Online Banking services, there maybe 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 Online Banking & Bill Pay services?

Online Banking & Bill Pay are free features available to all Oconee State Bank account holders.

What software is required to access Online Banking & Bill Pay?

Oconee State Bank’s Online Banking site is optimized for use with the following browsers:

· Microsoft© Internet Explorer 9 or higher

· Mozilla Firefox 5 or higher

· Safari 6 or higher

Be sure to select a recommended or supported version when downloading at the following locations:

· Microsoft© Internet Explorer Download:

· Mozilla Firefox Download:

· Safari Download:

If you use an unsupported browser, you may not be able to take full advantage of all the features of Online Banking & Bill Pay.

Can I view a copy of a processed check?

Images of check payments are available on Online Banking for up to 12 months.

How much transaction history is available on Online Banking and Bill Pay?

Transaction history, payment history, and account statements are available for up to 12 months.

What if I forget my User ID or Password for Online Banking?

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

I have setup a one-time or recurring bill payment. When will the funds be taken out of my account?

If the payment is electronic, funds will be debited from your account the day the payment is scheduled. If the payment is by check, funds will be debited from your account once the check is presented for payment.

What if I do not have enough money in my account to pay a bill?

Electronic payments will not be processed until funds are available. The payment will attempt to be sent until the funds are available for up to five (5) business days. Check payments are treated as any other check you have written and will still be mailed to the payee regardless of funds availability.

What if I create a new payment in error or change my mind?

The daily payment cutoff time is 3 PM. You can make changes or delete payments up that that time.

What happens if I have a scheduled payment that falls over a weekend or holiday?

Scheduled payments that fall on a non-business day will be processed on the prior business day. No payments are processed on weekends or Bank holidays.

What happens if I lose connectivity during a transfer or bill payment?

When you successfully complete setup a transfer or bill payment, you will receive a confirmation number. If you do not receive a confirmation number due to connectivity issues, check your scheduled transfers or bill payments and re-submit any transactions that did not process.

What do I do if a payment I made online was never received by the payee?

If you ever have any questions about a payment, please call or chat with Bill Pay support online or at 866-592-0853. They will be happy to research your payment.

What if my email address changes?

Login to Online Banking and click Options to update your password. 


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