FAQ

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 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.

Yes. The Skip-a-Pay Program allows you to choose the month of your choice to skip one payment per calendar year on qualifying loans, such as a Wright-Patt Credit Union auto loan (business auto loans are not eligible). The request for a payment skip can be made up to 6 months in advance of the monthly payment chosen and the request will automatically be processed on the date requested. There is a small fee of $10.00 per skipped payment that will be collected at the time of the request. Finance charges will continue to accrue on the loan during the month of the skipped payment, but no late fee will be charged. To be eligible, you must have a positive balance, no late payment history on the loan of more than 31 days, have had the loan more than six months, and be current on all your WPCU loans.

When a loan is secured with an Ohio title, it usually takes 3 to 4 weeks to release the lien. Titles are issued electronically in Ohio. If you need a paper title for your records, you can request one at your local title office. You must appear in person and present valid picture ID.

If a loan was secured with a title from another state, the time frame in which you receive Title will vary by state.

If your new or used car is wrecked or stolen, Guaranteed Auto Protection (GAP) pays the difference between your insurance settlement and your loan balance. GAP coverage may even pay up to $1,000 of your insurance deductible as part of the deficiency balance.

Business auto loans are not eligible for GAP insurance.

We’re the smart choice for financing your next car. We offer a variety of loan options, low interest rates and low-to-no fees, and can pre-approve you for a loan.

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:

• Log in to Online Banking
• Under Additional Services, click Check Reorder
• Select the checking account for which you'd like to reorder checks
• You will be taken to the Deluxe website to finish the process of ordering checks

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:

1. Use the starting number printed on your paper reorder form

2. 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 DividendChoice Checking.

All Wright-Patt Credit Union shares (including savings accounts, checking accounts, money market accounts, share certificates, and club accounts) are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Administration (NCUA). The NCUA is an agency of the federal government, similar to the Federal Deposit Insurance Corporation (FDIC). The NCUA insures an additional $250,000 per ownership interest on Individual Retirement Accounts.

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.

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:

• Log in to Online Banking
• Under Additional Services, click Check Reorder
• Select the checking account for which you'd like to reorder checks
• You will be taken to the Deluxe website to finish the process of ordering checks

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:

1. Use the starting number printed on your paper reorder form

2. 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 DividendChoice Checking.

All Wright-Patt Credit Union shares (including savings accounts, checking accounts, money market accounts, share certificates, and club accounts) are federally insured up to a total of $250,000 per ownership interest by the National Credit Union Administration (NCUA). The NCUA is an agency of the federal government, similar to the Federal Deposit Insurance Corporation (FDIC). The NCUA insures an additional $250,000 per ownership interest on Individual Retirement Accounts.

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.

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.

If your WPCU credit card or business credit card is lost or stolen, please call (937) 912-7000 or (800) 762-0047 immediately.

We recommend that you review your account statement carefully each month for any suspicious account activity. If you suspect fraudulent activity on your credit card account, call us immediately at (937) 912-7000 or (800) 762-0047.

No - as a member of Wright-Patt Credit Union, you are covered under Visa's Zero Liability Policy for fraudulent charges on your credit and debit cards. However, to help alleviate or minimize any inconvenience to you, please monitor your checking and credit card accounts closely, and report any suspicious activity to Wright-Patt Credit Union immediately by calling (937) 912-7000 or (800) 762-0047.

If your payment is more than 5 days late, a $20 Late Payment Fee will be assessed.

We will not charge you interest on purchases if you pay the entire balance owed each month within 27 days of the statement closing date. Interest will be charged on cash advances and balance transfers beginning on the transaction date.

Yes, a business is eligible to have WPCU loan or deposit account, as long as they meet the eligibility requirements for membership. We offer accounts to both small businesses and large businesses, with perks like extraordinary and personalized service.

You can use your employer identification number (EIN) to apply for a WPCU business credit card. You will also have to provide your social security number.

A Health Savings Account (HSA) is a savings account you can put money into to pay for qualified medical expenses. While you can use the funds in an HSA at any time for qualified medical expenses, you may only contribute to an HSA if you have an HSA-eligible Health Plan. By selecting Wright-Patt Credit Union® (WPCU®) as your HSA custodian, you’ll gain the benefits of an HSA plus the extraordinary service you deserve.

You may be eligible for an HSA if you meet all of the following requirements:

1. You are covered under an HSA-qualified High Deductible Health Plan (HDHP).
2. You are not covered by any other health plan unless it is also a qualified HDHP.
3. You are not enrolled for benefits under Medicare (generally not yet age 65).
4. You are not eligible to be claimed as a dependent on another person’s tax return.
5. You have not received VA benefits within the past 90 days.
6. You are not covered under TRICARE for retired military personnel.

Your HSA can be used to pay for medical expenses ranging from routine doctor visits to surgical procedures.

In order for HSA assets to retain their tax-free status, they must only be withdrawn and used for qualified medical expenses permitted under federal tax law.

For the IRS’s list of qualified medical expenses, click here or contact your tax advisor for more details.

If you are already a WPCU member and have an HSA-qualified HDHP, simply add an HSA to your current account by:

1. Logging in to Mobile or Online Banking and selecting ‘Add an Account’ under ‘Open Account or Loan’.
2. From there, select HSA and follow the steps to complete the form
3. Your HSA account will appear alongside your other sub accounts. 

If you are not a WPCU member** and have an HSA-qualified HDHP:

1. Visit WPCU.coop/HSA 
2. Select Become a Member 
3. Select Become a New Member 
4. Select Your Eligibility from the list of options 
5. Be Sure to Add a TrueSaver® Savings Account** and Enhanced HSA from the list of product options

If you have additional questions about adding an HSA account, contact our Member Help Center at (800) 762-0047.

If you are already a WPCU member and have an HSA-qualified HDHP, simply add an HSA to your current account by:

1. Logging in to Mobile or Online Banking and selecting ‘Add an Account’ under ‘Open Account or Loan’.
2. From there, select HSA and follow the steps to complete the form
3. Your HSA will appear alongside your other sub accounts. 

If you are not a WPCU member and have an HSA-qualified HDHP:

1. Visit WPCU.coop/HSA 
2. Select Become a Member 
3. Select Become a New Member 
4. Select Your Eligibility from the list of options 
5. Be Sure to Add a TrueSaver® Savings Account and Enhanced HSA from the list of product options

If you have additional questions about adding an HSA, contact our Member Help Center at (800) 762-0047.

An HSA may provide significant tax benefits$$Disclosure:HSAEligible$$:

• HSA contributions — by employer or employee — are tax-free up to the maximum allowable amount. Dividends earned and withdrawals are tax-free if used for qualified medical expenses.
• After age 65, HSA assets may be used to pay for non-qualifying expenses, however the amount withdrawn will be taxable as income. Prior to age 65, HSA assets used for non-qualifying expenses will be subject to ordinary income tax, plus a 10% penalty.
• Funds in your HSA remain in the account from year to year. There are no “use it or lose it” rules for HSAs. You can keep your HSA even if you change jobs, change your medical coverage, become unemployed, move to another state, or change your marital status.

Once you become a WPCU member, securing a mortgage loan is simple. We’ll connect you with a knowledgeable Mortgage Loan Originator and provide resources to help you get where you need to be for higher approval odds. All loan applications are subject to credit review and approval.

Wright-Patt Credit Union offers lower, competitive mortgage rates, lower-to-no fees, and more flexible lending criteria. An appropriate down payment can help make mortgage rates and monthly payments more affordable. All loan applications are subject to credit review and approval.

You can apply for a mortgage loan online at your convenience, or visit your closest Member Center. You can also call (800) 762-0047 ext. 7680 and ask to speak with one of our friendly and helpful Mortgage Loan Originators.

The key to buying the right home for you and your family is knowing how much you can comfortably afford to pay each month. In addition to your monthly mortgage payment, remember to consider property taxes, PMI if required, maintenance and homeowners insurance.

Use these calculators to learn more about how much you can afford to spend on your home.

Just like there is no one-size-fits-all home, there isn't a one-size-fits-all mortgage. There are lots of options that can be tailored to suit your individual situation. At Wright-Patt Credit Union, we are committed to helping you find the right mortgage for you so you can move toward the goal of homeownership with more peace of mind for as long as you own your home.

When you're ready to meet face-to-face with a Mortgage Originator, simply call (937) 912-7000 or (800) 762-0047 and ask to be directed to one of our friendly and knowledgeable Mortgage Originators, or click here.

Please consult with your Mortgage Loan Originator by calling (937) 912-7680.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

Once you have a sales contract in hand, you can lock your interest rate on your Wright-Patt Credit Union Construction Loan. You'll enjoy peace of mind knowing that your rate is protected through the life of the loan—from construction through conversion.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

The timeframe for a foreclosure varies from county to county, but this is an example of what a typical foreclosure timeframe might be:

• First 30 to 90 days - Homeowner does not make monthly mortgage payments.
• After 90 days - Lender can file a mortgage foreclosure lawsuit in court.
• 28 days - You receive notice of a mortgage foreclosure lawsuit. You have 28 days from the date of service to file an answer with the Court.
• After the 28 days - If an answer is not filed within the 28 day deadline, the lender can get a Default Judgment against you and ask the Court for an order to sell your home.
• Next 3 to 6 months - After the Default Judgment, your home is appraised to determine its value at an auction conducted by the County Sheriff's office. The sale date is published in the local newspaper 30 days prior to the sale. Most counties list properties up for auction on their website.
• Day of Sale - Auction takes place and a "winning bid" is accepted. Bidding usually starts at 2/3 of the appraised value.
• Next 2 weeks - Lender asks the Court to "confirm" the Sheriff's sale. The Court will order a Sheriff's Deed to the auction winner. You no longer own the property.
• Next 2 to 4 weeks - The new owner requests the Court to have you removed from the property. The Sheriff will generally give you two weeks to move out of the property.

The entire process can happen as quickly as 6 months, so if you are having problems making your mortgage payment, contact us immediately. The sooner you act, the sooner we can work to help keep you in your home.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

Our goal is to help keep you in your home and there are a number of options we can help you with:

• Refinance: If you have a good payment record and the ability to continue making payments, this may be your best option. Contact Wright-Patt Credit Union's Mortgage Department at (937) 912-7681 or (800) 762-0047 ext. 7680 to talk with a Mortgage Originator about refinancing your existing loan.
• Repayment Plan: In this solution, you make your monthly payment plus a portion of the past due payments until the loan is current.
• Reinstatement: You pay the total amount owed in one lump sum by a specific date.
• Forbearance: Your payments are reduced or suspended for a short period of time, usually three to six months. This option is often combined with a repayment plan or modification that brings the account current at a specific time.
• Loan Modification: Your loan is permanently changed in one of the following ways: adding the past due payments to the existing loan balance, changing the interest rate, including making an adjustable rate into a fixed rate or extending the number of years to pay.
• Claim Advance: If the mortgage has insurance (PMI), you can take an interest-free loan to bring the account current and allow several years for repayment.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

In 2006, the Ohio NeighborWorks organizations created a Home Rescue Fund for low and moderate income households that are in danger of losing their home. This fund can provide funds to assist in a rescue loan for individuals behind on their mortgage and in danger of foreclosure.

• The total assistance available per family is approximately $3,000-$5.000 depending on income level.
• It is intended to help borrowers who have fallen behind for some reason buy are now able to make their monthly payment. They are just having difficulty "catching up" on the amount past due.
• The reason for delinquency must be "cured" – this means that if you fell behind on your mortgage due to layoff – you must be back to work.
• This is a "forgivable mortgage loan" – if you live in the home for a minimum of three years, you are not required to repay the funds. If you leave the home before the end of three years, you will be required to repay the amount.
• Other requirements and guidelines may apply.
• Click here to find out more about the Ohio Home Rescue Fund and list of Ohio NeighborWorks organizations.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

We do have to place some exclusions on the program. These exclusions are related to decisions you may make as the borrower. Here's what they are, and why they are needed.

• Should you choose a third-party lender product such as a government loan (FHA or VA) or a loan through Personal Credit Solutions, the guarantee is not offered since we cannot control their fees. We will work with the lender to ensure that you are provided a fair and accurate Good Faith Estimate.
• Should you choose to increase your loan amount from the original request in excess of $10,000, we will not be able to offer the guarantee. Some closing costs, such as title insurance, are based on the loan amount.
• Should you choose to purchase borrower title insurance, this item will not be covered in the guarantee. All other closing costs will be guaranteed.
• Should you choose to purchase discount point(s) after the initial application, this item will not be covered in the guarantee. All other closing costs will still be guaranteed.
• Should you choose a construction loan, the number of draws will affect the closing costs. Therefore, costs for draws and title updates will not be guaranteed. All other closing costs will be guaranteed.
• Finally, prepaid items - items that are paid in advance - are excluded from the guarantee. They include prepaid interest, prepaid hazard (property) insurance, prepaid property taxes, and other prepaid charges that are not paid to Wright-Patt Credit Union or myCUmortgage. These amounts are dictated by third party providers, such as your insurance company or the County Treasurer. Wright-Patt Credit Union has no control over these items, and therefore cannot guarantee them.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

Yes, we offer a variety of rate lock options. Contact a Mortgage Originator by calling (937) 912-7680 or (800) 762-0047, ext. 7680 for details.

Mortgage loans processed by myCUmortgage, LLC — a wholly-owned subsidiary of Wright-Patt Credit Union, Inc. All loans subject to credit approval and property appraisal.

When you open a checking account with WPCU you have the option to request a debit card. This will allow you to make purchases at local merchants such as grocery stores or gas stations. This same card can be used in the ATM with a 4 digit pin you set.

Other ways include our convenient mobile and online banking options. We offer free Bill Pay and External Transfers.

We also have over 30 member centers for you to choose from and hundreds of Shared Branching locations.

Our general policy is to delay the availability of funds from your check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written or other items. Funds from the following deposits will be available on the day we receive your deposit: Cash Deposits, Electronic Direct Deposits, and Wire Transfers.

To better understand how your deposits work, please view our Funds Availability Policy within this document.

Find information about account fees related to WPCU's Checking Account options in the Truth-in-Savings Disclosure and General Fee Schedule. 

When opening a new account with WPCU, members sign a Master Membership and Account Agreement. The purpose of the agreement is to define ownership of the account and provide convenience to you when making changes to the account. Once a Master Membership and Account Agreement has been signed, all owners of the account can add additional shares without completing additional paperwork.

Here is the important information you should know, by signing the Master Membership and Account Agreement you are agreeing to the following terms:

I hereby authorize Wright-Patt Credit Union, Inc. (the “Credit Union”) to establish this account. All persons signing this Master Membership and Account Agreement (“Master Agreement”) are joint owners of all account proceeds, including all dividends, with right of survivorship. This Master Agreement is a continuing authorization to open any additional share/deposit sub-accounts (excluding Individual Retirement Accounts) on the verbal, electronic, or written, request of any owner. I/we understand and agree that this Master Agreement shall govern all share/deposit sub-accounts subsequently opened. Ownership, including payable of death beneficiaries, on all sub-accounts will be the same as set forth above. If I/we desire to have accounts with different ownership interests, I/we will execute additional Master Agreements. If a checking account is established, the primary share account will be the default overdraft source.

The Credit Union is hereby authorized to recognize the signature(s) subscribed hereto in the payment of funds or the transaction of any business for this account. I agree to allow the Credit Union to obtain periodic credit reports. The right or authority of the Credit Union under this agreement shall not be changed or terminated except by written notice to the Credit Union which shall not affect transactions theretofore made.

I acknowledge receiving a copy of and agree to be bound by the terms and conditions of this Agreement, the applicable Truth-in-Savings Account disclosures, the Membership and Account Agreement, the General Fee Schedule, and the Rate Sheet, which are hereby incorporated and made part of this Agreement. The term “I” refers to each person signing this Agreement.

An overdraft can occur when you do not have enough money in your account to cover a transaction, but we pay it anyway.  At WPCU, our standard overdraft practice is that we do not authorize and pay overdrafts for any transactions when you do not have sufficient funds in your account to cover the transaction, unless you ask us to by selecting one of our overdraft coverage options.  You may add or remove an overdraft coverage option using our Overdraft Coverage form and Overdraft Coverage for Debit/ATM Transactions form.

If you select one of our overdraft coverage options, we pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will be declined and your account assessed a Non-Sufficient Fund (“NSF”) fee as outlined in our General Fee Schedule and Important Account Information.  The only exception is everyday debit card and ATM transactions, for which we do not charge a NSF fee when declined.

Additional information regarding overdraft coverage options, your account balance,  how overdrafts are calculated, and associated fees can be found in our Important Account Information and General Fee schedule. 

We offer several overdraft coverage options to help you protect your account:

• Overdraft Protection: If you do not have enough money in your checking account to cover a transaction, we can transfer funds to cover the insufficient balance from a share account or line of credit you designate. Transfers are completed in increments of $100 or the available balance, whichever is greater, and there are no fees charged for transfers from a savings account or line of credit. However, if you choose a line of credit, interest will accrue starting on the date of the transfer. There is no limit to the number of transfers that can be made, and there is no limit on the total fees we can charge you for overdrawing your account.
• Debit Card Coverage: You can elect Debit Card Coverage to authorize overdrafts on your checking account for transactions using a Debit/ATM card, which includes signature and PIN-based point of sale transactions as well as ATM transactions; however, we pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. With Debit Card Coverage, we may pay the transaction as you have requested, but take your account negative. There is a Debit Card Coverage Overdraft Fee, per item, for each transaction we cover. If you do not select Debit Card Coverage (or any other coverage options), we will simply decline the debit card transaction at the merchant. There is no limit on the total fees we can charge you for overdrawing your account.
• Courtesy Pay: We also offer Courtesy Pay, a separate coverage that is available for checks you have written and transactions you authorize using your checking account number, including automatic bill payments and ACH transactions. If you do not have enough funds in your account to cover a check or ACH transaction and your Overdraft Protection options have been exhausted, we can honor your transactions, at our discretion, and draw your account negative. WPCU will assess our standard Courtesy Pay Overdraft Fee, per item, as outlined in our General Fee Schedule and Important Account Information, but you may avoid having the transaction declined. The maximum number of overdraft payments using the Courtesy Pay Option per month is ten (10), and the maximum number of overdraft payments using Courtesy Pay per twelve (12) month period is 60. If the maximum is reached, your transaction will be declined, and you will be charged a Non-Sufficient Funds (NSF) Fee per item.

In cases where your account does not have a sufficient balance to cover a transaction you have protected with overdraft coverage, we will attempt to cover your transaction using the least expensive option you have selected first.  In the event more than one coverage option is needed to pay your transaction, you will only be charged one fee, which will be the highest fee for the coverage options used.

You have the right to revoke your overdraft coverage options at any time. To revoke your selection, you can visit any member center location, or contact our Member Help Center.

By simple definition a beneficiary is “a person, organization, etc., that receives money or property when someone passes away”.

If you have a joint owner on the account, they will automatically become the recipient of the funds. If you do not, by designating a beneficiary(ies) you can rest assured that upon death, your money will be paid out to the named beneficiary(ies) without the hassle or aggravation of legal intervention (probate).

We do recommend that you designate a beneficiary for your peace of mind. This can be done when you open the account. You can also update or change your beneficiaries anytime by visiting a Member Center or contacting our Member Help Center.

If you are notified by the IRS that you are subject to Backup Withholdings, the Credit Union is required to withhold 28% of the dividends paid to your account and send them to the IRS. Any such payments will be included in the annual 1099-INT statement provided to you by the Credit Union.

Backup Withholdings Publication 1281

The maximum amount available for a personal unsecured loan is $50,000. The minimum amount is $500. The amount approved will vary based on the individual borrower. This does not apply to QCash Loans. See specific details for QCash Loans.

No. You can use a personal loan for any financial need, including home improvements, vacation, school, or to consolidate your high interest rate credit cards.

Yes. The Skip-a-Pay Program allows you to choose the month of your choice to skip one payment per calendar year on qualifying loans, such as a WPCU personal loan. The request for a payment skip can be made up to 6 months in advance of the monthly payment chosen and the request will automatically be processed on the date requested. There is a small fee of $10.00 per skipped payment that will be collected at the time of the request. Finance charges will continue to accrue on the loan during the month of the skipped payment, but no late fee will be charged.

To be eligible, you must have a positive balance, no late payment history on the loan of more than 31 days, have had the loan more than six months, and be current on all your WPCU loans.

The minimum payment on your ReadyLine Line of Credit is 3% of your outstanding balance, or $20, whichever is greater.

Accessing your ReadyLine is easy. Simply write a check (ReadyLine must be set up as overdraft protection on your checking account), use Call-24™, WPCU Online Banking or mobile app to transfer money from ReadyLine to your WPCU savings or checking account, or visit a Member Center or call the Member Help Center to draw from your ReadyLine.

Once you've hit your credit limit, simply pay it down to free up some funds on your credit line.

To qualify, you have to be a member of Wright-Patt Credit Union for at least 120 days, be able to show proof of income, have no delinquent accounts at WPCU and not be in the process of filing for bankruptcy. We will also do a minimal credit review of your history with payday lenders.

StretchPay® is a registered trademark of the Ohio Credit Union League.

No. You pay a fee once a year to be enrolled in the StretchPay® program - $25 for a $150 loan limit, $35 for $250 or $70 for $500. After that, you can borrow and repay the loan over and over and pay only the 25% APR finance charge.

StretchPay® is a registered trademark of the Ohio Credit Union League.

All StretchPay® loans are payable in two monthly installments over 60 days.

StretchPay® is a registered trademark of the Ohio Credit Union League.

The maximum amount available for a QCash Loan is $2,000. The minimum amount is $200. The amount approved will vary based on the individual borrower's eligibility.

No, there are no application or processing fees for the QCash Loan. There is a late fee of 5% of the monthly payment if payment is past due.

No. All applications are done through WPCU mobile and online banking. The loans cannot be originated through the Member Center, Member Help Center, or other traditional lending channels.

No. Members can have one outstanding QCash Loan at a time.

No. If you wish to purchase credit life/disability insurance, you will need to apply for a traditional signature loan instead of a QCash Loan.

Points earned on all qualifying cards issued under the same account number are automatically combined for you.

All Wright-Patt Credit Union Platinum Rewards credit cards are automatically enrolled in the Platinum Rewards program and can earn points with qualifying purchases.

For questions or help with your Wright-Patt Credit Union Rewards account, click here to contact us.

See complete Wright-Patt Credit Union Rewards Terms and Conditions for more details.

You can check your points by logging into Mobile or Online Banking or by calling (800) 762-0047 or (937) 912-7000. Look for the link called Credit Card Rewards under Cards Center. When you click on "Credit Card Rewards" it will take you to the rewards website where you can view and redeem your points.

Your Platinum Rewards credit card accrues one and a half (1.5) points for every $1.00 in qualifying net purchases.

Wright-Patt Credit Union Lifestyle Rewards is a program that offers points for qualifying purchases made with your Wright-Patt Credit Union Platinum Rewards credit card. Points may be redeemed for everything from gas to groceries to travel and more (login to your rewards account to see all redemption options) or gifted to another rewards member.

Cash back can be redeemed to your Wright-Patt Credit Union checking or savings accounts.

Your Wright-Patt Credit Union Rewards points are connected to your Wright-Patt Credit Union Platinum Rewards account number, not your card number. This means previously earned points are never lost, nor do they need to be transferred – even if your card is blocked, lost or stolen.

A qualifying transaction means every eligible transaction that is charged to your eligible Rewards Credit Card(s) covered by the Rewards Program. No points are earned for finance charges, fees, cash advances, ATM withdrawals, foreign transaction currency conversion charges, or insurance charges posted to your account.

The minimum point requirement to redeem for cash back is 2,500 points which is $25.00.

All other minimum points requirements vary by redemption option chosen.

Points, once earned, are valid for up to thirty-six (36) months, and expire on the last day of the month, thirty-six (36) months after the date of issuance. Points are tracked and redeemable on a first-in, first-out basis.

es. Here are the different ways you can move money to/from other financial institutions:

Log into Online/Mobile Banking

• External Funds Transfer: Move your money between your deposit accounts at WPCU and 23,000 other financial institutions
  • Allows you to send funds from WPCU to an external financial institution OR from your external financial institution to WPCU
  • The Primary member on your WPCU account must also be the Primary member on your external financial institution account as well
  • Transfers take 2-3 business days to process
  • Free
• Pay WPCU Loans: Pay your WPCU loan directly from another financial institution
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Loan payments take 2-3 business days to process
  • Free
• MyCUmortgage: Make an ACH payment to your WPCU mortgage
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Loan payments take 2-3 business days to process
  • Free

Call our Member Help Center

• Call us to process an ACH transfer over the phone (800) 762-0047 or (937) 912-7000
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Transfers and loan payments take 2-3 business days to process
  • Free

Visit us at one of our convenient Member Center locations

• Stop by one of our Member Centers to process an ACH transfer in person
  • Your name must be on both the receiving and sending accounts
  • You will need the ACH account number and routing number for the external account at another financial institution
  • Transfers and loan payments take 2-3 business days to process
  • Free
• You can do a cash advance at any of our Member Centers off of a credit/debit card from another financial institution
  • Immediate access to funds
  • Deposit the funds from your debit/credit card at another financial institution into your WPCU account
  • WPCU does not charge a fee for this service, however your other financial institution might – be sure to check with your other financial institution!

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).

With a Roth IRA, you make contributions with money you’ve already paid taxes on and your money can grow tax-free, with tax-free withdrawals in retirement if certain conditions are met. While your contributions give you no current break on your income tax like the Traditional IRA, when you start taking money out of a Roth IRA, it can be withdrawn tax-free and penalty-free if the initial contribution was made at least five years ago, and you meet one of the following conditions:

1. At least 59 ½ years of age
2. Purchasing a home for the first time ($10,000 limit) 
3. Disabled 
4. Deceased 

Learn more about both Traditional and Roth IRAs by clicking here.

Consult your tax advisor for details.

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 Personal Capital Money Market 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! Club Accounts are a smarter way to save up for planned expenses. When you open a Wright-Patt Credit Union Club account, you can create a name for the account depending on your savings goals, from holidays and vacation to taxes and back-to-school expenses. Open one for all your needs.

You can make withdrawals from your Club account during the account's term without fees or penalties.

No. The only restriction is you must be between the ages of 17 and 24 to qualify for the Student Essentials package.

Yes! All children age 17 and younger have the opportunity to earn our highest savings rate on their first penny saved with our TrueSaver® account.

No. The only requirement for the party opening the account, known as the "custodian," is that he or she must be an adult 18 years of age or older. The account must be opened in the name of the minor, and the minor's social security number must be included on the account.

When the minor reaches the age of 21, the custodian must deliver or pay the custodial property over to the minor.

In order to have access to your child's account, you must be listed as a joint or custodian of the account.

No. Custodial accounts do not have access to an ATM/Debit card, Mobile and Online Banking, loans or credit cards.

When your company does business online, there's no limit to your company's potential. Newtek can help you set up a website with shopping cart features to allow your customers the ability to shop securely online.

Wright-Patt Credit Union has teamed up with Clover® to help simplify your operations with an all-in-one payment processing system and business management solution tailored to meet the unique needs of your business. To learn more and for a free, no-obligation analysis of your current merchant processing program, please call (859) 285-8899 and we will get you in touch with our Clover representative.

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 Credit Union to find out how to start a gift card or loyalty program for your business.