At Wright-Patt Credit Union ® (WPCU ® ), we make checking easy with our available checking account options. Whether you need a traditional checking account, a spending account with no checks or you carry a larger monthly balance, Wright-Patt Credit Union has a checking account suited for your needs. Learn more about our available checking account options below.
Our Totally Fair Checking® account has no surprises, no hassles and no hidden fees. Say farewell to monthly minimum balance requirements and direct deposits with sneaky service fees.
If you typically keep $1,000 or more in your checking account, let your money work for you with dividends that are credited monthly.
This spending account for your everyday transactions really does make sense. With no paper checks, no bounced checks, a low minimum balance requirement, and no overdraft fees, you’ll have no worries.
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 debit card is lost or stolen, please call (800) 762-0047 immediately.
While you can access your account at any ATM with the STARSM or Plus® logos, you also have expanded access as a Wright-Patt Credit Union member. You have lower-to-no-fee access to over 40,000 ATMs nationwide. This includes any Wright-Patt Credit Union, Alliance One, CO-OP ATM, or STARSM ATM.
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.
If your balance falls below $1,000, you will be subject to a $5 monthly maintenance fee. However, you will continue earning dividends on the balance in your account.
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).
That's what makes a Wright-Patt Totally Fair Checking Account totally fair! There is no minimum opening balance, no monthly service fee, unlimited check-writing with no per-check charges and free debit/ATM card access. If you bounce a check, the fee you'll pay is one of the lowest in town — and there is no additional charge for each day your account balance is negative. With a CentsibleSpend Account, there is no overdraft fee, however, there is a low $4 monthly fee.
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.
Yes. Here are the different ways you can move money to/from other financial institutions:
Log into Online/Mobile Banking
Call our Member Help Center
Visit us at one of our convenient Member Center locations
A no-fee checking account, often called free checking, is a bank account that does not charge a monthly maintenance fee. This allows customers to manage their daily finances without paying recurring account costs.
Many free checking accounts eliminate monthly maintenance fees, but other charges may still apply. These could include overdraft fees, out-of-network ATM fees, or optional services.
The biggest benefit is avoiding monthly maintenance charges. No-fee checking accounts also typically provide access to debit cards, online banking, mobile banking, and direct deposit.
Some financial institutions offer free checking automatically, while others may require simple conditions such as maintaining a minimum balance or setting up direct deposit. Be sure to check out WPCU’s Totally Fair Checking account, which has no monthly maintenance fees, no direct deposit fees, and no minimum balance requirements.
Many credit unions offer checking accounts with fewer fees, like Wright-Patt Credit Union’s Totally Fair Checking Account, because they are member-owned organizations focused on providing value to their members rather than generating profits for shareholders.
At Wright-Patt Credit Union (WPCU), we make choosing checking accounts easy. In addition to our savings accounts that help you earn the some of the highest savings rates, you can enjoy the advantages of checking accounts that suit your lifestyle. Whether you want the assurance of our Totally Fair Checking® or the spending support of CentsibleSpend®, you’ll find the right checking accounts for you at WPCU. You’ll get all the features you’ve come to expect from a checking account, like direct deposit, account alerts, mobile balance inquiry, and other helpful resources, but you’ll also get a low or no minimum balance requirement and personalized attention that comes with a membership account at WPCU.
We also offer our EasySaver® debit card round-up program for consumer debit cards, and business checking accounts for entrepreneurs and business owners.
Access your account anywhere you go with a free contactless debit card available through our credit union.
Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.
View our short, helpful videos that cover a host of Wright-Patt Credit Union's products and services to help you learn more.
Access more than 40,000 lower-to-no fee ATMs across the country. Find an ATM .
"I like their commitment to the Wright State community. I see WPCU sponsoring a lot of events and programs on campus."