Other Services

Advantage Points^®

Earn bonus points by using your Putnam Bank VISA® Check Card and signing with every purchase*. With Advantage Points®, you earn rewards for your everyday purchases. You automatically earn 1 point for every $3 in purchases you make with your Check Card when you swipe your card, select credit, then sign your receipt. As a member, you are entitled to earn bonus points and money saving perks by shopping at the Advantage Points Perks Mall, More Points & Restaurant.com.

Redeem your points by visiting www.myadvantagepoints.com and registering your card or calling customer service at 1-888-839-3399. Choose from exciting merchandise, travel, green products, gift cards, charitable donations and more.

Learn more by reading the full brochure.

Click here to read the Terms and Conditons.

*Please keep in mind that while making purchases online or by telephone, some merchants or their processing services will submit the transaction as a debit card transaction rather than a credit card transaction. These transactions are not qualified for the Advantage Points. Putnam Bank is not held responsible for the method by which a merchant or its processing agents uses to collect funds, so please verify with the vendor before making purchases.

Automatic Transfers

Save yourself unnecessary trips to the bank by choosing to have your Putnam Bank loan payment automatically withdrawn from your checking or statement savings account. Automatic transfer of funds between accounts makes saving easier. Choose to have funds transferred from your checking to savings, IRA, or club account on a regular basis. Both services are convenient and free. Contact us to learn more about automatic transfers today.

Bank at Work Program

With our Bank at Work Program, you can offer your employees an excellent benefit at no cost to you. Give us a call; we'll send a representative to your place of business and explain the many benefits of our Bank at Work Program to your employees. Employees who choose to sign up for our Direct Deposit Classic Choice Checking Account receive free checking and a host of other money saving features.

Bank-by-Mail

Bank-by-Mail offers you the opportunity to do your banking by mail and eliminates a trip to the bank. You can bank wherever you are; just contact us for your free supply of convenient bank-by-mail envelopes today.

Bill Payment

Pay all your bills with our Online Bill Payment service - no more writing checks and save on postage.

• Manage your bills from one easy location.  No more visiting each vendor's website to have them take funds from your account.  Just remember, one User ID and password instead of one for each vendor.
• Receive emails confirming that a bill has been paid. 
• Make individual or recurring payments.
• Set up e-bills and receive your monthly bill online instead of by mail. (This is only available if the vendor offers electronic bills)
• Run reports to determine how much you spend in a given time on certain bills (for example: find out how much you paid for utilities in a year).
• Bill Payments can be funded from multiple checking accounts.
• Bill Pay is FREE!*

* Note: If 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.

Certificate of Deposit Account Registry Service®

Certificate of Deposit Account Registry Service® (CDARS®) is an easy, convenient way to enjoy FDIC insurance on deposit amounts larger than $250,000. 

• Your large deposits are broken into smaller amounts and placed with banks that are part of special network.  Those banks issue CDs in amounts under $100,000, so your entire investment is eligible for FDIC insurance.  By working with Putnam Bank, you can receive insurance from many.
• You earn one rate on your entire investment.  No need for multiple rate negotiations or consolidating multiple disbursement checks.
• You receive one regular account statement listing all of your CDs, along with their issuing banks, maturity dates, interest earned, etc.

One Bank, One Rate, One Statement.  It's that simple.

Click here  for more information regarding CDARS®.

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 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!

The Putnam Bank VISA^® Check Card not only simplifies your purchasing, but it is also designed with you in mind.  Putnam Bank understands we all have different tastes, so we offer four different cards to choose from.  Choose the card that fits your style.

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 Putnam Bank is taking to protect your funds and how this affects your Debit Card usage, please click here.  

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

Click here to conduct a SUM search by City or by Financial Institution.

Check Reorders

Contact us for first time check orders. Click the following links to re-order Personal checks or Business checks.

If you experience problems with the online re-ordering process, please contact us and we will be happy to help you.

Deluxe ID TheftBlock^®

Take action now to protect your identity for $4.49 a month*.   Deluxe ID TheftBlock^®:

• Monitors your credit records.
• Screens check orders for name or address changes.
• Alerts you to activity on your account(s).
• Assists victims of identity theft.
• Reimburses certain expenses related to identity theft.
• Guards your account(s) and protects your good name.

Visit www.deluxe-idtheftblock.com to sign up today!

*The fee must be charge to a Putnam Bank account for this price to apply.

Direct Deposit

Arrange to have your payroll, social security, or other regular payment deposited directly into your Putnam Bank checking or statement savings account.

With direct deposit, you won't have to worry about getting to the bank. Contact us today to sign up for direct deposit. Free Classic Choice Checking with Direct Deposit!

eStatements

With eStatements, also known as electronic Statements, you eliminate paper and can view your monthly checking or savings account statement online instead of receiving it on paper. You have faster access to your account statement and won’t have to wait for it to arrive in the mail. Plus, you’ll be helping the environment by cutting down on the amount of paper used to generate and mail your statement each month. Your eStatement contains the same information as a printed statement. We will also send you any important notices and disclosures about your account via e-mail.

Frequently Asked eStatement Questions

International Services

Visit any of our branch locations to order foreign currency or wire funds overseas. For additional services see our Schedule of Service Fees. 

Investment Services

Investment Services are offered through Infinex Investments, Inc. located at Putnam Bank. When you work with Infinex Financial Group, you can expect the same professional service you have come to trust at Putnam Bank. Our Infinex Representative will help you investigate the wide variety of investment services and products available and how they might work together to best meet your professional financial goals.

Night Deposit Services

For your convenience, we have Night Depository boxes at all branch locations. If you would like to sign up for this service or need more information, please contact us.

Notary Public

Notarize your important documents at any of our branches. Notary services are offered free to our customers.

Online Banking

Spend less time banking and more time living! Apply for Online Banking and do all your basic banking anytime you want, from anywhere you have Internet access. For FREE! (Normal account fees apply).

• View all your Putnam Bank Accounts - checking, statement savings, money market accounts, CDs and IRAs - plus your loan accounts.
• Transfer funds between your PB accounts.
• See if checks have cleared or deposits have been posted.
• Reconcile accounts anytime, without waiting for your statement to arrive in the mail.
• Download account information into Microsoft Money or Quicken.
• Use Bill Pay and Presentment ("BPP" / "Bill Pay") and save even more time (Bill Pay is also free*).
  
  * As long as you make one Bill Payment within a two consecutive month period-otherwise, a $5 monthly fee applies.

Click here for answers to Online Banking FAQs or try our Personal Online Banking demo today!

Overdraft Privilege Service

Our Overdraft Privilege Service can help you in those situations when you inadvertently overdraw your checking account and help you avoid the embarrassment and additional fees of having a check returned to a merchant.

Click here  for further details.

You can request our Overdraft Privilege Service for an eligible Putnam Bank checking account by visiting www.putnambank.com, calling 1-800-377-4424 or visiting your local branch to complete the form.

*New accounts will be considered 60 days from the opening date.

Personal Credit Protection

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

Putnam Bank Consumer Credit Card 

Whether you’re looking for a card with rewards options or no annual fee, we have the right card for you.

Three Credit Cards to Choose From

We make it easy to choose the credit card that is right for you:

• Visa® Classic
• Visa® Platinum
• Gold MasterCard®

All three cards are available in two options: Low Rate Card or Preferred Points Card. These cards are accepted worldwide at businesses, financial institutions, and ATMs.

To Apply, click here, fill out the form, print it (or print it and fill it out by hand) and fax to the number on the form or stop by a branch and we'll fax it for you.

Form more information contact your local Putnam Bank branch.

Safe Deposit Boxes

Protect your birth certificates, deeds, stocks, bonds, wills and passports from theft or fire by renting a Safe Deposit Box. You will have peace of mind knowing your valuables are safe. Boxes are available at each Putnam Bank branch for your convenience. Rates for Safe Deposit Boxes range from $25 to $125 per year depending on size.

Vantis Life Insurance Company

Through Vantis Life, Putnam Bank offers a broad range of SBLI insurance products for you to consider. For complete information about the wide range of SBLI insurance products available, stop by one of our branches today to speak with one of our licensed representatives.  Click here  to learn more.

Savings Bonds

U.S. Savings Bonds can be used as a gift for any occasion - birthdays, weddings, graduations, births, or special holidays. The list of things to celebrate with bonds is endless. Bonds come in several denominations, so you'll always find the gift that fits your needs!

Please keep in mind, bonds can no longer be purchased at our branch locations, and should be ordered online.

Visit www.treasurydirect.gov to learn more.

Telephone Banking Service

Staying in touch with your money is just a touchtone phone call away.  Call our Telephone Banking Service anytime, day or night, from the convenience of your home or office 24 hours a day, 7 days a week.

• Obtain Current Account Information
• Transfer Funds* Between your PB Accounts
• Make Loan Payments* and much more

* To transfer funds between deposit accounts or to make a loan payment, you must visit one of our branches and sign up for this feature at the Bank.

Wire Transfer Services

Transfer money from your Putnam Bank account to locations throughout the world. We can handle both domestic and international. You can also have money transferred to your account when it is necessary. This service can be very important when you need money in a hurry.