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 state of your life.


All personal Checking Accounts include:

Personal Accounts Comparison

What We Offer

Action Checking

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

Smart Checking

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

Premium Checking

Our premier account, designed for those who keep higher checking balances, pays interest at balance-based tiered rates.

Money Market

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

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 CheckingPremium Checking

Money Market

Minimum Opening Balance $100 $100 $10,000 $2,500
Minimum Balance per Statement Cycle to Avoid an Account Fee None $100 $2,500 $2,500
Interest Bearing No X X Competitive interest rates
Basic Checks Free No No X X
E-Statements Free* Free* Free* Free*
Account Fee Per Statement Cycle None $10 for balance below $100 $15 for balance below $2,500 $15 for balance below $2,500

*Paper Statement fee $5 per statement cycle.


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Site Notice:

Please guard your personal banking information. Oconee Federal would NEVER text, email or call you and ask for your account information. When in doubt, contact us at 864-882-2765 or 1-888-910-2265 to verify any requests.

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