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Personal Checking


At Old Point National Bank, we offer an entire line of simple, convenient checking accounts with options to suit your financial needs.

All of our accounts include these great benefits:

    • Unlimited check writing
    • FREE ATM/VISA® Debit Card
    • Surcharge-FREE ATM Access via the Allpoint Network
    • FREE Online Banking
    • FREE Mobile Banking
    • Easy-to-balance monthly statements with check images for easy record keeping

Already have a checking account?


Available Accounts:

Accounts Minimum Opening DepositMinimum BalanceMonthly Service ChargeInterest Earned on AccountStatements

Admirals Club Checking

Premium checking with unrivaled benefits and the option to add FraudScout® protection

 

Find out more about Admiral Club

 $25

 

 $15,000+*  $0**

YES:
Premium Market Rate For balances $2,500+

Current Market Rate For balances $0-$2,499

eStatements or Paper Statements

$0-$14,999*

$20**

Secure Checking

Arm yourself with FraudScout® and Identity Management Services to guard your credit, cash and good name.

Find out more about Secure Checking

$25

$0

$9.99***

YES:
Interest Checking Rate for balances $0+

eStatements****

Interest Checking

Let your direct deposit earn you interest, for free

 $25  $0  $0 YES:
Interest Checking Rate for balances $0+
eStatements****

50+ Free Interest Checking

Specially designed for customers 50 and over

$25

$0

$0

YES:
Interest Checking Rate for balances $0+

eStatements or Paper Statements

Free Checking

Classic choice and free access to great features

$25

$0

$0

NO

eStatements****

*Combined balance of your eligible deposits and loans with Old Point

**Additional fees apply for adding FraudScout®

***Or $14.99/month for 2-4 account signers

****Paper statements available for $3.00/month


Identity Theft Assistance

For Secure Checking or Admirals Club Checking customers that have our Identity Management Services, please call us at 757.728.1290 for inquiries or immediate help with resolving identity theft. We will connect you with an experienced fraud specialist at CyberScout for personal assistance with the resolution process.