Effective Friday, September 5, 2025, the Main Office and Bogart Financial Centers will begin closing at 5:00PM on Fridays.

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

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Say Hello to Zelle® Sending money is just a tap away.

Now available in our mobile app — fast, safe, and easy.

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We’re excited to announce that you can now access Presto! ATMs.

ATMs at Publix stores nationwide—with NO foreign ATM fees!

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Personal Banking
at its absolute best.

Experience our new Digital Banking Suite today!

More banking on the go! Experience the new Oconee State Bank mobile app.

System Requirements:
Current version 4.12 as of March 2018
iOS 10.1 or higher for iPhone® and iPad® devices
Android 5.0 or higher for Android™ devices

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  • New direct debit Netflix.com
    $14.99
  • You’ve received money Payment from Sophie
    $78.24

Business Banking
has never been easier.

Our new favorite number?

Get 0% Introductory APR for the First Seven Billing Cycles.

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We're a bank that's
built to serve our
community.

Visit us today
We're proud to have locations in:
  • Watkinsville
  • Athens
  • Bogart
  • Gwinnett
  • Macon
  • Elberton