The Old Point National Bank

Managing your cash is one of the most important things you need to do to run a successful business. With Old Point National Bank's variety of Cash Management Services, you can enhance your ability to manage your money more effectively.

Merchant Credit Card Services

Cash flow is always critical. Accept credit cards, and when your customers sign on the dotted line, your account will be credited within 48 hours. Whether you'd like to accept Visa, MasterCard, Discover or American Express, Old Point's experts will set you up with all the on-site service, training and equipment you need. And, if you ever have a problem, wi'll be around to help you solve it.

Sweep/Repurchase Account

A Sweep/Repurchase Account provides you with an account that automatically invests excess funds whether overnight or for a longer period - at a market rate of interest. It also provides you with security, liquidity, flexibility, and time savings. And as always you get Old Point's personal service. The following fees may be offset by account balances in a commercial checking account.

ACH Origination

ACH Origination allows you to make or collect regularly recurring deposits or payments through electronic funds transfer, providing a benefit to your employees and your customers while reducing your administrative expenses and improving your cash flow. The following fees may be offset by account balances in a commercial checking account.

Reconciliation Services

Save time and manpower by letting OPNB help you to reconcile your account. The following fees may be offset by account balances in a commercial checking account.

Lockbox Services

Allow OPNB to help you collect payments from your customers and receive timely credit through a lockbox arrangement.

Gift Cards

Maybe you're a resturant, sporting goods store, salon or spa. Many businesses can benefit from gift cards - they're a great convenience to offer clients while generating immediate income. With gift cards, you don't have to fool with paper certificates or fuss over forgeries. And, your customers can choose to add to the card's value later. For a modest set-up fee, Old Point can even help you create customized graphics for your cards to serve as mini advertisements.