Personal Checking Accounts
Discover the money-saving benefits of our checking accounts.
Save Money and Time, Get Peace of Mind.
• Local Discounts
• Fuel Discounts
• Roadside Assistance
• Cell Phone Protection
• ID Theft Aid
• Health Savings
• Buyer's Protection & Extended Warranty
• Billshark
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®, mobile payments, and estatements
- Shop local, save local with BaZing savings
- Pharmacy, vision & hearing discounts
- Cell Phone Protection
- Roadside Assistance
- BaZing Fuel Discounts
- ID Theft Aid
- Buyer's Protection & Extended Warranty
- Billshark - bill negotiation and subscription canceling service
- Premium Banking Benefits - 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, and free paper statements.
- Earn Interest on your Checking balance
Avoid a $10 monthly fee with a $2,500 average daily balance
Visit a branch to open an account.
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Rewards Checking
- Anywhere Banking Tools - online & mobile banking, bill pay, debit card, Zelle®, mobile payments, and estatements
- Shop local, save local with BaZing savings
- Pharmacy, vision & hearing discounts
- Cell Phone Protection
- Roadside Assistance
- BaZing Fuel Discounts
- ID Theft Aid
- Buyer's Protection & Extended Warranty
- Billshark - bill negotiation and subscription canceling service
Only $7 per month.
Visit a Branch to Open an Account.
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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.
Visit a branch to open an account
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.
Allpoint ATMs
Surcharge-FREE access to 55,000 ATMs worldwide via the Allpoint Network.
eStatements
Receive your statements faster and more securely with eStatements.
Compare Our Checking Accounts to Find What's Best for You.
Already have an Old Point checking account?
- • Login to BaZing to access all your great discounts and benefits (Premium Checking & Rewards Checking customers only).
- • Order checks
- • Overdraft information
- • Upgrade or switch your checking account
Old Point Perks Mobile App
Never miss a deal with the Old Point Perks mobile app!
- • Over 400,000+ dining, shopping, travel, service, and entertainment deals across the country, and more added every day.
- • Shopping discounts that you can redeem right in the app. It's easy! Just present your mobile coupon to the retailer. Use most coupons as many times as you like.
- • Deal notifications when you're near the store. Map feature to view deals and follow directions to the retailer of your choice.
- • Savings Calculator to keep track of how much money you save.
- • Quick access to Roadside Assistance to request assistance.
- • Credit & Identity Monitoring to view your credit report, credit score, and monitoring alerts.
- • Access to BaZing Fuel to redeem your fuel discounts.
Access to Old Point Perks requires membership through Old Point National Bank.
Start Your Journey
Minimum opening deposit for all personal checking accounts is $25.
1 Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2 Subject to the terms and conditions detailed in the Guide to Benefits. 3 Insurance and Investment products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. 4 Billshark, identity monitoring, and credit monitoring each require additional activation to begin. 5 You'll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You'll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.
