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Attention:

Old Point will be closing early at 2:00 PM on December 24th and closed on Wednesday, December 25th. Wishing you and your loved ones peace and joy this holiday season!

Personal Checking Accounts

  • Happy young woman paying bill with a contactless debit card in a restaurant with friends.

Discover the money-saving benefits of our checking accounts.

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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

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Compare Our Checking Accounts

Find the Right Checking Account For You.

Anywhere Banking Tools

Here is what you get with all of our checking accounts:

Online & Mobile Banking

Access your accounts anytime, from your computer or mobile device. Deposit checks, transfer funds, pay bills and more!

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Debit Card

Use your debit card to make everyday purchases, pay bills, and get cash - all with purchase protection.

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Bill Pay

Never miss another due date. Pay and schedule bills at the click of a button.

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Mobile Payments

Pay with your debit card in stores, in apps, or online from your phone or supported device with Apple Pay®, Google Pay™, and Samsung Pay®.

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Zelle®

Zelle® is a fast, safe and easy way to send money to friends and family.

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MoneyPass® ATMs

Surcharge-FREE access to nearly 40,000 convenient ATMs nationwide via the MoneyPass® Network.

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eStatements

Receive your statements faster and more securely with eStatements.

Compare Our Checking Accounts to Find What's Best for You.

Already have an Old Point checking account?

Start Your Journey

 

 

Do you maintain an average balance of $2,500 in your account?

Do you have a cell phone or look for deals when you shop?

Do you want a low cost account with basic benefits?

 

Premium Checking

Rewards Checking

Freedom Checking

Anywhere Banking Tools
Online & mobile banking, debit card, bill pay, Zelle®, mobile payments, and estatements.

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Shop Local, Save Local 1
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

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Health Savings Card

Save money on prescriptions, eye exams, frames, lenses and hearing services.

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Cell Phone Protection 2,3
Receive up to $800 per claim ($1,600 per year) if your cell phone is broken or stolen.

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Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.

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ID Theft Aid 2,3,4
Includes personal identity theft benefit, payment card fraud resolution, identity restoration, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.

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Buyer’s Protection and Extended Warranty 2,3
Items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 90 days of purchase, using your Rewards or Premium checking account.

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Billshark 4
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.

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BaZing Fuel 5
Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.

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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, and free paper statements.
(*ATM owner may charge a fee)

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Great Interest on Your Checking Balance

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Maintain a $2,500 average daily balance, and we waive the $10 monthly fee.

Only $7 per month.

Paper statements are an additional $3 per month.

Maintain a $100 average daily balance, and we waive the $8 monthly fee.

Paper statements are an additional $3 per month.

 Premium Checking - Personal Checking AccountsApply OnlineRewards Checking - Personal Checking AccountsApply OnlineFreedom Checking - Personal Checking AccountsApply Online
 

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Minimum opening deposit for all personal checking accounts is $25.

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.

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