Personal Online Banking Login


Putnam County Bank will be Closed for Independence Day

All offices of Putnam County Bank will be closed on Wednesday, July 4th in observance of Independence Day

Offices will be open for regular business hours on Tuesday, July 3rd and Thursday, July 5th.

If your ATM or check card has been lost or stolen and the Bank is closed, you can still report it to prevent potential unauthorized access.

In this event, please call PUTNAM 24 at 1-877-PUTCOBK (or 1-877-788-2625) and select Option 3 - To Report a Lost or Stolen Card.  You can call this telephone number 24 hours a day.

Our Next Free Shred Day - September 15, 2018

Putnam County Bank's popular Free Shred Day will be held on Saturday, September 15, 2018 from 10:00 am to 2:00 pm at the Interstate Office.

KnightHorst Shredding of Charleston will again provide on-site shredding of sensitive documents. Last September, an estimated 3,500 pounds of paper was shredded during our event.

Putnam County Bank provides this free service to consumers, non-profits and small businesses to help stop identity theft. We reserve the right to limit what we accept. For larger amounts, please contact Knighthorst directly at www.knighthorst.com.

Putnam County Bank's Mobile App Information

Click here for instructions.

Traveling Out of the Area and your VISA Check Card

We all realize the convenience of our VISA Check Card.

Remember when you leave home and travel on vacation or business which may take you out of this area and especially to a large metropolitan city (i.e. New York, Chicago or Los Angeles) or outside the United States, please take time to call our Internet Banking Department and let us know the dates of your travel.

When you do this, we can alert our fraud specialists so you can continue to use your card without delay.

Habitat for Humanity Brochure - Becoming a Homeowner

The Kanawha and Putnam County Habitat for Humanity is actively seeking those who want to realize their dream of becoming a homeowner.

Please click here for an informative brochure that describes their program.

You can also access them on the web by going to www.hfhkp.org.

Putnam County Bank supports the work of the Kanawha Putnam Habitat for Humanity.

Conducting Your Transactions Online

Click here to view our brochure.

Welcome to Putnam County Bank Online

Thank you for accessing Putnam County Bank's Online website.  We intend to make this an informative and interactive tool for our customers and those wishing to learn more about us.  If you have any suggestions, please let us know.

Please contact us at (304) 562-9931 or e-mail at support@putcobk.comPlease do not e-mail any confidential information concerning your accounts such as account numbers and amounts.

Briefly About Putnam County Bank



Notice of Expiration of Temporary Full FDIC Insurance Coverage for Noninterest Bearing Transaction Accounts   FBI Internet Fraud Alert
Before Traveling with Your VISA Check Card, Call Us   Help Us Fight Card Fraud
Sign-up for Online Banking Prevent ID Theft - Sign-up for e-Statements
What to do if your ATM or Check Card is lost or stolen and the Bank is closed Where is my mortgage? 
Briefly About Putnam County Bank 

Putnam County Bank was organized in October 1901 and is a state-chartered bank.  The Bank is regulated by the West Virginia Division of Banking and the Federal Reserve System.  The Bank's deposits are insured by the Federal Deposit Insurance Corporation.

Putnam County Bank is a wholly-owned subsidiary of Putnam Bancshares, Inc.  Putnam Bancshares, Inc. is regulated by the West Virginia Division of Banking and the Federal Reserve System.  Formed in 1985, Putnam Bancshares, Inc. owns 100% of the shares of Putnam County Bank and a controlling interest in a title insurance company, Putnam County Title Insurance Company.  The directors of Putnam Bancshares, Inc. serve as directors in Putnam County Bank.

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Notice of Expiration of Temporary Full FDIC Insurance Coverage for Noninterest-Bearing Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000) for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit


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FBI Internet Fraud Alert

Below are two posters which give advice on how to avoid becoming a vicitim of internet fraud.

Internet Fraud Poster - 1

Internet Fraud Poster - 2

NOTE:  Left-click on the poster to magnify

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Before Traveling with Your VISA Check Card, Call Us

If you plan to leave the United States, or travel across the U. S. (such as California, Texas, Florida or New York) and have a VISA Check Card, please contact Putnam County Bank before you leave.

This will allow us to place additional anti-fraud measures to protect you.  You can contact us by phone or if you are enrolled in Internet Banking, send us a Secure Message.

Once you return, please contact us to let us know.

Another great tool to protect you against fraud is to sign up for Internet Banking.  This gives you the ability to monitor your account activity on a frequent basis, even daily.  This will allow you to quickly contact the Bank in the event fraud is suspected.

Help us in the fight against fraud.

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Help Us Fight Card Fraud

From time-to-time, Putnam County Bank will receive alerts from VISA International concerning compromises in our customers' VISA Check Cards.  These alerts are a result of anti-fraud devices VISA uses to monitor card activity.  A compromise suggests that card numbers and expiration dates "may" have fallen into wrong hands...no other information.  Putnam County Bank utilizes a variety of tools which provide around-the-clock monitoring of these transactions to prevent fraud and unauthorized use.

While we employ state-of-the-art tools, we still need the help of our customers to fight fraud.  Here are some important tips to remember to help us fight fraud:

Protect your Personal Identification Number (PIN):

• Never write down your PIN. Memorize it as soon as you get it.

• Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.

• Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links.  Visa, your bank or any other legitimate online merchant will never ask for your PIN or other personal financial information via email.

• At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.

Spot suspicious activity and protect your account:

1. Review your monthly checking account statements to spot any unauthorized purchases.

You can also monitor your account activity online at any time at www.putcobk.com or via the telephone toll-free by using PUTNAM-24.

2. Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report.

3. If you spot any unauthorized charges, please contact us immediately at (304) 562-9931.

4. You should also contact the three credit reporting agencies listed above to notify them of any suspected fraud or identity theft.










By using some very simple steps, you will help us in the daily fight against fraud and thieves who look for all possible ways to steal.  All our personnel are trained in how to protect our customers and their accounts.  If you have any questions, please call us. 

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Sign-up for Online Banking 

We always want services which help us manage our time effectively and securely.  Putnam County Bank's Online Banking and Bill Pay services provide this kind of timely and effective service.  You can access your account, view your images of checks (front and back) and perform transfers.  In addition, the Bill Pay product provides a fast and efficient way to manage the process of paying bills.  You can even schedule your bills to automatically pay.

To get started, select the tab from the Home Page that says ONLINE BANKING LOGIN and select FIRST TIME USERS CLICK HERE to register.

Business/Organization Accounts:

First Name field = Business Name
Last Name field = Registrants Full Name
Social Security Number field = Tax ID Number

A Security Reminder

Do not reply to any e-mails requesting that you give your password or account number.  Also, do not reply to anyone requesting your password or account information over the phone.  If you receive any such request, call Putnam County Bank at (304) 562-9931.

Make sure to bookmark www.putcobk.com as a Favorite to access online banking.

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Prevent ID Theft - Sign-up for Free e-Statement Service

A September 2008 article in the American Banker ("Going Paperless: A Rare Strategy of Win-Win-Win") cites that the average person could reduce their chances of suffering identity theft fraud by as much as 9% by shutting off paper statements and bills.

The article continues to say that an average household received 26 bills, statement and checks per month in 2006.  In addition to the safety aspect, it also has great ecological value.  Less paper means lower requirements of wood pulp, water and energy as well as less waste to landfills.  Less paper waste means cleaner air from less emission of methane gases in landfills.

There has never been a better time than now to sign-up for 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.

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What to do if your ATM or Check Card is lost or stolen and the Bank is closed.

If your ATM or check card has been lost or stolen and the Bank is closed, you can still report it to prevent potential unauthorized access.

In this event, please call PUTNAM 24 at 1-877-PUTCOBK (or 1-877-788-2625) and select Option 3 - To Report a Lost or Stolen Card.  You can call this telephone number 24 hours a day.

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Where is my mortgage?  
We feel it is important for our customers to know that the mortgage loans which are orginated by Putnam County Bank, stay at Putnam County Bank.  All mortgage loans are serviced by Putnam County Bank.  You don't have to worry about to whom the loan was sold and why you are making payments to an address in California.  Questions about your mortgage and about your payments are answered in Hurricane, West Virginia.

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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.