Passbook Savings

Putnam County State Bank offers a savings account with lower balance requirements than our Money Market Account. There is no service charge if you maintain an average collected balance of $100.00 during your statement cycle. A small service charge will be incurred for accounts that fall below that balance. However, there is NO minimum balance requirement if you under 23 years old OR over 55 years old.

Interest will be credited quarterly, and the interest rate is subject to change at any time.


You will receive a quarterly statement unless you have an ACH deposit or an ACH payment during the month.  You will then receive a monthly statement. This can be a traditional statement that will be mailed to you or we now offer E-Statements that can be emailed to you.

There is a limit of 9 withdrawals per quarter, any withdrawal exceeding the limit will be assessed a $1.00 charge.

Online Banking, Mobile Money and Remote Deposit Capture are available for this account. You must be signed up for Online Banking before you are eligible for Mobile Money or Remote Deposit Capture.