Personal Checking Accounts
Compare Our Checking Accounts
Find the Right Checking Account For You.
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Premium Checking
- Anywhere Banking Tools - online & mobile banking, bill pay, debit card, Zelle®, and mobile payments
- No Old Point fees for non-Old Point ATM usage
- One free stop payment per statement cycle
- Free 3x5 safe deposit box rental
- Free cashier's checks
- One free box of checks per year
- Free will and investment portfolio review
- Free paper statements.
- Earn Interest on your Checking balance
Avoid a $10 monthly fee with a $2,500 average daily balance
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Freedom Checking
- Anywhere Banking Tools - online & mobile banking, bill pay, debit card, Zelle®, mobile payments, and estatements
Maintain a $100 average daily balance, and we'll waive the $8 monthly fee.
Anywhere Banking Tools
Here is what you get with all of our checking accounts:
Online & Mobile Banking
Access your accounts anytime, from your computer or mobile device. Deposit checks, transfer funds, pay bills and more!
Debit Card
Use your debit card to make everyday purchases, pay bills, and get cash - all with purchase protection.
Bill Pay
Never miss another due date. Pay and schedule bills at the click of a button.
Mobile Payments
Pay with your debit card in stores, in apps, or online from your phone or supported device with Apple Pay®, Google Pay™, and Samsung Pay®.
Zelle®
Zelle® is a fast, safe and easy way to send money to friends and family.
MoneyPass® ATMs
Surcharge-FREE access to nearly 40,000 convenient ATMs nationwide via the MoneyPass® Network.
eStatements
Receive your statements faster and more securely with eStatements.
Compare Our Checking Accounts to Find What's Best for You.
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Do you maintain an average balance of $2,500 in your account? | Do you want a low cost account with basic benefits? | |
Premium Checking
| Freedom Checking
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| Anywhere Banking Tools Online & mobile banking, debit card, bill pay, Zelle®, mobile payments, and estatements. | ✓ | ✓ |
| Premium Banking Benefits No OPNB fees for non-Old Point ATM usage*, one free stop payment per statement cycle, free 3x5 safe deposit box rental, free cashier’s checks, one free box of checks per year, free will and investment portfolio review, and free paper statements. (*ATM owner may charge a fee) | ✓ | |
| Great Interest on Your Checking Balance | ✓ | |
Maintain a $2,500 average daily balance, and we waive the $10 monthly fee. | Maintain a $100 average daily balance, and we waive the $8 monthly fee. Paper statements are an additional $3 per month. | |
Minimum opening deposit for all personal checking accounts is $25.
Your mobile carrier's web access and text messaging charges may apply. Availability may be affected by your mobile carrier's coverage area.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Google Play and Google Logo are trademarks of Google Inc.
App Store is a service mark of Apple Inc.
Free safe deposit box is subject to availability.
Insurance and Investment products offered are Not bank deposits or obligations, NOT FDIC-insured, Not insured by any government agency, Not guaranteed by Old Point National Bank, a Division of TowneBank, and may go down in value.