Wright-Patt offers SBA Standard 7(a) and SBA Express, Patriot Express, and SBA 504 Loans.
Yes, in order to obtain a business loan from Wright-Patt, your business must be a credit union member.
To apply for a business loan, contact our Business Services team:
Donna Hale at (937) 912-7605 or Sandy Pennington at (937) 912-7542.
Wright-Patt’s check conversion services are provided by ProfitStars, a leader in the financial industry serving more than 7,000 clients.
Payments are processed through the Federal Reserve’s ACH network, the same network commonly used for direct deposit of payroll funds. Combined with Wright-Patt’s strength and security, you can rest assured your payments will be processed quickly and securely.
Yes, in order to use Wright-Patt’s check conversion services, your business must be a credit union member.
You may arrange to have funds sent from another financial institution to your personal account at Wright-Patt, or we can send funds to your account at another financial institution. Business accounts are not eligible for this type of transaction.
To set up a transfer, the following is required:
Transfers normally take 2 business days.
NOTE: If you are unable to visit a Member Center, please call our Member Help Center at (800) 762-0047 or (937) 912-7000. If your request cannot be processed by phone, we will mail the paperwork to you.
Federal Regulation "D" for depository institutions limits the number of certain withdrawals and transfers made from specific types of deposit accounts. As a result, certain transfers from TrueSaver, Secondary Share, and Personal Capital Money Market Accounts will be limited to 6 transactions per month, effective February 1, 2000.
If you exceed the federally-mandated limits, some transactions you expect to occur will not be processed, and some payments from your account may not be made. This includes any home banking transfers, or overdraft advantage.
The following transactions or combination of transactions are limited to 6 or fewer each month:
You are allowed an unlimited number of the following types of transactions from a Secondary Share, TrueSaver, or Personal Capital Money Market Accounts under Regulation D:
Absolutely! It is always a good idea to review your retirement benefits plan from time to time. Even if your retirement plan is not through us, you can sit down with a Financial Advisor, available through our broker/dealer, CUSO Financial Services, to review your company’s investment options, costs and plan performance. We may be able to develop a plan that better fits the needs of you and your employees with low cost options for plan administration, multiple investment options, personalized employee communications, and a Financial Advisor serving as your relationship manager.
*Investment products and services offered through CUSO Financial Services, L.P. (CFS) are not NCUA/NCUSIF insured, not obligations of the credit union, not credit union guaranteed and may lose value. Advisors are employed by Wright-Patt Credit Union (WPCU) and registered through CFS. WPCU is in partnership with CFS. (Member FINRA/SIPC and SEC Registered Investment Advisor)
The following services are available at Wright-Patt Credit Union through CUSO Financial Services, L.P., our broker/dealer:
Wright-Patt Financial Advisors, available through our broker/dealer, CUSO Financial Services, L.P. are available by appointment at any Member Center. Appointments can be made by calling (937) 912-7855 or (800) 762-0047, ext. 7855.
To be eligible to open and contribute to an HSA your employee must:
*Other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or long-term care insurance are permitted.
An HSA provides significant tax benefits:
Consult your tax advisor for details.
In order for HSA assets to retain their tax-free status, they may only be withdrawn and used for certain “qualified medical expenses” permitted under federal tax law. These expenses include:
When your company does business online, there’s no limit to your company’s potential. Wright-Patt can help you set up a website with shopping cart features to allow your customers the ability to shop securely online.
Newtek, our preferred provider of merchant payment acceptance options, can perform a free, no-obligation analysis of your current merchant processing program to see if we can reduce your costs and ensure the most efficient program possible. Click here to request a quote.
Studies have shown an increase in sales when businesses accept payment with gift cards and loyalty programs. Gift cards can also eliminate the need to provide cash back for returned merchandise. Contact Wright-Patt to find out how to start a gift card or loyalty program for your business.
Yes. There are several agencies in the Miami Valley and the State of Ohio that provide services and information for small businesses:
Small Business Development Center, Wright State University — provides counseling services to existing and start-up small business clients through seminars and workshops, information sessions, and one-on-one counseling at Wright State University
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.
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Be sure to use your full 13 digit account number when filing for a direct deposit of your tax return.
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