At Old Point National Bank, we believe that people should have choices in how they do their banking. That’s why we offer an entire line of simple, convenient checking accounts with all the options customers need to suit their financial needs.
With just $25, you can open a new personal checking account with us, and we will give you a free gift! You can also receive up to ten dollars for your old checks! If you already have an account with us, pass out our Tell-A-Friend coupons to everyone you know! You can receive a free gift for every person that opens a checking account with us!


Old Point’s Totally Free Checking is a classic choice. It provides unlimited check writing, no minimum monthly balance and no monthly fee. It also gives you free access to telephone banking, Visa Check Card and Old Point Online Banking .

No minimum balance No monthly service charge No per check charge Unlimited check writing Easy-to-balance monthly statement Return of check images for easy record keeping FREE ATM/VISA® Check Card FREE Online Banking

Easy Pay Free Interest Checking*

Do you take advantage of the convenience of Direct Deposit by having your paycheck, Social Security check, etc. automatically deposited into your checking account? If so, then our Easy Pay Free Interest Checking is the account for you. Not only are you taking advantage of the ease & security of Direct Deposit, but you will be earning interest as well!! This account earns interest at the Interest Checking Rate on all collected balances. Additional features include unlimited check writing, no minimum monthly balance, no monthly fee, free Old Point Online Banking, telephone banking, and a Visa Check Card.

Competitive interest No minimum balance No monthly service charge No per check charge Unlimited check writing FREE ATM/VISA® Check Card FREE Online Banking

Easy Pay Free Interest Checking Minimum Opening Deposit: $25.00 0.05%Annual Percentage Yield**

50+ Free Interest Checking*

Being 50 years of age or older has its benefits at Old Point, because you are eligible for our 50+ Free Interest Checking! This account features unlimited check writing, no minimum monthly balance and no monthly fee. It also gives you free access to telephone banking, a Visa Check Card and Old Point Online Banking.
And, you get interest too! This account earns interest at the Interest Checking Rate on all collected balances.

Competitive interest No minimum balance No monthly service charge No per check charge Unlimited check writing FREE ATM/VISA® Check Card FREE Online Banking

50+ Free Interest Checking Minimum Opening Deposit: $25.00 0.05%Annual Percentage Yield**

Wall Street Checking*

The account that has it all! By keeping a minimum of $1,000 in your account, you can enjoy all our most popular features along with a higher interest rate than other checking accounts. With this account, you get unlimited check writing, free Old Point Online Bill Pay, Visa Check Card, and telephone banking.
This account earns interest at the Interest Checking Rate on balances up to $2,499 and at the Premium Rate on balances of $2,500 or higher. If your balance falls below $1,000 during the month, you will be charged $10.00 for that month.

Higher interest rates with balances of $2,500 or more Competitive interest if balance falls below $2,500 No per check charge Unlimited check writing FREE ATM/VISA® Check Card FREE Online Banking FREE Online BillPay Only $10 monthly charge if minimum balance falls below $1,000

Wall Street Checking Minimum Opening Deposit: $25.00 Daily Balance Tier Annual Percentage Yield** Up to $2,499.99 0.05%Annual Percentage Yield $2,500.00 and up 0.05%Annual Percentage Yield

Admirals Club

At Old Point, the Admiral takes your security seriously!

There is great value to our Admirals Club checking account. When you keep a minimum of $15,000 in the combined balances of your eligible deposits and loans with Old Point, we will reward you with lots of extras, and an added layer of security with our new credit monitoring feature.  Talk to an Old Point associate today about the future of banking!

Admirals Club Checking Minimum Opening Deposit: $25.00 Daily Balance Tier Annual Percentage Yield** Up to $2,499.99 0.05%Annual Percentage Yield $2,500.00 and up 0.05%Annual Percentage Yield Admirals Club Disclosures