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?


Available 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

 

Click here for more information

 $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.

Click here for more information

$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