Old Point Financial Corporation, the bank holding company for The Old Point National Bank of Phoebus, has been providing top-tier consumer, mortgage, and business banking services for individual and commercial customers in Virginia for almost a century. Offering a wide range of deposit products, from interest-bearing transaction accounts to time deposits and demand deposits, Old Point Financial also boasts an impressive array of real estate construction, commercial, and mortgage loans, as well as cash management services. In addition to these core services, the company offers retirement planning, estate planning, financial planning, estate and trust administration, retirement plan administration, tax services, investment management, insurance products, and wealth management services. Old Point Financial Corporation makes banking easy with a host of convenient services, including debit cards, online, telephone, and text banking, overdraft protection, bill pay, mobile payment, check ordering, and ATM services. Founded in 1922 and headquartered in Hampton, Virginia, Old Point Financial Corporation is a force to be reckoned with in the finance industry.