Internet Banking Frequently Asked Questions

What is Internet Banking?

Internet Banking is a web-based service that provides you with a safe and convenient way to do your banking. With Internet Banking, you can view your account balances, transfer funds, view cleared checks, send service requests to the bank, and more.


What can I do with Internet Banking?

With Internet Banking you can:

  • Check current balances on personal checking, savings, money market, loan, line of credit, certificates of deposit (CDs), non-brokerage Individual Retirement Accounts (IRAs), and most business checking accounts.
  • Transfer funds between your checking and savings accounts with us, as well as make loan payments.
  • View cleared check images.

Send online secure messages to:

  • Inquire about a specific transaction.
  • Inquire about applying for a new loan.
  • Ask a technical question.
  • Send and receive secure messages or questions from customer service.

How much does Internet Banking Cost?

Internet Banking is free.


What do I need to enroll for Internet Banking?

  • A Bank of Putnam County Checking, Savings, or Money Market account
  • Internet Access
  • An e-mail address
  • A modern web browser. The following are supported:
    • Internet Explorer 6+ (8+ Recommended)
    • Google Chrome
    • Apple Safari
    • Mozilla Firefox
    • Opera

Can I begin using Internet Banking immediately?

Upon completion of the Internet Banking sign-up form, the Bank's customer service department will review your information submitted within one (1) business day. Upon approval, you will receive an email notice from the Bank welcoming you to the Online Banking system.

You may also sign up for Internet Banking at any of our branch locations during normal business hours.


What security measures does Online Banking use?

Internet Banking uses several different methods to protect your information: All information within Internet Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Bank of Putnam County.

At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact Bank of Putnam County's), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.

Secure Socket Layer (SSL) protects data in three key ways:

  • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Bank of Putnam County.
  • Encryption scrambles transferred data.
  • Data integrity verifies that the information sent by you to Bank of Putnam County was not altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

Is Internet Banking secure?

Yes. Bank of Putnam County is committed to making Internet Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Internet Banking also uses 128-bit SSL encryption. To help protect your privacy while you are using the service, we will sign you out of the Internet Banking service after 20 minutes of inactivity.


What does SSL mean?

SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Internet Banking site, you are secure through our use of SSL technology.


What is encryption?

Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to Bank of Putnam County. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and Bank of Putnam County, encryption protects your account information so it can't be intercepted and read by a third party.


What is 128-bit encryption?

There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. Bank of Putnam County uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.