P. O. BOX 308 - HURRICANE, WEST VIRGINIA - PHONE: (304) 562-9931
  

 

  
  
Loan Services
  

Putnam County Bank offers a wide array of lending services from small personal loans to multi-million dollar commercial loans.  We believe that our knowledge of lending can provide direction on the various types of products we have to offer and help to select the product that fits your needs.

We take particular pride that we make timely decisions and complete the process as promptly as possible.

Mortgage Loans Consumer Loans Home Equity Loans
     
Business Loans     
     
Mortgage Loans  


Putnam County Bank offers mortgage terms to address any need.  Whether you're seeking a pre-approval on the purchase of a new home, weighing your refinance options, or contemplating the construction of a new home, we have a mortgage product that is right for you.

If you ever have any questions about your mortgage, we are just a local phone call away because we never sell our mortages to another lender.

Return to the top of Loan Services. 

     
Consumer Loans     


Putnam County Bank has a consumer loan for every need whether it is a  new car or that new recreational vehicle.  Buying a new car does not have to be a tough, long, drawn-out process.  Just make your best deal and come to Putnam County Bank.  We will tailor a loan to fit your budget and leave you with enough left to enjoy the ride.

Return to the top of Loan Services.    

     
Home Equity Loans     


Adding a garage, replacing the roof, or simply taking a well-deserved vacation, our Putnam County Bank Equi-line product can help.  Not only a fast and convenient way to borrow, but it may also have a number of tax advantages (please consult your tax advisor).

Return to the top of Loan Services.

     
Business Loans   


Putnam County Bank takes pride in its work in economic development in Putnam and surrounding counties.  Putnam County Bank has been recognized for its leadership role in this area.  We continue to look at ways to further develop our local community.

If you want to start your own business or purchase an existing corporation, we have the expertise to provide you the credit you need to get it done.  We also pride ourselves on quick decisions because they are made locally.  Access to credit and timely responses are important to busy business people.  That's why we do it.

Return to the top of Loan Services.   

 

  
  
Deposit Account Services
  

Regular Checking  Super NOW Checking Money Market Deposit Accounts 
     
Savings Accounts  Certificates of Deposit  Individual Retirement Accounts 
     
     
Regular Checking    

We offer Regular Checking which requires an opening deposit of $100.00.  This account pays no interest, however there is no minimum balance requirements or monthly service charges.  Fees assessed relative to this account would be for the ordering of checks and for any overdrafts (Please see Fee Schedule).

All accounts above are governed by rules set by Putnam County Bank including Truth-In-Savings, Funds Availability, Privacy and Joint Ownership.  All accounts must be opened "in person" at one of our offices and Putnam County Bank reserves the right to refuse opening an account.

Return to the top of Deposit Account Services.

   
Super NOW Checking  


We offer the Super NOW Account which requires an opening deposit of $2,500.00.  Upon opening the account, the balance may drop below $2,500.00 however this would affect the payment of interest and fees charged (Please see Fee Schedule and the Rates section of this website).  There is no limitation on the number of checks which may be written and a monthly statement is sent to the customer.  This account is not available to "for-profit" businesses.

All accounts above are governed by rules set by Putnam County Bank including Truth-In-Savings, Funds Availability, Privacy and Joint Ownership.  All accounts must be opened "in person" at one of our offices and Putnam County Bank reserves the right to refuse opening an account.

Return to the top of Deposit Account Services.

     
Money Market Deposit Accounts


We offer the Money Market Deposit Account (MMDA) which is similar to the Super NOW, except there are limitations to the number of withdrawals which may be performed each month.  This account is designed for "for-profit" businesses.

Please see the Fee Schedule and the Rates section of this website.

All accounts above are governed by rules set by Putnam County Bank including Truth-In-Savings, Funds Availability, Privacy and Joint Ownership.  All accounts must be opened "in person" at one of our offices and Putnam County Bank reserves the right to refuse opening an account.

Return to the top of Deposit Account Services.

   
Savings Accounts    


Putnam County Bank offers two options for Savings.

We offer the Regular Savings account requiring $10.00 as an opening deposit.  Please see the Fee Schedule and the Rates section of this website for fees and rates on these accounts.  A quarterly statement will be sent to the customer, however if the account shows electronic activity (i.e. direct deposit or ATM transactions) a monthly statement will be sent.

We offer Christmas Club savings. 

All accounts above are governed by rules set by Putnam County Bank including Truth-In -Savings, Funds Availability, Privacy and Joint Ownership.  All accounts must be opened "in person" at one of our offices and Putnam County Bank reserves the right to refuse opening an account.

Return to the top of Deposit Account Services..  

     
Certificates of Deposit 


Putnam County Bank offers a wide array of terms and rates ranging from 30 days to 36 months.  A Certificate of Deposit may be opened with a minimum deposit of $1,000.00.  All certificates are automatically renewable and interest may be paid by check, compounded to the certificate or directly deposited into a Checking, Super NOW or Savings Account.

Please see the Rates section of this website for our current rates.

All accounts above are governed by federal and state rules and regulations as well as policies set forth by Putnam County Bank including Truth-In-Savings, Funds Availability, Privacy and Joint Ownership.  All accounts must be opened "in person" at one of our offices and Putnam County Bank reserves the right to refuse opening an account.

Return to the top of Deposit Account Services. .
 

   
Individual Retirement Accounts


Putnam County Bank offers Traditional (Regular), Simplified Employee  Plan (SEP) and ROTH types of retirement accounts.  The Bank also offers the Coverdell Educational Account for those looking for an educational savings investment.  These accounts may be opened with a minimum deposit of $100.00.

All accounts are operated as time-open accounts.

Please consult with a tax professional to determine which account(s) best serves your personal needs.

All accounts above are governed by federal and state rules and regulations as well as policies set forth by Putnam County Bank including Truth-In-Savings, Funds Availability and Privacy.  All accounts must be opened "in person" at one of our offices and Putnam County Bank reserves the right to refuse opening an account.


You may refer to the Rates section of this website for current rates on these accounts.

Return to the top of Deposit Account Services.

  
  
Additional Bank Services
  


Travelers Checks and Gift Cards Cashiers Checks 
     
Notary Services  Medallion Signature Guarantee  e-Statements 
     
ATM Cards Check Cards  PUTNAM 24
   
ACH Services CSIeSafe - Secure e-mail Re-order Checks
     
     
Travelers Checks and Gift Cards  


Putnam County Bank offers American Express Travelers Checks.  These checks are widely accepted and may be easily replaced if lost or stolen.

For more information, please click here.

Putnam County Bank also offers American Express Gift Cards in various denominations.

For more information, please click here.

Both Travelers Checks and Gift Cards are sold to bank customers only "in person" during lobby hours at all offices, except the Loan Office.

Please see the Fee Schedule for fees on Travelers Checks and Gift Cards.



Return to the top of Additional Bank Services

     
Cashiers Checks

Putnam County Bank offers Cashiers Checks as a service to its bank customers only.

Please see the Fee Schedule for fees on Cashiers Checks.

Return to the top of Additional Bank Services 
     
Notary Services   

Putnam County Bank offers notary services at each office.

This service is available to customers only.

Return to the top of Additional Bank Services
     
Medallion Signature Guarantee Program   


Putnam County Bank offers the Medallion Signature Guarantee Program.  Transactions involving securities transfers commonly require the individual to have their signature guaranteed through this program before the transaction may be completed.  The Bank assumes liability for the identity of the individual whose signature is guaranteed.

This service is available to customers only.

Return to the top of Additional Bank Services  

     
Free e-Statement Services   


Putnam County Bank now offers e-Statements for Checking and Savings accounts.  By enrolling in e-Statements, you eliminate the need to pick up statements from your mail as your statements and images are e-mailed to you via a secure website.  Generally, your e-Statement is available the following business day.

E-statements provide you security by removing your account information from your mailbox and providing it soon after your statement date.  Once you access your statement, you may print it or save it on your pc.  The print quality is equal to statements received in the mail.

Please take advantage of e-Statements today.  Visit any of our locations for more information and to sign up.

Return to the top of Additional Bank Services.

     
Automated Teller Machine (ATM) Cards   


Putnam County Bank offers Automated Teller Machine (ATM) cards which may be used at participating ATMs throughout the nation and in foreign countries.  These cards may also be used for purchases where the networks below are listed

The cards are affiliated with the STAR, NYCE, Pulse and CIRRUS networks.

www.nyce.net

www.star.com

www.pulse-eft.com

To apply for an ATM card, please stop by any office or call for an application. 

Return to the top of Additional Bank Services.

     
Check Cards   

Putnam County Bank offers Check Cards which may be used at automated teller machines (ATMs) and also used for purchases wherever the VISA logo is shown.

Check cards provide a great deal of flexibility in accessing your account and to make internet purchases.

We recommend all check card holders immediately register their cards with a program called Verified by Visa.  This program assures your identity to merchants taking your card over the internet and provides an extra layer of protection against fraud and identity theft.

If you haven't already, please enroll by going to: 

https://www.securesuite.net/csi/registration/welcome.jsp?partner=0383

To apply for a check card, please stop by one of our offices or call for an application.

Return to the top of Additional Bank Services.

 
PUTNAM 24 - Telephone Response Service

PUTNAM 24 allows Putnam County Bank customers to inquire on their accounts and perform transfers using their touch-tone telephone 24 hours a day, seven days a week.

Through PUTNAM 24, you can receive the following account information: Checking balance and activity, Savings balance and activity, Certificates of Deposit and Loan information.

PUTNAM 24 also allows transfers between accounts.  If the transfer is completed before 6:00 pm eastern it is posted on the current business day.

You can even order a fax sent to the fax number of your choice with your account activity.  A fee of $1 per page will be assessed and you will be told the total cost and given an opportunity to cancel the transaction if not desired.

We have just added a new service to PUTNAM 24 to allow you to report your ATM or check card if lost or stolen to prevent potential unauthorized access.

PUTNAM 24 is accessible 24 hours a day, 7 days a week from any touch-tone phone in the continental United States.

PUTNAM 24 is accessible through a toll-free telephone number (1-877-PUTCOBK or 1-877-788-2625).

PUTNAM 24 requires a PIN for access and identity verification.

Discover the convenience of PUTNAM 24 today.  Please contact Rhonda Cunningham at (304) 562-9931 to sign-up.

Return to the top of Additonal Bank Services.

 

ACH Services

Tired of writing checks to your employees for payroll weekly or bi-weekly?  Then take advantage of our Automated Clearinghouse (ACH) services.  Small, medium or large businesses can use this service to pay their employees electronically.  If you have ten or more employees and would like further information, please call Rhonda Cunningham at 562-9931.

Return to the top of Additional Bank Services.  

 
CSIeSafe - Secure e-mail services

Computer Services, Inc. offers a product that permits safe and secure e-mail communication.  The product is referred to as CSIeSafe.

If you would like to find more information, including pricing and how the service works, please go to https://www.csiesafe.com

Putnam County Bank and Putnam Bancshares, Inc. does not make or give any warranties or guarantees as to the performance of this product.

Return to the top of Additional Bank Services.

 
 RE-ORDER CHECKS - ONLINE AND TELEPHONE

Deluxe Checks:

https://www.deluxeforms.com/

or call toll-free at 1-800-328-7205
 

Main Street Checks:

https://www.mschecks.com/reorder/msreorder.asp?useheader=yes

or call toll-free at 1-800-482-2468. 

Please remember to have your check re-order form from your latest check supply when you log-on or phone.

Return to the Top of Additional Bank Services. 

  
  
 
NOTICE: The information contained in this website is provided for general guidelines on several subjects of interest for the user. The user should be aware that laws, regulations and standards can vary and the information in this website should not be used as professional advice or services. A qualified professional should be consulted regarding the user's own situation before any decision making. Putnam County Bank, Putnam Bancshares, Inc. or any of its subsidiaries is not responsible for any actions taken by users. Putnam County Bank, Putnam Bancshares, Inc. or any of its subsidiaries does not endorse or guarantee products, information or recommendations provided on sites linked to this website. Putnam County Bank, Putnam Bancshares, Inc. or any of its subsidiaries are not liable for any failure of products or services advertised on sites linked to this website. Each linked website may have a different privacy policy than this website. In addition, linked websites may provide less security than this website. Please refer to that particular website for their privacy policies and security measures. Use of information within this website is at the user's own risk. Each user has a special or unique need or situation that should always be addressed by a professional who understands that need or situation. The information contained in this website is presented "as-is" and Putnam County Bank, Putnam Bancshares, Inc. or any of its subsidiaries does not guarantee that the information contained herein is accurate, complete or timely. Putnam County Bank, Putnam Bancshares, Inc. or any of its subsidiaries will not be liable for any action, risk, loss, damages, whether direct or indirect, from use of the information contained in this website. This website is provided for informational use only. This website contains links and features that are provided to our customers from outside sources. Putnam County Bank, Putnam Bancshares, Inc., or any of its subsidiaries are not responsible for and have no control over the subject matter of these links; however it is our sole intent to provide only good information that our customers find useful. The user must be aware that there is a great amount of information and opinion to be considered by anyone looking after their financial situation. No two situations are alike. The most useful advice is that which is provided for a specific and individual set of circumstances.