OldPoint.com/NewOnlineBanking

OLD POINT’S NEW ONLINE BANKING& MOBILE APPUSERGUIDE

We are excited to announce that our online banking and mobile app are being redesigned with YOU in mind. Get ready for a superior digital banking experience with expanded features and an improved design.

REDESIGNED WITH YOU IN MIND

• It is very important that all of your contact information on file is accurate. You will not be able to login to our new online banking if your phone number(s) and email address are not up-to-date. You can verify and update this information in online banking, by calling us at 757.728.1290, or by visiting any branch.

• For your security, if you are currently using your social security number as your online banking user ID, you need to login to online banking and change this as soon as possible.

IMPORTANT!

WE ARE HERE TO HELP

Call us at 757.728.1290 or 1.800.952.0051Monday – Thursday 9:00AM – 5:30PMFriday 9:00AM – 6:00PM

Extended Phone Service Hours:Tuesday, March 10th – Friday, March 20thMonday – Friday 8:30AM – 6:00PMSaturday, March 14th 9:00AM - 2:00PM

Email us at info@oldpoint.com

Visit your local branch

24/7 automated Telephone Banking services available by calling 757.728.1212

Info & FAQs available at OldPoint.com/NewOnlineBanking

We understand that this is a big change for our customers and that access to your finances is critical to your daily activities. We are committed to making this transition as smooth as possible.

Redesigned with YOU in Mind!

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DATESNOW

MONDAYMARCH 2, 2020

THURSDAYMARCH 5, 2020

MONDAYMARCH 9, 2020

TUESDAYMARCH 10, 2020

• Bill Pay users need to turn off any eBills in online banking after they receive their February merchant statements.

• Last day to add any new bills to Bill Pay before 5:00 PM.

• Our old mobile app and Text Banking will no longer be available starting at 3:00 AM.

• Balance alerts will be unavailable starting at 2:00 AM.

• Our old online banking will switch to view-only mode at 5:30 PM. You can view your balances, transactions, and eStatements, but you will not have access to other online functions, including payments and transfers.Note: Any payments previously scheduled to be paid during this time will still be processed.

• Our old online banking platform will not be available starting at 5:30 PM.

• Download our new mobile app from the app/play store.Note: Be sure to delete our old mobile app.

• Log in to our new online banking starting at 8:00 AM.

• Text Banking will be available starting at 8:00 AM.Note: You will need to re-register for this service.

• Alerts will not go out this day.Note: Most of your alerts will transfer over. We recommend that you login and review your alerts.

• Old Point ATMs will be available as usual for balance inquiries, deposits, and withdrawals.

• Telephone Banking will be available as usual for automated services like balance inquiries, transaction history, transfers, and stop payments.

IMPORTANT

FIRST-TIME LOGINThe first time you login to our new digital banking platform, you are required to go through a multi-factor authentication process, which will require receiving a secure access code. Your first time login can be done through online banking or our mobile app.

HOW TO LOG IN

1. Go to www.oldpoint.com and enter your current username and password in the online banking login box on the left bar.

2. You will then be asked to choose which email or phone number you would like to receive a secure access code sent to via email, call, or text. This code is for security purposes to validate your identity.

Note: This code is valid for a limited time. Do not share this code with anyone. We will never ask for it over the phone or by text.

3. You will then be asked whether or not you would like to register this device.

Note: Click Do Not Register Device if you are using a public computer. Only click Register Device if you are using a trusted, private device.

4. If your password does not meet the new requirements, you will be required to set up a new password.

5. You will then have access to online banking and will see a summary of your accounts on the home screen.

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• All of the merchant information you currently have in Bill Pay, except for categories, will automatically transfer over.

• If you have any eBills set up, you will need to turn them off in online banking as soon as you receive your February statement from the merchant. You will be able to re-establish eBills in the new online banking system.

• The last day to enter new bills in Bill Pay is Monday, March 2nd at 5:00 PM.

BILL PAY

Computer requirements:

• Microsoft Windows 10 or Mac OS X 10.10• An internet connection with a minimum of 1 Mbps download

speed• The most recent version of Adobe Reader is recommended.

Supported Browsers:

• Google Chrome (current and previous 2 versions)• Mozilla Firefox (current and previous 2 versions)• Microsoft Edge (current and previous 2 versions)• Safari (current and previous 2 versions)• IMPORTANT: Microsoft Internet Explorer 11 is only supported

limitedly and will not be supported at all after April 7, 2020.

Phone Requirements for Mobile App:

• Android 5.x and later• Apple iOS 11, iOS 12, iOS 13• Supported Connectivity: 5G, 4G LTE, and Wi-Fi• Camera resolution of at least 5 megapixels• Mobile app functions best when GPS or Location Services are

enabled.

SYSTEM REQUIREMENTS

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TEXT BANKING• Text Banking will be unavailable starting at 3:00 AM on

Thursday, March 5th.• Our Text Banking short code will change and you will need to

re-enroll within the new online banking system.

• Our old mobile app will be unavailable starting at 3:00 AM on Thursday, March 5th.

• You will need to delete the old version of our mobile app and download the new version onto your mobile device.

• Our new mobile app will be available on the Apple App Store and Google Play Store on Tuesday, March 10th.

MOBILE APP

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Improved Responsive Design

Enjoy a consistent look and feel across all your devices.

Expanded Transaction History

View and search 2 years of your transaction history.

Direct Pay

Receive electronic versions of your bills/statements and

manage payments.

Simplified Layout & Navigation

Easily find your most commonly used transactions, all on your

new home page.

Financial Management Tools

Tools designed to help you manage your spending and

budget.

Card Swap A single spot to update your card on file wherever you pay

subscriptions, eCommerce merchants, and more.

FEATURES & FUNCTIONALITIESWe made upgrades to enhance your online experience with a new look and feel, streamlined workflows, and added functionality.

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Quick Access to Other Services

Quick links for finding an ATM, managing your Old Point

credit card, etc.

Customize Your Experience

Organize accounts and features to best suit your lifestyle.

Improved Search Functionality

Find what you are looking for with new and improved search

capabilities.

Improved Security

Safer than ever with enhanced encryption and multi-factor

authentication.

Custom Alerts

Set alerts for reminders, banking activity and more.

New Mobile App

Mobile app features mirror what you can do in online

banking.

Improved Tracking & Analytics

Gain a greater understanding of your spending habits through data.

Biometric Login

Sign-in quickly and securely using your face or fingerprint.

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NEW - FINANCIAL TOOLS

Spending

Enables you to see a visual representation of how you are

spending your money.

Trends

Builds even further on your budgeting categories to help track spending over time as

compared to income.

Budget

Helps you set budgets for each spending category and track progress towards those

categories each month.

Take control of your finances the easy way.

Our new financial tools can show you the big picture of your finances - including your accounts outside of Old Point. Manage your spending, budget, debts, calculate your net worth, and identify trends.

Debts

See all of your debt accounts in one place and to calculate how making additional payments, or paying off your debt completely, can impact your debt over time.

This one-stop personal dashboard will take the work out of staying on top of your finances, so that you can better navigate your needs and goals.

NEW - DIRECT PAY

NEW - CARD SWAP

Our new online and mobile banking will offer two convenient bill pay services - traditional Bill Pay and new Direct Pay.

Introducing a better way to pay bills.

Direct Pay offers an easier and more intuitive interface that presents real-time payments and balances, making it easier to track paid bills and upcoming due dates. Equipped with all of the modern features, it offers push notifications, insights on spending, real-time payments, and the ability to make payments using your Old Point debit card.

An easy way to take control of your recurring online payments.

With Card Swap, you can easily and securely link your Old Point debit card to all of the online merchants you shop, subscribe, and stream - like Netflix, Hulu, Amazon, and more. If you have already connected your card to an online merchant, you can also quickly swap it out with a new, existing, or reissued card.

• Manage your card info in one place

• Connect your card with popular online merchants

• Switch the card you have on file to a new or existing card

• Update your payment info when your card is reissued

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Q: WHY IS OLD POINT CHANGING MY ONLINE BANKING?

A: We are upgrading our online banking system as part of our ongoing effort to provide our customers with state-of-the-art banking functionality, convenience, and security. Our new online banking system offers robust functionality across all of your devices, and will enable you to bank anytime, anywhere like never before, making navigation simple and familiar.

Q: WHEN WILL THE UPGRADE TAKE EFFECT?

A: The online banking upgrade is scheduled for March 10, 2020. Please note that Bill Pay will be unavailable in the days immediately preceding the upgrade, during which time your scheduled payments will still be processed, but new payments cannot be scheduled.

Q: IS THERE ANY ACTION REQUIRED FROM ME BEFORE THE TRANSITION?

A: Yes, it is important that you validate and update your contact information before March 3rd in order to be able to login to the new system. You can update your contact information in online banking, by phone, or in-branch.

If you are currently using your social security number as your online banking user ID, you must login to online banking and change this as soon as possible.

Q: WILL I HAVE TO RE-ENROLL IN ONLINE BANKING?

A: No, if you are currently enrolled, your access will transfer over.

Q: WILL MY SCHEDULED TRANSFERS CONVERT OVER TO THE NEW SYSTEM?

A: Yes, your scheduled transfers will convert over to the new system.

Q: WILL MY TRANSACTION HISTORY TRANSFER OVER TO THE NEW SYSTEM?

A: Yes, you will have access to 2 years of transaction history.

Q: WILL I HAVE ACCESS TO MY E-STATEMENT HISTORY?

A: Yes, if you are an eStatement subscriber, you will have access to 25 months of eStatements.

Q: WILL I BE ABLE TO USE THIS ON MY PHONE/TABLET?

A: Absolutely. You can download the mobile app on any Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you’re on a platform that isn’t Android or Apple, you can always access online banking via a compatible mobile browser.

FREQUENTLY ASKED QUESTIONS

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Q: WILL I NEED TO DOWNLOAD A NEW MOBILE APP?

A: Yes. You will need to download the new mobile app from the app/play store and delete the old mobile app on your mobile device(s).

Q: WILL MY BILL PAY INFORMATION TRANSFER OVER?

A: If you currently use Old Point’s Bill Pay, your merchant information, except for categories, will transfer over to the new system. If you have any eBills set up, you will need to turn them off in online banking as soon as you receive your February statement from the merchant. You will be able to re-establish eBills in the new online banking system.

Q: WILL MY P2P POPMONEY INFORMATION TRANSFER OVER?

A: No. If you have payees set up for P2P payments using Popmoney in online banking, they will not transfer over to the new system. We recommend that you make a list of your P2P payees, so that you can input them into our new robust P2P solution.

Q: WILL OLD POINT CONTINUE TO AUTOMATICALLY DEDUCT PAYMENTS, BILLS, AND EXTERNAL LOAN PAYMENTS FROM MY ACCOUNT?

A: Yes. Please review your account to confirm that direct deposits and drafts are working as normal. Alert us in the event that you find an inconsistency. You may be asked by the direct deposit or draft originator to provide written confirmation of Old Point’s routing number (051406543).

Q: WHAT BROWSERS WILL THE NEW SYSTEM BE COMPATIBLE WITH?

A: The current and previous 2 versions of the following browsers are supported: Google Chrome, Mozilla Firefox, Microsoft Edge, and Safari.NOTE: Microsoft Internet Explorer 11 is only supported limitedly and will not be supported at all after April 7, 2020.We recommend updating your browser to the latest version available—not just to ensure compatibility with the new online banking experience, but also to ensure that your online banking is as secure as possible. If you try to login with an incompatible browser you will be redirected to a website to download a new version of the browser.

Additional information, guides, and FAQs are available at OldPoint.com/NewOnlineBanking.

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Call us at 757.728.1290 or 1.800.952.0051Monday – Thursday 9:00AM – 5:30PMFriday 9:00AM – 6:00PM

Extended Phone Service Hours:Tuesday, March 10th – Friday, March 20thMonday – Friday 8:30AM – 6:00PMSaturday, March 14th 9:00AM - 2:00PM

Email us at info@oldpoint.com

Visit your local branch

24/7 automated Telephone Banking services available by calling 757.728.1212

WE ARE HERE TO HELP

Additional information, guides, and FAQs are available at OldPoint.com/NewOnlineBanking.

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