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Checking

Putnam Bank offers the following Personal Checking products:


Classic Choice Checking

Enjoy the benefits of a no minimum balance checking account with unlimited check writing by choosing the convenience of direct deposit.

  • Minimum to open account is $20.00
  • No monthly fee or minimum balance required as long as direct deposit is maintained
  • Minimum daily balance of $100 if no direct deposit to avoid the $7.00 monthly service charge
  • FREE Putnam Bank Check Card
  • FREE Telephone Banking Service
  • Four Fee-Free Foreign ATM transactions per statement cycle
  • FREE introductory order of printed checks
  • FREE Online Banking
  • FREE Mobile Banking1
  • FREE Online Bill Payment Service2

1 Your mobile carrier’s text messaging and web access/ data rates and charges may apply. Check with your mobile service provider for details on specific fees and charges. Some mobile features may require online setup. Individuals are responsible for security of their mobile device. Never Text and Drive. Web access is required for the Mobile app. Terms and conditions may apply.  2 If registered for Bill Payment and you don't make any bill payments in two consecutive months, a $5 monthly fee will be assessed to your checking account at the start of the third month.


Classic 50's Checking

People aged 50 and over enjoy free checking with our Classic 50's Checking. Classic 50's customers also receive a FREE Coupon Book offering discounts at many area restaurants.

  • Minimum to open account is $20.00
  • No monthly fee or minimum daily balance
  • FREE Checks (limited selection)
  • FREE Putnam Bank Check Card
  • FREE Telephone Banking
  • FREE Online Banking
  • FREE Mobile Banking1
  • FREE Online Bill Payment Service2 
  • No annual fee for Personal Credit Protection
  • Fee-Free Money Orders & Cashier's Checks (2 per day)
  • FREE Notary Service
  • Four Fee-Free Foreign ATM transactions per statement cycle
  • FREE Signature Guarantees
  • 10% Discount on Safe Deposit Box rental fees

1 Your mobile carrier’s text messaging and web access/ data rates and charges may apply. Check with your mobile service provider for details on specific fees and charges. Some mobile features may require online setup. Individuals are responsible for security of their mobile device. Never Text and Drive. Web access is required for the Mobile app. Terms and conditions may apply.  2 If registered for Bill Payment and you don't make any bill payments in two consecutive months, a $5 monthly fee will be assessed to your checking account at the start of the third month.


Student Checking Account*

Designed for teenagers, aged 13-18, to help understand the basic concepts of money management.

  • Minimum to open account is $10
  • No daily minimum balance
  • Monthly fee is waived
  • FREE introductory order of printed checks
  • FREE Putnam Bank Check Card with a $50.00 daily limit

*This account must be established in the child's name jointly with a parent or guardian.

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N.O.W. Checking Account

Earn interest on the entire balance in your N.O.W. Checking Account when you maintain a minimum daily balance of only $100.00.  Available to non-profit organizations and sole proprietors.

  • Minimum to open account is $100.00
  • Maintain a minimum daily balance of $1,000.00 to avoid $7.50 monthly service charge
  • Minimum daily balance to earn interest is $100.00
  • Interest is compounded daily
  • Unlimited check writing
  • FREE introductory order of printed checks
  • FREE Putnam Bank Check Card
  • FREE Telephone Banking Service
  • FREE Online Banking
  • FREE Mobile Banking1
  • FREE Online Bill Payment Service2

1 Your mobile carrier’s text messaging and web access/ data rates and charges may apply. Check with your mobile service provider for details on specific fees and charges. Some mobile features may require online setup. Individuals are responsible for security of their mobile device. Never Text and Drive. Web access is required for the Mobile app. Terms and conditions may apply.  2 If registered for Bill Payment and you don't make any bill payments in two consecutive months, a $5 monthly fee will be assessed to your checking account at the start of the third month.


Premier Relationship Account

Earn competitive rates of interest on Checking Account balances of $10,000.00 and above. Click here for current rates.

  • Minimum to open account is $1,000.00
  • Maintain a minimum combined balance of $10,000.00 to avoid $15.00 monthly service charge
  • Minimum daily balance to earn interest is $10,000.00Personal Checking
  • Interest is compounded daily
  • Unlimited check writing
  • FREE Putnam Bank Check Card
  • FREE Telephone Banking Service
  • FREE Online Banking
  • FREE Mobile Banking1
  • FREE Online Bill Payment Service2
  • FREE foreign ATM transactions3

Link your other Putnam Bank Accounts - Checking, Savings, Money Market Accounts and/or CDs - to your Premier Relationship Checking Account and you also receive:

  • FREE introductory order of printed checks (limited selection)
  • Save 50% on Safe Deposit Box Rental Fees (first year only)
  • 1/4% OFF Home Equity Loan Interest Rate (Automatic payment required)
  • Save $100 on Mortgage Closing Costs
  • $1000 Overdraft Privilege Service

1 Your mobile carrier’s text messaging and web access/ data rates and charges may apply. Check with your mobile service provider for details on specific fees and charges. Some mobile features may require online setup. Individuals are responsible for security of their mobile device. Never Text and Drive. Web access is required for the Mobile app. Terms and conditions may apply.  2 If registered for Bill Payment and you don't make any bill payments in two consecutive months, a $5 monthly fee will be assessed to your checking account at the start of the third month.  3 Other banks may add a surcharge.


iShopSuccess Checking

 If online shopping is part of your everyday life, this account might be suited for you.  The iShopSuccess Checking rewards you for doing daily banking activities many of us already do.  

By meeting a few qualifications, you can earn $7.50 a month in reimbursement credits1 towards iTunes downloads or Amazon.com purchases.  Plus, get a $20 bonus credit1 when you open your iShopSuccess Checking.  The credits can be used towards music, movies, books, apps and tons of great products.  Additionally, when you qualify, you receive a refund of up to $50 worth of domestic ATM fees2 per qualification cycle.

  • ATM Fee Refunds2
  • Minimum to open account is $20.00
  • No monthly service fees or minimum balance. 
  • FREE introductory order of printed checks
  • FREE Putnam Bank Check Card
  • FREE Telephone Banking
  • FREE Online Banking, Mobile Banking3, Bill Payment4, & eStatements.

It's easy to earn the free credits and ATM fee refunds.  Just meet these qualifications to receive the rewards:

  • Make 12 debit card (point of sale) transactions per qualification cycle
  • Enroll in Online Banking & eStatements

If for some reason, you do not meet the qualifications during the monthly cycle, you can try again the next qualification cycle.
 

Interested in learning more or want to sign up today, click here.

Must be 18 Years or Older. Personal Accounts only.  One account per Social Security Number.  Account qualifications: a.) Online Banking b.) eStatements c.) Conduct (posted and cleared) at least 12 Point of Sale (POS) Debit Card purchases within the monthly Qualification cycle.  ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards with this account. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count toward qualifying debit card transactions.  1. Credits are earned at the end of the qualification cycle and expire 60 days from the date earned.  2. ATM fee refunds are subject to account qualification requirements, only apply to domestic transactions and are capped at $5 per item up to $50 per statement (qualification) cycle.  ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction.  ATM fees of $5.00 will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches.  If you believe that you have not been reimbursed the correct amount, please contact us.  We must hear from you no later than 60 days after the statement cycle where the reimbursement was applicable.  Other terms, fees and conditions may apply. 3. Your mobile carrier’s text messaging and web access/ data rates and charges may apply. Check with your mobile service provider for details on specific fees and charges. Some mobile features may require online setup. Individuals are responsible for security of their mobile device. Never Text and Drive. Web access is required for the Mobile app. Terms and conditions may apply.  4  If registered for Bill Payment and you don't make any bill payments in two consecutive months, a $5 monthly fee will be assessed to your checking account at the start of the third month.

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Success Checking

Looking for an account that rewards you with a great interest rate and ATM refunds?  With our Success Checking, you get what you want.  The Success Checking is an interest-bearing checking account with no minimum balance requirement and no monthly service fees.  Even better, by meeting a few qualifications receive a refund of up to $50 worth of domestic ATM fees1 per qualification cycle and earn a high interest rate.   

Click here for current rates.

  • ATM Fee Refunds1
  • Minimum to open account is $20.00
  • No monthly service fees or minimum balance. 
  • FREE introductory order of printed checks 
  • FREE Putnam Bank Check Card
  • FREE Telephone Banking
  • FREE Online Banking, Mobile Banking2, Bill Payment3, & eStatements.

It's easy to earn the higher interest rate and ATM fee refunds.  Just meet these qualifications to receive the rewards:

  • Make 12 debit card (point of sale) transactions per qualification cycle
  • Enroll in Online Banking & eStatements
  • Set up one direct deposit or automatic payment per qualification cycle

If for some reason, you do not meet the qualifications during the cycle, you still earn a base rate of interest.  There are no penalties, and you can try again the next qualification cycle.

The Success Checking (Plus) can also be linked with a Success Saver account to earn even more interest. 
Learn more about the Success Saver.

Must be 18 Years or Older. Personal Accounts only. One account per Social Security Number. Account qualifications: a) Direct deposit or Automatic Debit (ACH), b) Online Banking, c) eStatements, and d) Conduct (posted and cleared) at least 12 Point of Sale (POS) Debit Card purchases within the monthly Qualification cycle. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards with this account. Debit card transactions processed by merchants and received by the bank as ATM transactions do not count towards qualifying debit card transactions. Only debit card transactions processed by merchants and received by the bank as POS transactions count toward qualifying debit card transactions. 1. Credits are earned at the end of the qualification cycle and expire 60 days from the date earned. 2. ATM fee refunds are subject to account qualification requirements, only apply to domestic transactions and are capped at $5 per item up to $50 per statement (qualification) cycle. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 60 days after the statement cycle where the reimbursement was applicable. Other terms, fees and conditions may apply. 3. Your mobile carrier’s text messaging and web access/ data rates and charges may apply. Check with your mobile service provider for details on specific fees and charges. Some mobile features may require online setup. Individuals are responsible for security of their mobile device. Never Text and Drive. Web access is required for the Mobile app. Terms and conditions may apply. 4 If registered for Bill Payment and you don't make any bill payments in two consecutive months, a $5 monthly fee will be assessed to your checking account at the start of the third month.


Prestige Money Market Statement Account

Our tiered Prestige Money Market Statement Account pays you higher rates of interest on larger balances and provides limited check writing privileges. Click here for current rates.

  • Minimum to open account is $1,000.00
  • Maintain a minimum daily balance of $1,000.00 to avoid $12.00 monthly service fee
  • A fee of $9.50 per transaction is imposed for exceeding transfer limitations*
  • Maintain a minimum daily balance of $1,000.00 to earn interest
  • FREE Putnam Bank Check Card (certain restrictions apply)
  • FREE Telephone Banking Service
  • FREE Online Banking
  • FREE Mobile Banking1

*Transfers from a Money Market Account to another account or to third parties by preauthorized, automatic, computer, check, debit card, or similar order and telephone transfer are limited to six per statement cycle.

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Putnam Bank Check Card

The Go-Everywhere, Do-Everything Card that works like a check, without the hassles. Our Putnam Bank VISA® Check Card is the faster, more economical way to buy the products and services you need. With your Check Card you can make purchases from your checking account without writing a check.

Funds are automatically deducted from your Putnam Bank Checking Account. You can also use your Check Card at any ATM displaying the VISA® logo. It's the checking – withdrawing – depositing – transferring card – All in One!

Putnam Bank is a member of the NYCE network's SUM program. What does this mean to you? If you use ATM's which display the SUM logo you will not be assessed a surcharge on your ATM transactions (foreign ATM transaction fees may still apply).

Putnam Bank is constantly working to ensure your security in an effort to better protect our customers and to reduce Debit Card fraud.  To read more about the steps were are taking in order to protect your funds and how this affects our debit card usage, please click here. 

To conduct a SUM search by City or by Financial Institution, click here.

Stop by or call the Branch nearest you today to apply!


Personal Credit Protection (P.C.P.)

A convenient line of credit attached to your checking account. (Subject to credit approval). Protect your valuable credit with Putnam Bank's Personal Credit Protection, a convenient line of credit attached to your checking account.

  • Your checking account is protected from overdrafts
  • You are protected against overdraft charges and returned checks
  • Your billing notice is part of your monthly checking account statement
  • Annual fee is $12.00
  • Amount: $500.00 - $5,000.00 ( Subject to credit approval)

Overdraft Protection

Overdraft Protection provides an automatic transfer of funds from your savings or checking account to a checking account when your balance falls below zero. The charge is $5.00 per transfer.

  • Your checking account is protected against overdraft charges and returned checks.
     

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