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Business Solutions

Corporate Services

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 Corporate Services, you can enhance your ability to manage your money more effectively.
Merchant Card Services
Why wait for payment when it can be almost instantaneous? With Old Point Merchant Card Services, your customers’ credit card payments will be credited to your account within 48 hours from the moment they sign. Whether you accept VISA®, MasterCard®, Discover® or American Express®, we’ll set you up with on-site training, equipment and services so you can:
  • Capitalize on greater cash flow
  • Increase your purchasing power
  • Achieve better tracking of your product or services
Sweep / Repurchase Account
It’s a great feeling to have some extra cash, but do your really have time to sit down and figure out what to do with it? Let Old Point manage it for you.
 
Our Sweep / Repurchase Account is a simple way to automatically invest excess funds overnight or for a longer term, at a market rate of interest.
 
What else is in it for you?
  • Security: Its low risk and interest is earned daily
  • Liquidity: you can access funds at any time with zero penalties for withdrawal
  • Flexibility: Invest for short or long-term periods and increase or decrease your balance at any time
  • Saves time: we do the work for you
How it works
  • Old Point helps you determine and maintain a target balance in your commercial checking account that will cover the cost of bank services
  • Funds over and above the target balance are automatically invested overnight
  • At the end of each month, you’ll receive a statement that reports all sweep activity and interest earned

Don’t lose sleep over lost income opportunities- call us today about Sweep!
ACH Services
Our ACH Services is just smart business. How? If you make or collect regularly recurring deposits or payments (like Direct Deposit) via electronic funds transfer, ACH Services will save you time and money.
 
Here’s how: 
  • Direct Deposit is more efficient and cost-effective
  • No more lost paychecks, stop payment fees and reissuing
  • Reduce trips to the bank, which increases productivity
  • Clients will find that direct payments are convenient, safe, reliable and save time and money on their end
  • Fees may be offset by account balances in a commercial checking account

Turn your business into a smart business- ask about our ACH Services and see how you can save time and money.
Reconciliation Services
Save time and manpower by letting Old Point National Bank help you to reconcile your account.  The fees may be offset by account balances in a commercial checking account.
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Looking to get out from under time-consuming tasks like check processing? Our service, customizable to your processing needs, eliminates the burdensome chore of processing receivables while speeding up check-clearing time.
 
How it works:
Old Point supplies you with a private P.O. box number to which your clients send their checks. All payments to that box are automatically deposited into your business checking account. You will then receive an invoice for each receivable for accurate record keeping.
 
If that isn’t convincing enough, consider this:
  • You or your staff will be free to handle more important tasks
  • Improved cash flow because checks are processed faster and more accurately
  • Less chance of lost checks

Lock in savings with Old Point Image Lockbox.