"You'll work with bankers you know and trust."

Christi Beil, VP
Branch Manager

24-Hour Phone Banking Services

Old Point customers who wish to use our 24-hour telephone banking system to get updated balance information will need to enroll in our Towne24 VRU system. You can follow these steps on or after February 9: 

  1. Call 833-869-6324 (833-TOWNE24)
  2. From the menu options, choose either 'Deposit Account Information' or 'Loan Account Information' and enter the information requested
  3. Press option 2, to set up your VRU access number
  4. Follow the prompts to validate your identity 
  5. Set up your 8-digit VRU Access Number as well as a 4-digit PIN. Please keep in mind, this PIN is for your Towne24 VRU, not your ATM or debit card. 

Our Telephone Banking system allows you to: 

  1. Access your account balance information and transaction history. 
  2. Transfer funds between your TowneBank checking and savings accounts. 
  3. Transfer funds from checking or savings accounts to your line of credit. 
  4. Make various types of loan payments from your TowneBank checking or savings accounts. 

Old Point Location Updates

On February 9, Old Point branches opened under the TowneBank name. In November, we shared there were several Old Point locations in proximity to TowneBank locations. Those locations moved operations to the closest TowneBank office. With 61 total locations, you may handle your TowneBank transactions at any office. For your convenience, our Towne Member Care team is available at 844-638-6714, M-F, 8:30 AM - 6:00 PM. 

You can find a full list of TowneBank offices here. 

Former Old Point LocationTransitioned to the following TowneBank location...
Carrollton - Carrollton
Smithfield
Chesapeake - Eden Way Greenbrier
Hampton - Phoebus
Downtown Hampton
Norfolk - Granby Street
Ghent  
Virginia Beach - Hilltop
First Colonial
Virginia Beach - Independence
Town Center
Williamsburg - New Town
New Town
Windsor - Windsor
Windsor
Yorktown - Kiln Creek
Oyster Point / York
|
  • Please note that MoneyPass® ATM network access ended on Friday, February 6, 2026. However, you now have access to any TowneBank ATM at one of our 61 locations across Virginia and North Carolina. 
  • Your automatic drafts will continue without interruption. In the months following your transition to TowneBank, we do ask that you review your account activity to ensure that all payments occur as anticipated. Here are some important tips: 
    • Provide the TowneBank routing number, 051408949, and any change to your account number, to ensure uninterrupted payment activity. 
    • Please note that on the business day prior to a weekend or holiday, automated drafts post earlier in the day. 
    We have communicated directly with Old Point account holders who had written agreements in place for recurring monthly transfers to an outside organization. Please talk to your banker or contact Towne Member Care at 844-638-6714 to review alternative options. 

  • Please look for your final Old Point checking and/or money market statement in mid-to-late February. Transactions on these statements will include items processed through Sunday, February 8, 2026. 

    Going forward, your new statement will print at approximately the same timeframe as your previous Old Point cycle date. If you would like to adjust your statement date, please contact your banker or Towne Member Care at 844-638-6714. 

    We are pleased to inform you that check images are included in all statements by default, at no charge. Images appear at the back of the statements, three (3) across, seven (7) down on a page.

    If you are accustomed to electronic statements, you will need to re-enroll through online banking after logging in on February 9. Your history of electronic statements will not be immediately available. Upon request, your banker can provide any past statements and check images you need.

  • Deposits made at any office will be credited the same business day if they are received prior to the close of business, Monday through Friday, excluding holidays. Cash deposits are typically updated immediately; check deposits are updated after nightly processing. Both receive same-day credit if made before the close of business at the teller line or in the drive-thru. The first $2,500 of non-TowneBank checks deposited at the ATM or through mobile check deposit will be available for use on the same day as the deposit. The remainder of funds deposited over this amount will be available on the second business day following the date of deposit.  

    TowneBank (and Old Point) checks deposited in all deosit methods will receive same-day availability. 

    Find a full list of our deposit cut off times here. 

  • Your payroll, social security, retirement, and other direct deposits will continue without interruption. In the months following conversion, we do ask that you review your account activity regularly to ensure that all deposits occur as anticipated. 

    We also encourage you to follow up with your deposit provider to supply the TowneBank routing number (051408949) prior to December 31, 2026. Please know your existing direct deposits will continue to be accepted. Some providers, such as the Social Security Administration and other government agencies, may only accept Notice Of Change requests from the account holder. Your banker will be happy to assist in confirming the necessary changes have been made. 

  • Your safe deposit box may have moved to the closest TowneBank location with your necessary size if your former Old Point location closed. For your convenience, TowneBank is waiving the first year's rent for Old Point safe deposit box holders and will provide a 50% discount for the second year. 

    Standard sizes and pricing for annual safe deposit box rentals are as follows: 
    1. 2X5: $55
    2. 3X5: $70
    3. 5X5: $90
    4. 3X10: $110
    5. 5X10: $180
    6. 7X10: $195
    7. 10X10: $210

    Enjoy a 10% discount on regular rental fees with auto debit from a TowneBank account. Ask about account programs that include additional discounts.
     
  • If you received incoming wire transfers, you should have notified your originator of the following information, that went into effect February 9, 2026. (Please note this information applies to wires initiated within the United States. If you receive international wires, please consult your relationship banker for assistance.)

    1. Financial Institution Name: TowneBank 
    2. Routing Number (ABA): 051408949
    3. Your TowneBank Account Number: Most Account Numbers will Stay the Same

    Wire transfer activity appears in online banking. Upon request, TowneBank offers complimentary wire advices to the email address on file as confirmation that a wire has been sent or received. 

Frequently Asked Questions

  • Both Old Point and TowneBank provide you with the assurance of FDIC deposit insurance protection. Beginning September 1, 2025, the FDIC will view us as a single deposit institution. If you have combined deposit accounts at Old Point and TowneBank exceeding the standard insurance amount of $250,000, please talk to your banker for guidance. There is a six-month grace period following mergers where insurance coverage remains separate, and in some cases, accountholders may qualify for FDIC insurance coverage well above $250,000. 
  • Great news! Most personal and business checking, money market, and savings account numbers remained unchanged. Your banker should have contacted you if your account number did change. For your convenience, we will be able to reference your former account number at any time. 
  • Yes. If you have any automatic debits tied to your Old Point Debit Card (such as gym memberships or toll passes), it's essential that you provide your new TowneBank Debit Card number to these specific merchants so that your payments will continue uninterrupted. 
  • At this time, you will continue to bank at Old Point National Bank offices when you need to conduct business in a branch location. TowneBank locations will not yet have access to your Old Point account information. 

    However, as of September 1, 2025, you can use your Old Point debit and ATM cards at any Towne24 ATM surcharge-free. 
  • Personal online banking users at both Old Point and TowneBank will continue to log into separate applications to see account activity since services, such as bill pay, are unique to each system. However, if you'd like to discuss a combined online experience, reach out to Towne Member Care at 844-638-6714, M-F, 8:30 AM to 6:00 PM, or speak with your banker. 
  • Your automatic drafts will continue without interruption. In the months following the conversion, we do ask that you review your account activity regularly to ensure that all payments occur as anticipated. We also encourage you to check with your service provider to ensure that the necessary changes have been made. If you are asked to confirm the TowneBank routing number, it is 051408949.