Old Point Financial Corporation (OPOF) functions as the holding company for The Old Point National Bank of Phoebus, delivering a comprehensive array of banking services to both individual and business clients across Virginia. Its product offerings encompass a variety of deposit accounts, including interest-bearing checking, money market accounts, savings accounts, certificates of deposit (time deposits), and standard demand deposits. The institution also provides diverse lending solutions, such as financing for real estate construction, commercial ventures, and various mortgage products.