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Additional Personal Banking Products & Services from Putnam Bank

For a complete banking experience, Putnam Bank offers a variety of products and services in addition to our accounts. These services provide added value to your relationship with us and help you manage your finances easier. Simply select a product or service to learn more about it.


Advantage Points®

Sign with every purchase you make with your Putnam Bank Debit MasterCard® to earn bonus points. Simply select “credit” when making a purchase and sign your name. For every $3 in purchases, you receive one bonus point that can be used to redeem rewards at www.MyAdvantagePoints.com. Learn more about the Advantage Points® program and read through the Terms and Conditions, then get in touch with Putnam Bank today. Please click here for Advantage Points website. If you’re having trouble signing into the Advantage Points website, please call 888.839.3399. Points subject to expiration.

Putnam Bank Debit MasterCard®

Make all your purchases quickly and securely with a Putnam Bank Debit MasterCard®. Linked to your personal checking account, your Check Card allows you to make purchases in person or online and access ATMs with the MasterCard® logo for withdrawals and transfers.

Whether you’re going away to college, going on vacation, or going south for the winter you’ll enjoy surcharge-free ATM withdrawals at thousands of Sum® and MoneyPass® Network ATMs nationwide.

Find a  Network ATM.                            Find a  Network ATM.

My Mobile Money

Use My Mobile Money Access, a new app offered by Putnam Bank to help you control and monitor debit card usage anywhere, anytime using your mobile device. With My Mobile Money Access you can protect your debit card from fraud by setting alerts and controls to determine how your debit card can be used. And, if you misplace your debit card, you can use the app to turn it off . . . and then turn it back on when you find it! Visit iTunes or Google Play and search for “My Mobile Money Access” to get started.
My Mobile Money Quick Reference GuideMy Mobile Money Informational Video

Direct Deposit

Why wait in line to deposit your payroll, social security or other recurring income when you could have it directly deposited into your checking or statement savings account? With direct deposit from Putnam Bank you don’t have to worry about getting to the bank on payday.

Personal Credit Protection – DBA Accounts Only

By attaching this easy-to-use line of credit to your checking account, you protect your valuable credit in the event of an account overdraft. Not only that, but Personal Credit Protection means no returned checks or denied transactions (subject to approval).

Putnam Bank Consumer Credit Card

Credit cards can be flexible financial tools, especially with the right features. Putnam Bank offers three credit card options for you to choose from:

  • World/Preferred Points
  • Low Rate
  • Gold MasterCard®

Each card is available as a Low Rate Card or Preferred Points card, and are accepted worldwide at businesses, financial institutions and ATMs. VISA Card also available. Simply print and fill out our application form, then bring it to any Putnam Bank office.

Safe Deposit Boxes

Put the security of a safe deposit box at Putnam Bank to work for you. Securely store your birth certificates, passports, deeds, stocks, bonds and other important materials to give yourself peace of mind knowing they are safe. Safe deposit boxes at Putnam Bank range from $30 to $135 per year depending on the size.

MasterCard SecureCode®

Add an extra layer of protection when you shop online with MasterCard SecureCode® to your Putnam Bank Debit MasterCard®. Register your card and set up your account and password. More than one million online merchants in 122 countries support transactions made with SecureCode. Look for the logo when you’re providing your payment information. Click here to learn more!

Telephone Banking

Need to access your Putnam Bank accounts but don’t have an internet connection? Telephone Banking gives you the access you need. Call 1-877-928-6501 any time, day or night, to hear your account balances, transfers funds between your Putnam Bank accounts, make a loan payment and more.

Overdraft Protection (ODP)

Overdraft protection provides automatic transfer of funds from your savings or checking account to a checking account when your balance falls below zero. Fees apply.


eDocuments, or electronic statements, contain the same information included in your paper statement. With eDocuments, you have instant and secure access to both current and archived statement information. Your eDocuments are available going back 7 years. Receiving your statements electronically offers a higher degree of financial security. Check out Putnam Banks Online Banking FAQs  to find out how to sign up for eDocuments today.

Person to Person Transfers

Our Person to Person Account Transfer Service enables you to transfer funds to other customers with deposit accounts at Putnam Bank. This feature only allows you to deposit funds to an account.

Bank to Bank Transfers (External)

With Bank to Bank Transfers, you can easily move money between your Putnam Bank deposit accounts and your accounts at other U.S. financial institutions. To get started, you must submit an application within your online banking profile. Please go to the Service Center tab and then click on the “External Funds Transfers Request” and submit the application. Putnam Bank will review your request and you will receive a notification within your Message Center whether or not your request was approved or decline. If approved, we will inform you of your funds transfer limit. Use the “Make a Transfer” screen under the main menu selection, to send funds to your account or pull funds from your account at your other financial institution.

Our Switch Kit Makes Changing to Putnam Bank Quick and Convenient

Are you dissatisfied with your bank and looking to make a change? The Putnam Bank Switch Kit brings ease and simplicity to switching banks. Simply download, print and fill out the Putnam Bank Switch Kit worksheets found here, and you’re on your way.

If you have any questions regarding the information being requested in the Switch Kit, please feel free to contact your nearest Putnam Bank office. Our staff is glad to help answer your questions!

Begin your switch to Putnam Bank today!

If you have any questions about the services mentioned here, please contact Putnam Bank today!