Personal Checking
We offer an entire line of convenient checking accounts with options to suit your financial needs.
All of our accounts include these great benefits:
- Unlimited check writing
- Visa® Debit Card
- Surcharge-FREE access to 55,000 ATMs worldwide via the Allpoint Network
- Online Banking
- Mobile App
- Easy-to-balance monthly statements with check images for easy record keeping
Already have a checking account?
- Order checks
- Opt-In for overdraft protection
Don't have an Old Point National Bank Account Yet?
| Accounts | Minimum Opening Deposit | Minimum Balance | Monthly Service Charge | Interest Earned on Account | Statements |
|---|---|---|---|---|---|
Admirals Club CheckingPremium checking with unrivaled benefits and the option to add FraudScout® protection. |
$25
|
$15,000+* | $0** |
YES: Current Market Rate For balances $0-$2,499 |
eStatements or Paper Statements |
|
$0-$14,999* |
$20** |
||||
Secure CheckingArm yourself with FraudScout® and Identity Management Services to guard your credit, cash and good name. |
$25 |
$0 |
$9.99*** |
YES: |
eStatements**** |
Interest CheckingLet your direct deposit earn you interest, for free. |
$25 | $0 | $0 | YES: Interest Checking Rate for balances $0+ |
eStatements**** |
50+ Free Interest CheckingSpecially designed for customers 50 and over. |
$25 |
$0 |
$0 |
YES: |
eStatements or Paper Statements |
Free CheckingClassic 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.