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Business Profile

Bank

Old Point National Bank
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BBB Accredited BusinessA+Rated by BBB

Reviews

This profile includes reviews for Old Point National Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

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Old Point National Bank has 17 locations, listed below.

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    Customer Review Ratings

    1

    Average of 3 Customer Reviews

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    Review Details

    • Scott J

      Date: 05/28/2025

      Absolutely Archaic and Inflexible – Stay Away from Old Point Bank I only gave one star because I can't give a (-) "Negative" 5 star review
      I've been a customer of Old Point Bank for 3 years, holding a loan on my 2022 Ram 3500. I paid off the loan in full, only to be met with the most outdated and frustrating process I've ever encountered from a financial institution.
      After making my final payment, I called just *three days later* hoping to get my title released so I could sell the vehicle. What I was told was jaw-dropping: **Old Point has a *mandatory* 10 business day holding period** before they even begin the process of releasing your title. This policy is not only archaic, but it’s completely out of line with how every other modern bank operates.
      On the 11th business day, I called again, only to find out that they **mailed** the title release — they did *not* electronically release it to the **** which is standard practice at most banks. This is 2025 — who in the world is still mailing title releases?
      It gets worse. I explained that I had a buyer lined up who was coming from out of town and that this delay would jeopardize the sale. Their response? Zero flexibility. No empathy. Just rigid adherence to a broken process.
      When I pressed further, they had the audacity to suggest I could "recall the check" — a flat-out false statement. You cannot recall a cleared check. Let’s call this what it is: Old Point is simply holding onto your money to collect more interest while offering you no recourse.
      I run multiple businesses and work with many financial institutions — Old Point is, by far, the worst experience I’ve had. Not only will I never use them again, but I’ll be sharing this experience with every professional contact I have.
      If you value your time, money, and sanity — do not do business with Old Point Bank.

    • Marcia A

      Date: 02/07/2024

      I had a car loan through this business, Old Point National Bank. On Aug.4,2023 I paid off my loan. I received my contract paid on 08,23,2023. I purchased a 2017 Nissan Rogue. Payments due 08-05-2017 with 84 months of payments. I received my contract back marked paid. I am trying to figure out why I only received$ **** from early pay-off. I have never had this to happen to me before. I just paid off another loan early and received $***** on a $ ***** loan. That is due to pay-off 2028. Please let me know why this is correct. I have paid of loans early before can't understand this.

    • Brian D

      Date: 01/05/2024

      Online payment system ensures you will pay late fees. There is no way to simply make a payment on a loan. Sometimes it will take it and other times it requires you to find another menu and approve the transaction you already made and received a confirmation for. You only find out when collections calls you for a late payment. This bank is a predator and will.take your money and ruin your credit due to an online system that is designed to make you late.

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