At Wright-Patt Credit Union ® (WPCU ® ), our business is your business. We proudly offer our members several different credit union business checking account options to support businesses of all sizes. Check out our options below, or reach out to a Member Business Services team member to discuss your business account options and figure out which is best for you and your team.
Your SimpleChoice Checking account also comes with 24/7 mobile and online banking, easy bill pay, and all the exceptional service that comes with being a Wright-Patt Credit Union member.
With our DividendChoice checking account, you’ll receive dividends paid on your entire account balance each month. You’ll also receive additional business services like a free ATM/debit card, mobile and online business banking, cashier’s checks and money orders, ACH, no monthly wire service fee (a per wire fee still applies) and more.
With Mission-Based checking, nonprofits can enjoy 300 checks deposited for free each month, no monthly service charge, and monthly dividends paid on the entire account balance.
We recommend that you review your account statement carefully each month to detect any suspicious account activity. If you suspect fraudulent ATM/Debit Card activity on your account, call us immediately at (937) 912-7000 or (800) 762-0047.
If your WPCU credit card is lost or stolen, please call (800) 762-0047 immediately.
While you can access your account at any ATM with the STAR SM or Plus® logos, as a member of Wright-Patt Credit Union, you have lower-to-no-fee access to over 40,000 ATMs nationwide, including any Wright-Patt Credit Union, Alliance One, CO-OP ATM, or STAR SM ATM.
Members have the option of reordering checks through WPCU's Online Banking by following these steps:
If you need additional assistance, or to order checks in-person or over the phone, visit any of our Member Centers or call our Member Help Center at (800) 762-0047.
Wright-Patt Credit Union's Routing & Transit Number is 242279408 . This number also appears as the first 9 digits on the bottom left-hand corner of your Wright-Patt Credit Union checks.
This number uniquely identifies Wright-Patt Credit Union and is used for electronic processing, such as direct deposit and wire transfers.
Please use this number, as well as the 13-digit MICR number below, if you are having new checks printed by a check printer other than Deluxe.
MICR number example: 1900001234567 Where, [1] — 1=Share, 2=Loan [90] — Specific Share or Loan ID [0001234567] — WPCU account number (can be found on membership card), with leading zeros – 10 digits total.
When placing your check order, you will need the starting number for your new checks. You can determine this number one of two ways:
Use the starting number printed on your paper reorder form
Add 1 to the number printed on the last check of your most recent order (example: if the last check starting number was 500, the next check starting number would be 501)
If you cannot determine your starting number using either of these methods, stop by any of our Member Centers or call our Member Help Center.
You are not required to maintain a minimum balance in your account; however, you will earn dividends on balances of $1,000 or more. If your balance falls below that, you will still enjoy all the other benefits of Checking with Dividend.
Yes – your deposits at Wright-Patt Credit Union are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Administration (NCUA).
Once your certificate reaches maturity, you can have the funds automatically transferred to another Wright-Patt Credit Union account, roll it into a new certificate with the same terms, or choose a new term. Prior to the maturity date of your share certificate, you will receive a notification from us describing your options.
Your Wright-Patt Credit Union Business Money Market Account gives you withdrawal and check-writing privileges like a regular checking account; however money market accounts are typically used more as a savings account and not a daily transaction-based account.
Yes. There are several agencies in the Miami Valley and the State of Ohio that provide services and information for small businesses:
County Corp — as the private non-profit Development Corporation for Montgomery County, the mission of CountyCorp is to improve the quality of life for residents of Montgomery County and neighboring counties through improved housing and economic opportunities.
State of Ohio Business Services — provides services for small business owners such as access to business forms, information on certificates of good standing, and business filing and name availability searches.
Access your accounts from your computer, mobile phone, or tablet. You can manage your hard-earned money anytime, anywhere with free online banking .
You can order new checks online, check your order status and more by clicking here .
Learn about Business Check Capture and save time by making your company deposits right from your office.
Read how we keep your business protected with state-of-the-art technology that safeguards your company’s financial information and good credit. Learn more .
Opening a business checking account can transform how you work. For new entrepreneurs and experienced business owners alike, business checking provides the professional edge needed to succeed.
A business checking account legitimizes your business and offers professional benefits like ATM/debit cards and checks in your company's name. It allows you to separate personal and business finances, making expense tracking simpler.
Business checking accounts help secure financing as your company grows. When you need facilities, equipment, or other major investments, your account separates your personal credit from your business credit, enabling lenders to offer financing based solely on your business's financial standing.
In today's digital economy, accepting credit card payments is essential, especially for ecommerce. A business checking account facilitates credit card processing, helping you track customer payments, merchant accounts, and third-party services.
If you have partners or employees who need access to business funds, separate business checking allows them to make purchases and deposits, freeing your time to focus on core business activities.
"I absolutely love the personal treatment that I receive every time I stop in and visit my local branch."