Secure Checking

Identity theft is a fast-growing crime that targeted nearly 13 million Americans this year. Don’t become another victim. 

There’s only one you - let Old Point’s Secure Checking help keep it that way!

For as low as $9.99/month* Secure Checking includes all of these benefits:

  • Triple bureau credit monitoring
  • Annual triple bureau credit reports
  • Annual triple bureau credit scores
  • Identity Management Services - 24/7 personal assistance to help resolve fraud or answer questions about suspicious activity
  • Competitive interest rate
  • No minimum monthly balance requirement
  • eStatements
  • Plus all of the great benefits that come with every Old Point checking account, like online and mobile banking, unlimited check writing, and a Visa® debit card!

Safeguard your financial future with Secure Checking, which includes Identity Management Services and FraudScout® to protect your credit and good name.


Apply Now to Open an Account


Are You At Risk? Try our ID RiskCompass.   

Feeling lost about identity protection? To evaluate your risk, click here

This easy-to-use tool evaluates whether you are effectively protecting your personally identifiable information. Answer a few questions to get your Risk Level, which determines if you are at low, medium or high risk of identity theft. You will have an opportunity to review your answers and print a summary report. The report also will provide helpful tips on how to better safeguard your identity and shield yourself from potential risk.  


Old Point's Knowledge Center 

Prevention is key. Click here to access our free Knowledge Center.

Explore resources from industry expert, CyberScout, to safeguard yourself and your business.  


Already have Secure Checking?

Login to access your identity monitoring resources at


24/7 Fraud Assistance 

Our Secure Checking customers have access to around the clock fraud assistance. If you suspect fraud or simply have a question, just call 1.877.432.7463. 

If you are not yet a Secure Checking customer, call 757.728.1290 or email [email protected].



Additional Disclosures for Secure Checking: 

Limitations: You must deposit $25.00 to open this account.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

*Account Fees: There is no minimum balance requirement.  A monthly fee will be applied to this account.  The monthly fee will be determined by the number of account holders enrolled in Fraud Scout®.  Single Plan (1 enrollment) is $9.99 per month.  Group Plan (consisting of 2-4 enrollments) is $14.99 per month.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield may change. At our discretion, we may change the rate on the account weekly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly.