Old Point bank is a cluster ! I have bought and sold several homes over the last 40 years and I have never had so much trouble with a lender. Problems included : Missed rate lock. Was told bank program then switched to open market then back to bank. Paperwork requests extreme and numerous. Loan agent did not return phone calls or emails timely. Loan closing took almost 4 months. Closing paperwork done incorrectly. Did not put house in name of trust. Closing paperwork done incorrectly. Did not properly set up impound account for insurance and taxes. Had to ask for copies of final closing paperwork. Get your home mortgage somewhere else ! read more

Terrible online service. Online payments must be made during regular business hours if not they dont post until the following business day. This is a problem when payment is due on a Sunday, go to make payment on Saturday and it does not post until Monday. Online platform is not intuitive and often find it difficult to make an online payment. Most recent update moved the "make payment" button. Initial payment was a true pain because i wanted to use outside bank account to pay car loan, system and process is not friendly to outside bank use. Lastly my information was compromise in a recent security breach they had. read more

Please think twice before wasting your time with Old Point for any loan services. They falsely advertise a Professional Loan Program on their website. When we connected with the lender, she confirmed that the professional program was valid and gave us a pre-approval letter based on the existence of that program. Note: The pre-approval letter requires that we provide significant financial documentation in advance, so they did their due diligence to confirm our qualifications. The pre-approval was for $1.3M (Yes, you read that right. We were very serious, credit-worthy, multi-millionaire, professional buyers and we were trusting Old Point with the closing of our primary home). The pre-approval letter explicitly referenced the professional program and its terms and conditions. AFTER we had a home under contract, paid for a home inspection, and were ready to finalize the appraisal and closing timelines, Old Point finally informed us that the program was no longer available and they had no intent of honoring the terms under which they had extended the pre-approval. The lender had these files pass by her desk at every step, yet failed to update of this change in the program. We met all conditions under their terms, they just decided to no longer honor their commitment as stated in the pre-approval. Thankfully, we ended up using another (more trustworthy) bank and had a seamless experience thereafter with purchasing our home. Not only did we not use Old Point for that purchase, but we also decided against using them for a commercial loan deal that they had pre-approved us for. We couldn't see ourselves going into a long-term business relationship with a company that so easily dismissed their missteps as acceptable business practice and made no attempt to acknowledge their mistakes. The commercial purchase ended up making the front page of the Daily Press and their handling of our portfolio represented at least a $2.5M (plus interest) loss for them because of inconsistent application of their own policies. It's possible that that amount of money doesn't mean a lot to Old Point, but I think this review will mean something to other professionals who might think twice before trusting and wasting their time on loan approvals with a bank that has questionable lending and advertising practices. read more

Old Point National Bank - Pre-approval terms that Old Point never intended on meeting - Banks & Credit Unions Near Me - Hampton, Virginia

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Terrible online service. Can't even reliably make online payments work on their end. Cannot recommend avoiding strongly enough.

Absolute joke of a company. I'm not even the customer but for five days now my client and I have been trying to pay his vehicle off and they cannot provide a payoff. Bank manager at one of the locations Landon Neielis (or something like that) is completely lost and I have called the Loan Servicing number 14 times in two day and had it answered one time. Completely inefficient and incompetent. read more

I bank at the downtown Norfolk branch. The tellers and managers are very helpful and quick to respond to questions or issues. I haven't had any problem with the online access to my accounts and I am not charged for it. Especially for estate accounts I can strongly recommend this bank. read more

The people are very friendly and provide great customer service. However, they have the worst online banking I have ever experienced. An archaic system that you are charged $5 a month to use. Things such as needing hard copies if memos signed and approved to simply transfer money, and lack of assistance with online accounts on the weekend should you get locked out. If they got a much newer system, I'd give a better review. Langley Federal Credit Union is much easier and better online. read more