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Personal Checking Accounts
- Money-saving benefits through Old Point Perks
- Visa® debit card with account
- Apple Pay®, Google Pay™, Samsung Pay®, and FitBit Pay™
- Online & mobile banking
- Surcharge-free access to nearly 40,000 convenient ATMs nationwide
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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* on purchases & balance transfers for the first 12 months
- Cash & points reward options
- Cell phone protection
- Free FICO® score
- 24/7 U.S.-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 card controls
Frequently Asked Questions
Resources from Old Point
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April 2025 Market Commentary
U.S. Equity markets suffered steep declines in March as tariff concerns reignited inflation and recession fears. Trade policy clarity emerged, but announced tariffs were ...
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March 2025 Market Commentary
The Magnificent Seven stocks fell out of favor, weighing heavily on the U.S. major market indices last month. The new White House administration’s tariff policies were re...
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February 2025 Market Commentary
Market breadth improved in January following a tough two-year trend of a limited number of stocks outperforming benchmarks. The AI paradigm was tested by the arrival of a...
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Top 10 Cyber-Security Tips For 2025
As we begin 2025, it’s crucial to stay updated on the latest cyber-security practices to protect ourselves from evolving threats. Here are our top 10 cyber security tips ...
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January 2025 Market Commentary
Despite a soft December, U.S. equity markets posted exceptional results for the second consecutive year. Once again, stock market returns exceeded consensus expectations....