Skip Navigation Documents in Portable Document Format (.PDF) require Adobe Acrobat Reader 5.0 or higher to view. Download it now.

Oconee State Bank, Watkinsville, GA

Virtual Banking Center

Virtual Banking Center

Welcome to Oconee State Bank's Virtual Banking Center! While technology has become essential to our every day lives, we still believe in the value of building relationships with a personal touch. We want our digital banking solutions to meet your every need, but also be just a call or click away. Our extremely knowledgeable and friendly team of Virtual Banking Center Personal Bankers are here to assist you with all of your banking needs- from providing your available balance, to resetting your Online Banking password, to applying for a personal loan- and everything in between. With nearly 50 years of combined banking experience, we are ready to provide you with remarkable service and products you can't live without.

Here are a few commonly accessed links to help serve you:

Online Banking Enrollment Online Banking Password Reset

Reorder Checks

Meet our Team

Our Virtual Banking Center can be reached by phone during regular business hours at 706-769-6611, or contact us anytime by email at We look forward to hearing from you!

head shot

Shannon Ford
Assistant Vice President 
Virtual Banking Manager

Shannon joined the OSB team in 2003. She has served in a multitude of roles, including branch management. While overseeing our Call Center for the past several years, Shannon has taken her team to the next level. Boasting a 94% answer rate, her team is consistently recognized for offering personalized service through our virtual delivery channels. As leader of our Second Mile Service Ambassadors, Shannon possesses a strong passion for both innovation and customer service.

An alumna of the University of Georgia, Shannon enjoys spending time outdoors with her husband and their two daughters.

head shot

Angie Shaw
Personal Banker

With over 13 years of service at Oconee State Bank, Angie is a treasured team member by both customers and co-workers alike. Combining her years of experience in Deposit Operations and on our Teller line, she is able to successfully resolve any matter at hand and has a true heart for customer service.

After hours Angie enjoys long trail walks with her rescue dogs and watching sci-fi flicks. She is a true nurturer and has a heart of gold!

"My favorite thing about working at OSB is the fun and creative atmosphere; there is never a dull moment!"

Halee Wenzl
Personal Banker

Having studied Business Management at Georgia Southern University, Halee returned to the Oconee county area to put her studies and talents to use.  Halee excels at connecting with her customers, and ensures every customer experience is friction-free. 

Off the clock, she enjoys running, animals, and learning new things.  Halee is especially passionate about improving the lives of animals and people around her, and giving back to her community. One of her greatest joys in life is fostering dogs and helping them find their forever home.

"I love working at OSB because of the family environment and how involved we get to be in the community."


Cindy Frazier
Personal Banker

Cindy has over five years in the banking industry.  Her experience ranges from teller support, customer service and call center support.  Cindy has worked for large banks and enjoys the family atmosphere that OSB promotes.  Cindy studied criminal justice and plans to further her education in the business industry. 

Outside of work, Cindy enjoys living out one of her many life goals and dreams which is fostering animals and working closely with rescue organizations to ensure that animals are placed in their forever homes. She also enjoys spending time with her husband and raising her 3 wonderful kids.

 "I love working for OSB.  I truly enjoy the family values that OSB supports and promotes.”


sara head shot
Sara Dunn
Vice President 
Electronic Banking

Sara joined the OSB team in 2003, and has primarily served in the Electronic Banking department. With a BSA from the University of Georgia and MBA from Georgia Southern University, she deeply cares about the communities she serves and calls home. While off the clock, Sara can be found playing with her two rescued dogs, grabbing a bite of Mexican food, or enjoying live music. The beach is her happy place, and she loves that she can bank with her toes in the sand.

"While our digital banking solutions are robust and feature rich, there is something so valuable about hearing your banker's voice after just a ring or two. After nearly 60 years in the business, we have never lost sight of that and what it means to our customers."

Free Ride To The Top
of the page