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Personal Checking Accounts
- Money-saving benefits through Old Point Perks
- Visa® debit card with account
- Apple Pay®, Google Pay™, Samsung Pay®, and FitBit Pay™
- Online & mobile banking
- Surcharge-free access to nearly 40,000 convenient ATMs nationwide
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Personal Savings Solutions
- Online account opening
- Competitive interest rates on your savings
- Low minimum opening deposit options
- Larger investment opportunities through IRAs and CDs
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Personal Loans
- Competitive personal loan interest rates
- Extra discount on payments auto-debited from Old Point accounts
- Purchase and refinance cars, RVs, homes, and more with our flexible lending options
- A local personal loan officer to guide you through the loan process
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Personal Credit Cards
- 0% Intro APR* on purchases & balance transfers for the first 12 months
- Cash & points reward options
- Cell phone protection
- Free FICO® score
- 24/7 U.S.-based customer service
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Personal Online Banking
- View transaction history and account balances in real-time
- Deposit checks and pay bills seamlessly
- Update card information on file for all your subscriptions simultaneously
- Advanced security to protect your personal information
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More Personal Banking Services
- Pay from your phone or device with Apple Pay®, Google Pay™, Samsung Pay®, and FitBit Pay™
- Easily and securely send and receive money with Zelle®
- Switch your automatic payment and direct deposit preferences with ClickSWITCH
- Set controls on your debit card with card controls
Frequently Asked Questions
Resources from Old Point
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Important Tax Numbers for 2025
Each year the Internal Revenue Service (IRS) adjusts dozens of tax provisions to adjust for inflation and prevent what is called “bracket creep.” Bracket creep occurs wh...
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December 2024 Market Commentary
Election uncertainty is behind us, but policy uncertainty lies ahead. History suggests that campaign rhetoric does not always match policy. Nevertheless, we do expect mea...
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Traditional vs. Roth: Which 401(k) is right for me?
Whether you’ve just changed jobs or you’re a soon-to-be grad about to start your first job, one of the most important benefits is saving for retirement with a 401(k). Let...
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Tax Tips Episode 1: Charitable Deductions
Tax Tips, a closer look at some of your most asked tax questions.
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Financial Resolutions for a Prosperous New Year
These financial resolutions are sure to make you more responsible with your money, no matter what your current financial and life circumstances are.