Reviews of Oconee State Bank

By: Oconee State Bank App

List of user reviews and ratings for Oconee State Bank

Total ratings

4.90 (Rating count: 942)

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Review summary

User reviews are largely positive, highlighting excellent, personal customer service and an easy-to-use app with strong payment features. The app combines big-bank tech with local support, and recent updates are seen as improvements. Recurrent concerns center on online access feeling overly technical, additional steps to reach accounts, and some perceived loss of personal touch due to growth, including third-party involvement in the online process.

Pros

Excellent customer service with a personal touch, both in-branch and via remote channels (chat/phone).
Easy-to-use, well-designed app and website with smooth navigation.
Strong payments integration within the app, making payments straightforward.
Tech-forward experience (big-bank features) paired with reliable local support.
Notable improvements from the old app/website; current version is perceived as bug-free and better designed.

Cons

Online banking can feel overly technical and require extra steps to access accounts (more hoops).
Growth in online services has led to some loss of personal touches in the online experience.
Reliance on third-party services to access accounts can add friction and complications.

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User Reviews

Recent rating average: 5.00

All time rating average: 4.90

Upgrade to see all 12 reviews

8% (1)

Date	Author	Comment
2026-05-29	te*****	I love all things OSB! The app is fantastic on the go and saves quite a bit of time. The one request I would make is to have instant transfer available with Venmo. I know the bigger banks do it, but if we can move in that direction that would be wonderful!
I love all things OSB! The app is fantastic on the go and saves quite a bit of time. The one request I would make is to have instant transfer available with Venmo. I know the bigger banks do it, but if we can move in that direction that would be wonderful!
2026-05-08	JG*****	App is good. Needs a bit more info; love multiple acct views. Need to be able to view full statements! And need to get EMAILED an actual bill when INTEREST HITS.
App is good. Needs a bit more info; love multiple acct views. Need to be able to view full statements! And need to get EMAILED an actual bill when INTEREST HITS.
2026-01-12	Ja*****	This is, by a long shot, the best bank I have ever banked with. I couldn’t ask for more. They truly respect me and my business.
This is, by a long shot, the best bank I have ever banked with. I couldn’t ask for more. They truly respect me and my business.
2025-12-27	We*****	I have been with this Bank a few years now, and I love the service I received, and the app is phenomenal.
I have been with this Bank a few years now, and I love the service I received, and the app is phenomenal.
2025-05-27	Tw*****	I’ve banked with Oconee State Bank since I was 19 years old, just married and moved to Oconee County. At that time they were truly your home town bank who knew who you were with wonderful personal service as we went into the bank more frequently. With growth, it’s become more technical with online services. Because of this some of our personal touches have been lost. However, when I go inside the Bogart branch to handle business, I’m greeted with that same wonderful personal service!! The staff are so professional and friendly, but know their banking business. They are always helpful and solve my problems. Or, if I need to see Alan Brown, my loan officer, who’s helped me since he came to the Bogart branch, he’s always available and helps me take care of business promptly. I appreciate the officers and staff at the Bogart branch!
I’ve banked with Oconee State Bank since I was 19 years old, just married and moved to Oconee County. At that time they were truly your home town bank who knew who you were with wonderful personal service as we went into the bank more frequently. With growth, it’s become more technical with online services. Because of this some of our personal touches have been lost. However, when I go inside the Bogart branch to handle business, I’m greeted with that same wonderful personal service!! The staff are so professional and friendly, but know their banking business. They are always helpful and solve my problems. Or, if I need to see Alan Brown, my loan officer, who’s helped me since he came to the Bogart branch, he’s always available and helps me take care of business promptly. I appreciate the officers and staff at the Bogart branch!
2025-03-28	jo*****	All the technology of a big bank with local customer service on the other end of the chat.
All the technology of a big bank with local customer service on the other end of the chat.
2024-12-29	Rw*****	Old app was buggy while this new one works wonders around the old one
Old app was buggy while this new one works wonders around the old one
2024-05-03	Vi*****	The new website is so much better. It’s really easy to use. Very well designed! Great job!
The new website is so much better. It’s really easy to use. Very well designed! Great job!
2024-04-29	PG*****	The new Oconee State Bank App is fantastic. Easy to use and navigate! OSB also has the best customer service when calling to discuss anything.
The new Oconee State Bank App is fantastic. Easy to use and navigate! OSB also has the best customer service when calling to discuss anything.
2024-02-28	Pl*****	Love the integration of the app with payments⭐️⭐️⭐️⭐️⭐️
Love the integration of the app with payments⭐️⭐️⭐️⭐️⭐️