Personal Checking     

At Oconee Federal, we know how important your personal accounts are. Checking and savings accounts are the foundation of your personal finances which is why we have a wide variety of options to fit your personal needs at every stage of your life.

Features

All personal Checking Accounts include:

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Action Checking

Our Action Checking account offers simplicity, giving you the services you need without the hassles.

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Smart Checking

We believe that an account that enables you to earn interest with few requirements is truly “smart.”

a close up of a watch face with a red second hand.

Money Market

Along with the convenience and flexibility of checking, this account offers interest at tiered rates that increase with your balances.

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Seniors First Program

Smart Checking accountholders age 55 or older are eligible for the Seniors First Program.

Key Features

  • Smart Checking Account receives a preferred interest rate
  • Free Cashier’s Checks
  • Free Basic Checks (1 box per year)
  • Free paper or eStatements

Personal Checking Accounts

AccountAction CheckingSmart CheckingMoney Market
Minimum Opening Balance$100 $100 $2,500
Minimum Balance per Statement Cycle to Avoid an Account FeeNone$100 $2,500
Interest BearingNoYesCompetitive interest rates
Basic Checks FreeNoNoYes
E-StatementsFree*Free*Free
Account Fee Per Statement CycleNone$10 for balance below $100$15 for balance below $2,500

*Paper Statement fee $5 per statement cycle.