Oconee Financial Corporation operates as the bank holding company for Oconee State Bank and provides community banking products and services. The company offers checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts; residential mortgage loans, construction loans, commercial real estate loans, commercial and industrial loans, small business administration loans, consumer loans, lines of credit, and mortgage banking services. The company also offers treasury management, cash management, ACH, wire transfer, merchant services, business bill pay, and employee benefit and retirement plan services; debit and credit card, ATM, safe deposit box; telephone, online, and mobile banking services; mobile deposit, and eStatement services; Zelle, identity theft protection; Positive Pay fraud detection, sweep account, and express deposit services. It operates full-service financial centers. Oconee Financial Corporation was founded in 1960 and is headquartered in Watkinsville, Georgia.