October is Cybersecurity Awareness Month! Stay alert and protect your information. Never share passwords, PINs or security codes with an unexpected caller. Be cautious of anyone creating urgency or pressure. When in doubt, hang up and call us directly using a trusted number.

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Deeply Rooted. Always Growing.

For more than 65 years, the people and communities we serve have been at the heart of our story.

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Protect what you’ve built.

Fraud can happen fast. A few simple habits can help keep your accounts, identity and information secure.

Learn How to Stay Safe

Your business works hard. Your payments should work smarter.

Accepting cards shouldn't cost more than it has to. With Oconee State Bank and BancCard Merchant Services, we can review your current processing and identify opportunities to simplify payments and potentially save your business money.

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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.

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