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
    • 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?

  • Click here to order your checks.
  • Opt-In NOW for Old Point's overdraft protection. 
  • Maximize your convenience, savings and security with Old Point Extras. Ask about these special services when opening your account.

Available Accounts:

 Minimum Opening DepositMinimum BalanceMonthly Service ChargeInterest Earned on AccountStatements
Totally Free Checking

Classic choice and free access to great features

$25

$0

$0

No

 eStatements**

Easy Pay Free Interest Checking

Let 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

Admirals Club Checking

Premium checking with unrivaled benefits and extras

$25

$15,000*+

$0

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

 eStatements or Paper Statements

$25

$0-$14,999*+

$20

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

 eStatements or Paper Statements

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

**Paper statements available for $3.00/month