Oconee Financial Corporation is a one-bank holding company for Oconee State Bank (the Bank). The Bank provides a full range of commercial and consumer banking services primarily in Oconee, Clarke, Gwinnett, Elbert, Bibb, and Bulloch counties in Georgia and in Washington County in Tennessee. Its personal products and services include basic checking, essential checking, essential plus checking, regular savings, OSB kids club, insured money market, certificates of deposit, individual retirement account, consumer loans, and construction loans. Its business products and services include business checking, commercial savings, commercial money market, certificates of deposit, commercial lending, small business administration, and business services. Its debit and credit card includes VISA debit cards, personal VISA credit cards, and business VISA credit cards. Its digital solutions include online banking, mobile banking, telephone banking, estatements, wire origination, bill pay, and Zelle.