Your Transition to ACH Positive Pay

ACH Positive Pay is a valuable tool used to mitigate fraudulent ACH debits on your business account. It is important that ACH debits be reviewed daily, as NACHA rules only allow for one business day to return a business ACH debit as unauthorized. 

Need Help? Please contact the TowneBank Treasury Member Care Team at 844-638-6724, M-F, 8:30 AM - 6:00 PM. 

old point online login

Accessing ACH Positive Pay

On Monday, February 9, Old Point opened as TowneBank. You can now access Positive Pay through Old Point Online available on TowneBank.com. To log in, select the login button in the top, right-hand corner of the screen and click on the Old Point Online option from the drop-down menu. You can use the username and password you have previously entered to access the system. 

If you have difficulty logging in, please contact our Treasury Member Care team at 844-638-6724, M-F, 8:30 AM-6:00 PM. 

Important Things to Note

authorizations
Authorizations will be based on the ACH Company ID of the debit sender.
non-returned items
ACH transactions returned will be processed as credits to the account, with a description indicating the return and the name of the business that sent the original transaction.
minimize exceptions
To minimize the number of exceptions received, you can add Authorization Rules. If you need assistance, we can help. Please reach out to us. 
posting
ACH transactions will post to the account, and if not on the authorized list, will appear in Positive Pay the following business morning for a pay/return decision.

business meeting at computer

Administrators can opt to assign multiple employees to have pay/return/authorize decision access in the Positive Pay system, with an audit trail of who paid, returned, or added an authorization.

woman at computer

The pay/return decision cutoff time is 1:00 PM Eastern Time, with a default decision to return ACH transactions. A reminder email is automatically sent if decisions have not been made 30 minutes prior to the cutoff time.

Changes to Positive Pay (As of February 9, 2026)

  • Accessing the System

    Log in to Old Point Online using the Login button in the top right-hand corner and select Old Point Online from the drop-down list to access Positive Pay through Online Banking. 

  • Email Notifications

    Email notifications will be received by 9:00 AM. Please contact our Treasury Member Care team for the email address you need to whitelist. 

  • Pay/Return Decisions

    The pay/return decision cutoff time is 2:00 PM Eastern Time, with a default decision to return ACH transactions. A reminder email is usually sent if decisions have not been made 30 minutes prior to the cutoff time. 

Your mobile carrier’s web access and text messaging charges may apply. Availability may be affected by your mobile carrier's coverage area.