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Premium Checking

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Premium Checking

Premium Checking offers our highest levels of checking benefits. In addition to the banking tools you receive with all of our checking accounts, Premium Checking customers receive amazing money-savings rewards, premium banking benefits, and pays you a great interest rate on your account. 

Maintain a $2,500 average daily balance and we'll waive the $10 monthly fee!

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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


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Shop Local, Save Local

Shopping Savings Icon

Local discounts and national retailer deals to save you money on shopping, dining, travel & more.1

Health Savings Card

Health Savings Icon

Save money on prescriptions, eye exams, frames, lenses and hearing services.

Cell Phone Protection

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Pay your cell phone bill with your Old Point Premium Checking account, and you’re covered. Receive up to $800 per claim (maximum of $1,600 per year) if your cell phone is broken or stolen.2,3

Roadside Assistance

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Available 24/7 and free to use, covers up to $80 in covered service charges up to four services per twelve-month period.

BaZing Fuel

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Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.5

Buyer’s Protection and Extended Warranty

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Your newly purchased items can be reimbursed or replaced if an accident or theft occurs within 90 days of purchase, when purchased using your Old Point Premium Checking account.1,2


BillShark Icon

Let Billshark's team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.4

Great Interest on Your Checking Balance

Interest Icon

Pays you a great interest rate on your account

ID Theft Aid

ID THEFT Protection

Personal Identity Theft Benefit: Receive up to $2,500 reimbursement
for covered expenses you incur to restore your identity.
Identity Restoration and Payment Card Resolution: Identity restoration
specialist works on your behalf to restore your identity, and cancel
payment cards.
Credit Monitoring and Credit Report: Monitor changes and new activity
on your credit report and review your credit report quarterly.
Credit Score and Score Tracker: View your credit score online and track
trends on your dashboard.
Score Simulator: Estimate how much impact one particular action could
have on your credit health.
Identity Monitoring: Monitors the dark web to identify activity associated
with your identity, including public records, change of address, social
security, and non-credit loans.2,3,4

Premium Banking Benefits

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  • 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 review3 
  • Free paper statements.

*ATM owner may charge a fee

Anywhere Banking Tools

In addition to the premium benefits, Old Point provides all of our checking customers with these great banking tools:

Online & Mobile Banking

Online Banking Icon

Access your accounts anytime, from any computer or mobile device. Deposit checks, transfer funds, pay bills and more!

Learn More

Mobile Payments

Mobile Banking Icon

Pay with your debit card in stores, in apps, or online from your phone or supported device.

Learn More

Bill Pay

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Never miss another due date! Pay and schedule bills at the click of a button.

Learn More

Debit Card

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Use your debit card to make everyday purchases, pay bills, and get cash - all with purchase protection.

Learn More 


Zelle Icon
Zelle® is a fast, safe and easy way to send money to friends and family.

Learn More

Allpoint ATMs

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Surcharge-FREE access to 55,000 ATMs worldwide via the Allpoint Network.

Learn More


EStatements Icon
Receive your statements faster and more securely with eStatements.

Compare Our Checking Accounts to Find What's Best for You.

Additional Details

Minimum opening deposit for all personal checking accounts is $25.

A monthly fee of $10.00 will be charged if the account does not maintain a minimum average monthly balance of $2,500.

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.

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