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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
Frequently Asked Questions
Resources from Old Point
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October 2024 Market Commentary
The S&P 500 Index was up for the fourth consecutive quarter and the seventh of the past eight. Over the past two years, the index generated a 66% total return, better tha...
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Traditional vs. Roth: Which 401(k) is right for me?
Whether you’ve just changed jobs or you’re a soon-to-be grad about to start your first job, one of the most important benefits is saving for retirement with a 401(k). Let...
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Tax Tips Episode 1: Charitable Deductions
Tax Tips, a closer look at some of your most asked tax questions.
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Financial Resolutions for a Prosperous New Year
These financial resolutions are sure to make you more responsible with your money, no matter what your current financial and life circumstances are.
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Important Tax Numbers for 2024
The IRS released its annual inflation-adjusted tax bracket information for 2024. Below are some highlights for your information and tax planning this year. Please contact...