Online Banking

Bank Anywhere, Anytime 

At Putnam County State Bank,  we make managing your finances simple, secure, and convenient — no matter where you are.

With Our Online Banking, You Can:

  • View balances & transactions in real time
  • Transfer funds between accounts
  • Pay bills and vendors easily
  • Access your accounts from any device
  • Enjoy top-tier security and fraud protection
  • And so much more!

Whether you're in the office or on the go, our online banking platform gives you the control and flexibility to keep your finances in check.

Getting Started with Online Banking Bill Pay

Experience the convenience and control of managing your payments online. With Bill Pay , it's easy to stay on top of your finances—anytime, anywhere.

Here’s how to get started:

  1. Log in to your online banking account.
  2. Select the “Pay” widget and review the user agreement.
  3. Click the “+” icon in the top right corner to add a new payee.
  4. Enter the payee details as listed on your bill.
  5. Once added, you can make payments directly from your dashboard.

Bill Pay Features:

  • Set up recurring payments to save time and avoid missed due dates
  • Receive email or text reminders when payments are approaching
  • View upcoming bills and due dates with eBill integration

Start simplifying your business finances today with Online Banking Bill Pay — secure, efficient, and tailored for your needs.


Go Paperless with eStatements

Fast. Secure. Convenient.

Say goodbye to paper clutter and hello to simplicity with eStatements! Access your account statements anytime, anywhere — all from your computer or mobile device.

Why switch to eStatements?

  • Instant access to your statements
  • Enhanced security — no risk of mail theft
  • Eco-friendly — reduce paper waste
  • Easy storage — keep your records organized

How to Enroll in eStatements

To sign up for eStatements, simply follow these steps:

 

 

  1. Log in to our mobile app or Online Banking platform.
  2. Select the “Electronic Statements” widget from the main menu.
  3. Review and accept the User Agreement.
  4. Choose the accounts for which you’d like to receive eStatements.

 

 

Take Control of Your Debit Card 

We believe your debit card should work for you — securely, conveniently, and with full transparency. That’s why we offer MyCardRules, a powerful tool that puts you in charge of how, when, and where your card is used.

Key Features:

  • Real-Time Alerts
    Get notified instantly via text, email, or online banking whenever a transaction is completed or blocked.

  • Custom Controls

    • Block international transactions
    • Restrict specific merchant or transaction types
    • Set personalized spending limits

  • Travel Notices
    Heading out of town? Set up a travel notice to ensure uninterrupted card access while you're away.

  • Card Management Made Easy

    • Temporarily turn your card off if misplaced
    • Report your card lost or stolen with just a few clicks

Getting Started:
Simply scroll to the bottom of your online banking dashboard and select Card Management to activate MyCardRules.

Stay secure. Stay informed. Stay in control — with MyCardRules.


Whether you're managing a business or your personal finances, Putnam County State Bank makes depositing checks easier than ever — right from your smartphone.

With Mobile Deposit Capture, You Can:

Deposit checks anytime, anywhere using our secure mobile app
Save time — skip the trip to the branch
Enjoy encrypted, secure transactions
Track deposits instantly with confirmation
Available for both business and personal accounts

From entrepreneurs on the go to families managing household budgets, our mobile deposit feature gives you the flexibility and convenience you need — backed by the local service you trust.

Transfer Money with Ease at Putnam County State Bank

Internal Transfers
Move funds between your checking, savings (up to 9 transfers per quarter), and loan accounts.
Perfect for managing your finances and staying on top of payments.

External Transfers
Move money in and out — effortlessly.
Whether you're sending or receiving funds to an external bank account, our transfer services make it fast, secure, and hassle-free.

 Benefits of External Bank Transfers:

  • Incoming Transfers
    Receive funds directly into your account — ideal for payroll, reimbursements, or personal transfers.
    Note: All incoming funds are subject to a 5-day hold.

  • Outgoing Transfers
    Send money to your other bank with ease — perfect for bill payments, savings, or helping family.

  • Secure & Reliable
    Your transactions are protected with advanced encryption.

  • Manage Anytime
    Initiate transfers from your online banking or mobile app — anytime, anywhere.

 

Financial Tools

Managing your finances just got easier!
Putnam County State Bank’s Online Banking works with popular financial software to help you stay organized and in control.

Compatible Programs:

  • QuickBooks®
  • Quicken®
  • Microsoft Excel®
  • Other programs that support OFX (Open Financial Exchange) files

How It Works:

  • QuickBooks & Quicken:
    Connect directly to your online banking for automatic transaction downloads and account updates.

  • Excel & Other Tools:
    Export your account data using .csv, .txt or OFX files for easy importing and tracking.

 Benefits:

  • Save time with automatic syncing
  • Simplify budgeting and reporting
  • Keep your records accurate and up to date

 

Stay Informed with Account Alerts

Get real-time updates on your account activity — right from your phone or computer.

How to Set Up Alerts:

  1. Log in to your Online Banking or Mobile App.
  2. Click on the account you want to monitor (Checking, Savings, CD, or Loans).
  3. Select “Alert Preferences.”
  4. Choose the type of alerts you want:
    • Balance Alerts – Know when your balance goes below a set amount.
    • Transaction Alerts – Get notified when a debit occurs over a set dollar amount.

Choose How You’re Notified:

  • Text Message
  • In-App Notification
  • Email

Why Set Up Alerts?

  • Stay on top of your finances
  • Catch suspicious activity early
  • Avoid overdrafts and missed payments

 

Get Paid Faster with Online Payments

Whether you're selling products, offering services, or collecting donations — Putnam County State Bank makes it easy to sell online, send invoices, and accept payments.

How to Get Started:

  1. Log in to Online Banking or our app and scroll to the “Accept Online Payments” section in your dashboard.
  2. Click on Send an Invoice, Accept a Payment, or Sell Online.
  3. Select the account where you want funds deposited.
  4. Click Accept Terms and Continue.
  5. Complete your Business Profile.

Once setup is complete, you're ready to:

  • Send your first invoice
  • Accept your first online payment
  • Sell your first item

Flexible Payment Options

  • Accept credit card and ACH payments
  • Share your unique payment link via email, text, or QR code
  • Customize your link for payments, donations, or contributions

Sell More with Checkout Pages

  • Create personalized Checkout Pages in minutes
  • Sell products, services, events, memberships, and more
  • Set up subscriptions and recurring payments with one click
  • Capture specific customer details with customizable fields
  • Share your pages via text, email, social media, or print materials

Download high-resolution QR codes to include on flyers, mailers, or ads — making it easy for customers to pay instantly.

Get Paid in Full — Every Time

Our price-adjusting fee calculator ensures you receive the full amount, with fees automatically factored in.

Spend Time Growing Your Business — Not Building Websites

No need for third-party integrations. Everything you need is built into your dashboard.

Need Help? We’re Just a Message Away!

Fast, friendly support — right from your banking app.

Got a question or need assistance? Our online support team is here to help — and we’ll get back to you within 2 hours during regular business hours.

Here’s how to reach us:

  1. Open your PCSB One-Touch app
  2. Tap on Support
  3. Select Send Message
  4. Type your question and hit Send

No waiting on hold
Secure and private
Quick response time

We’re committed to making your banking experience smooth and stress-free.

Enhancing Your Online Banking Experience

At Putnam County State Bank, we’re committed to delivering the latest technology to make your online banking experience smooth, secure, and efficient.

Upcoming Enhancements Include:

Rapid Transfers
Enjoy real-time money movement with “Me-to-Me” payments — perfect for consumers who need instant access to funds during emergencies or time-sensitive situations.

Tap2Local for Small Businesses
Empowering small businesses to accept card payments directly from mobile devices — no extra hardware required.

  • Integrated with QuickBooks®, Xero®, and Autobooks® for automated accounting
  • Supports next-day settlement across all major card networks
  • Fast, secure, and easy to use — right from your phone

Why It Matters

These enhancements are designed to help you:

  • Move money instantly when it matters most
  • Simplify payment acceptance for your business
  • Automate your bookkeeping and reduce manual tasks
  • Get paid faster with reliable settlement options

Stay tuned for these exciting updates — and experience the future of banking with Putnam County State Bank.