Essential Checking 
Oconee State Bank's Essential Checking account offers all the basics plus much, much more. Essential Checking is Powered by BaZing, giving you instant access to incredible discounts, cell phone protection, roadside assistance, and much more!
Benefits you'll use
Free ATM Withdrawals
Access cash easily from any ATM. Cardholders receive three free ATM withdrawals from non-Oconee State Bank ATMs each month and unlimited free ATM withdrawals and inquiries at Oconee State Bank ATMs.
Anywhere Banking Tools
Free access to Online banking, mobile banking, mobile deposit, bill pay, eStatements. VISA Debit Card, 24/7 VISA debit card fraud monitoring. Apple Pay, Samsung Pay, Google Pay.
Shop local, save local with BaZing savings
Local discounts and national retailer deals save you money on shopping, dining, travel, and more. Savings from over 360,000 national and local businesses, including many of your favorite retailers and restaurants- all from the convenience of your BaZing app or online.
Cell phone protection 1, 2
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen. Simply pay your cell phone bill from your Essential Checking account and you're covered!
ID theft aid 1, 2
Includes payment card fraud resolution, $2,500 in personal identity theft benefit, and identity restoration.
Roadside assistance
Available 24/7 and free to use, up to $80 in covered charges. Covered services include towing assistance, battery service, flat tire assistance, fuel, oil, fluid, water delivery, lock-assistance, collision assistance and extrication assistance.
$10,000 travel accidental death coverage 2
Peace of mind for the unexpected. Covers loss of life due to an accident while traveling by licensed common carrier (airplane, bus, taxi, train) or as a private passenger in an automobile.
Pharmacy, vision, and hearing services
Save money on prescriptions, eye exams, frames, lenses, and hearing services.
Minimum balance requirements
No minimum balance requirements. Only $50 opening deposit to get started.
Monthly maintenance fee
All for just $6 per month.
Monthly statement fee
Essential Checking accounts are subject to a $5 per month statement fee. Enroll your account in eStatements and avoid the $5 monthly paper statement fee.
1 Cell phone protection and personal identity theft benefit are subject to additional terms and conditions.
2 Insurance products are: NOT A DEPOSIT. NOT FDIC INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.