Fed up with monthly fees, minimum balance requirements, and charges that seem to appear out of nowhere? At Wright-Patt Credit Union ® (WPCU ® ), we believe checking should be straightforward. Totally Fair Checking ® gives you one of the most flexible personal accounts available, with none of the surprises you'd find at a traditional bank and none of the fine print.
Totally Fair Checking ® is built around one idea: you should keep more of your hard-earned money. Every account comes with:
Whether you're opening your first checking account or switching from a bank that keeps nickel-and-diming you, this account is designed to make everyday banking easier.
Looking to grow your savings at the same time? Open an EasySaver ® account alongside your checking account, and every debit card purchase gets rounded up to the nearest dollar, with the spare change transferred to savings automatically.
Ready to get started? Find a checking account near me at a WPCU Member Center.
Managing your money shouldn't require a trip to a branch. With WPCU digital banking services, you can handle your finances from your phone, tablet, or computer whenever it's convenient for you. Features include:
Log in anytime to review your account details, transaction history, statements, and tax documents.
Bundle your Totally Fair Checking ® account with an EasySaver ® account to help you build savings while you cover your daily transactions. With WPCU's EasySaver® program, every debit card purchase you make gets rounded up to the nearest dollar, and that spare change is automatically transferred to your EasySaver ® savings account. WPCU even matches a portion of your round-up transfers to help your savings grow even more.
You can also earn cashback on everyday purchases through our Purchase Rewards Program. Simply activate offers through Mobile and Online Banking, pay with your WPCU debit card at select retailers, and cash back is credited to your account the following month.
Totally Fair Checking ® comes with the protections you need to bank with confidence. Your personal deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), giving you the same level of government-backed protection you'd find at any bank. Beyond that, WPCU provides tools to help you stay on top of your account and catch any issues quickly:
If you ever spot suspicious activity on your account, our Member Help Center is available to help you resolve it fast.
Getting started with Totally Fair Checking ® takes just a few minutes. Here's how:
Open your Totally Fair Checking ® account today and start keeping more of the money you've earned.
Yes. There is no monthly service fee, no minimum balance requirement, and no per-check charges. You get a free debit card and free Mobile and Online Banking included with your account.
Overdraft protection is available on your Totally Fair Checking ® account. Talk to a Financial Coach when opening your account to set up the option that works best for your situation.
As a WPCU member, you have access to more than 40,000 lower-to-no-fee ATMs nationwide through the Alliance One, CO-OP, and STAR networks. You can locate the nearest ATM using the WPCU mobile app or website.
You can open a checking account entirely online. If you prefer to meet with someone face to face, our Member Centers across Southwest and Central Ohio are always available to help.