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Personal Checking Account
- Online account opening
- Visa® debit card with account
- Apple Pay®, Google Pay™, Samsung Pay®, and FitBit Pay™
- Online & mobile banking
- Surcharge-free access to 55,000 ATMs worldwide
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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 for 12 Months for Purchases & Balance Transfers*
- Cash & Points Reward Options
- $150,000 Travel Accident Insurance coverage
- Get real-time support from our 24/7 US-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 MobiMoney
Frequently Asked Questions
Resources from Old Point
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March 2023 Market Commentary
Uncertainty remains high over the near-term path for interest rates and capital markets. Longer-term, we believe the data dependent Federal Reserve will be successful in ...
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Secure Act 2.0
The SECURE Act 2.0 is finally here! With over 92 different retirement plan provisions, we are providing you with an easy-to-digest overview that focuses on the sections t...
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2022 Safe Harbor Start-up Plan Deadlines
To establish a safe harbor plan and therefore be exempt from non-discrimination testing for 2022, the plan must be effective for 3 months of the plan year. For a calendar...
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Lifetime Income Disclosure
The SECURE Act legislation that was signed into law in 2019 included a requirement that a lifetime income disclosure be provided to defined contribution plan participants...
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How to Find More Money For Retirement
That’s a tough question to answer in the best of times. Add in sky-high inflation, a healthy dose of geopolitical uncertainty and the looming expenses like college, buyin...