Premium Checking
Premium Checking
Premium Checking offers our highest levels of checking benefits. In addition to the banking tools you receive with all of our checking accounts, Premium Checking customers receive amazing money-savings rewards, premium banking benefits, and earn interest on their account.
Maintain a $2,500 average daily balance and we'll waive the $10 monthly fee!
Save Money and Time, Get Peace of Mind
• Local Discounts
• Fuel Discounts
• Roadside Assistance
• Cell Phone Protection
• ID Theft Aid
• Health Savings
• Buyer's Protection & Extended Warranty
• Billshark
Shop Local, Save Local
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.1
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Cell Phone Protection
Pay your cell phone bill with your Old Point Premium Checking account, and you’re covered. Receive up to $800 per claim (maximum of $1,600 per year) if your cell phone is broken or stolen.2,3
Roadside Assistance
Available 24/7 and free to use, covers up to $80 in covered service charges up to four services per twelve-month period.
BaZing Fuel
Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.5
Buyer’s Protection and Extended Warranty
Your newly purchased items can be reimbursed or replaced if an accident or theft occurs within 90 days of purchase, when purchased using your Old Point Premium Checking account.1,2
Billshark
Let Billshark's team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.4
Great Interest on Your Checking Balance
Pays you interest on your account
ID Theft Aid
Personal Identity Theft Benefit: Receive up to $2,500 reimbursement
for covered expenses you incur to restore your identity.
Identity Restoration and Payment Card Resolution: Identity restoration
specialist works on your behalf to restore your identity, and cancel
payment cards.
Credit Monitoring and Credit Report: Monitor changes and new activity
on your credit report and review your credit report quarterly.
Credit Score and Score Tracker: View your credit score online and track
trends on your dashboard.
Score Simulator: Estimate how much impact one particular action could
have on your credit health.
Identity Monitoring: Monitors the dark web to identify activity associated
with your identity, including public records, change of address, social
security, and non-credit loans.2,3,4
Premium Banking Benefits
- No OPNB fees for non-Old Point ATM usage*
- One free stop payment per statement cycle
- Free 3x5 safe deposit box rental
- Free cashier’s checks
- One free box of checks per year
- Free Will and investment portfolio review3
- Free paper statements.
*ATM owner may charge a fee
Learn More About Old Point Perks!
Anywhere Banking Tools
In addition to the premium benefits, Old Point provides all of our checking customers with these great banking tools:
Online & Mobile Banking
Access your accounts anytime, from any computer or mobile device. Deposit checks, transfer funds, pay bills and more!
Mobile Payments
Pay with your debit card in stores, in apps, or online from your phone or supported device.
Bill Pay
Never miss another due date! Pay and schedule bills at the click of a button.
Debit Card
Use your debit card to make everyday purchases, pay bills, and get cash - all with purchase protection.
Zelle®
Zelle® is a fast, safe and easy way to send money to friends and family.
MoneyPass® ATMs
Surcharge-FREE access to nearly 40,000 convenient ATMs nationwide via the MoneyPass® Network.
eStatements
Receive your statements faster and more securely with eStatements.
Old Point Perks Mobile App
Never miss a deal with the Old Point Perks mobile app!
- • Over 400,000+ dining, shopping, travel, service, and entertainment deals across the country, and more added every day.
- • Shopping discounts that you can redeem right in the app. It’s easy! Just present your mobile coupon to the retailer. Use most coupons as many times as you like.
- • Deal notifications when you’re near the store. Map feature to view deals and follow directions to the retailer of your choice.
- • Savings Calculator to keep track of how much money you save.
- • Quick access to Roadside Assistance to request assistance.
- • Credit & Identity Monitoring to view your credit report, credit score, and monitoring alerts.
- • Access BaZing Fuel to redeem your fuel discounts
Access to Old Point Perks requires membership through Old Point National Bank.
Compare Our Checking Accounts to Find What's Best for You.
Additional Details
Minimum opening deposit for all personal checking accounts is $25.
A monthly fee of $10.00 will be charged if the account does not maintain a minimum average monthly balance of $2,500.
1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.
2 Subject to the terms and conditions detailed in the Guide to Benefits.
3 Insurance and Investment products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
4 Billshark, identity monitoring, and credit monitoring each require additional activation to begin.
5 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.