Personal Banking Accounts

At Putnam County Bank, we offer straightforward banking options designed to meet your everyday financial needs — with no hidden fees and a commitment to local service.

Checking Accounts

Regular Checking

Our Regular Checking Account is simple and convenient.

  • Opening Deposit: $100
  • Interest: Not offered
  • Monthly Fees: None
  • Minimum Balance: None
  • Additional Fees: Check ordering, overdrafts

For current interest rates and applicable fees, please see our Rates and Fee Schedule pages.

Savings Accounts

Regular Savings

A smart way to start saving — with a low barrier to entry.

  • Opening Deposit: $10
  • Interest: See current rates
  • Statements:
    • Quarterly for standard activity
    • Monthly for accounts with electronic transactions (e.g., direct deposit, ATM activity)

For current interest rates and applicable fees, please see our Rates and Fee Schedule pages.

NOW Checking

A high-interest checking option ideal for eligible non-profit organizations.

  • Opening Deposit: $2,500
  • Interest: Varies based on balance
  • Monthly Fees: Varies based on balance
  • Minimum Balance: $2,500
  • Check Writing: No limit
  • Statements: Monthly

For current interest rates and applicable fees, please see our Rates and Fee Schedule pages.

Certificates of Deposit (CDs)

Putnam County Bank offers a variety of CD options to help you earn more with your savings.

Terms: 30 days to 48 months
Minimum Deposit: $1,000
Renewal: Automatically renewable
Interest Payment Options:

  • Compounded
  • Paid by check
  • Deposited into a Checking, Super NOW, or Savings account

See our Rates pages for current CD offerings.

Individual Retirement Accounts (IRAs)

We offer a full suite of IRA options to help you plan for the future:

Traditional (Regular) IRA
Roth IRA
SEP (Simplified Employee Pension)
Coverdell Education Savings Account
Minimum Opening Deposit: $100
Account Type: Time deposit

Please consult your tax advisor to determine which IRA best fits your needs.

Important Note:

All accounts are subject to federal and state regulations and Putnam County Bank policies, including those related to Truth-in-Savings, Funds Availability, Privacy, and Joint Ownership.

Open an Account

Card Services

PCB Check Card (Visa® Debit)

Enjoy secure, flexible access to your funds:

  • Use at ATMs or anywhere Visa® is accepted
  • Ideal for online purchases
  • 24/7 account access

Fraud Protection
We recommend registering your card with Verified by Visa® for added protection when shopping online.
Enroll here (Opens in a new window)

To apply, visit any of our branches or call us for an application.

Blue N’ Gold Bundle Banking

Expand Your Financial Future with Exclusive Benefits

Open both a qualifying deposit and loan account with PCB to become a Blue N’ Gold Bundle customer — and receive a $250 bonus!

Banking

  • Free 24/7 online & mobile banking²
  • Same-day debit card issuance or replacement
  • Complimentary check orders
  • No monthly service fees³
  • Free 24-hour debit card fraud monitoring
  • $250 bonus for new accounts with qualifying direct deposit and automatic payment⁴⁶⁷

Lending

  • Reduced mortgage rates with PCB checking and direct deposit
  • No PMI
  • Low closing costs
  • In-house loan servicing
  • Local decision-making⁵

Disclosures

  1. Deposit accounts are subject to approval.
  2. Additional fees/Conditions may apply for data charges.
  3. Future dormant charges may apply.
  4. An electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government.
  5. All loans are subject to credit approval.
  6. Additional Terms and Conditions may apply to the $250 Bonus.
  7. Minimum opening deposit amounts may apply

Ready to Get Started?

Give Us a Call

(304) 562-9931

Open your account today and experience hometown banking with real benefits — no hidden fees, no hassle.

Visit your nearest branch to get started!