Search Locations
go
Search Site
Save BetterBorrow SmarterLearn A Lot!

Frequently Asked Questions | Checking Accounts and free Online Banking | Wright-Patt Credit Union

FAQ: Checking > ATM/Debit Card

Expand all

What should I do if I find fraudulent transactions on my statement?

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.

What should I do if my card is lost or stolen?

If your WPCU debit card is lost or stolen, please call (800) 762-0047, or (800) 523-4175 if it is after-hours, immediately. You can also report your card as lost or stolen by calling our audio response system, Call-24, at (800) 336-7277 and selecting #7 from the main menu, then sub-menu #4 for debit cards.

Which ATMs can I use?

While you can access your account at any ATM with the STARSM or Plus® logos, as a member of Wright-Patt, you have Lower-to-no-fee access to over 40,000 ATMs worldwide, including any Wright-Patt, Alliance One Network, CO-OP ATM Network, or STARsf ATM.

FAQ: Checking > Check Re-Order

Expand all

Can I re-order checks online?

Yes, and it's so easy. If you have ordered checks from us within the past 3 years and the printed information on the checks has not changed, you can re-order checks online through our preferred online check printer, Deluxe. All you need is the next consecutive starting number of the checks.

NOTE: If you have not ordered checks recently, or your information has changed, visit any of our Member Centers or call our Member Help Center.

What is Wright-Patt Credit Union's Routing and Transit Number?

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.

WPCU_MICR

What is the starting number for my next check order?

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.

FAQ: Checking > Checking with Dividends

Expand all

What if my balance drops below $1,000?

If your balance falls below $1,000, you will be subject to a $5 monthly maintenance fee. However, you will still continue earning dividends on the balance in your account.

Can I transfer funds between Wright-Patt Credit Union and other financial institutions?

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.

Exclusions include:

  • Credit Card Payments (contact the credit card company directly to arrange the transaction)
  • Mortgage Payments (contact Mortgage company to arrange the transaction)
  • Utility Payments (contact Utility company to arrange the transaction)

To set up a transfer, the following is required:

  • Your name must be on both the receiving and sending accounts
  • You must have the exact account number in ACH format for the other financial institution.
  • You must have the exact Routing number for the other financial institution (not the same as a wire number)
  • You must specify the type of account at the other financial institution: savings, checking, or loan

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.

FAQ: Checking > EasySaver

Expand all

How will purchases appear on my EasySaver account statement?

Purchases will appear as usual, with a line item for the exact amount of each purchase. Each day a purchase posts to your account, the amount rounded up will be totaled and debited from your account as one daily transaction at the end of the day.

We know each member will develop their own method for recording these transactions in their checkbook. One method we suggest is recording the actual purchase amount next to the payee name in your checkbook, and then recording the amount rounded up as the debited amount. This will help you keep your checkbook balanced, and help you avoid overdrawing your account.

Does the EasySaver program apply to written checks, or just debit card transactions?

The rounding up of purchases applies to debit card transactions only.

Are my deposits insured?

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 Association (NCUA).

FAQ: Checking > Select Checking

Expand all

Am I required to maintain a minimum balance on my Select Checking Account?

You are not required to maintain a minimum balance in your Select Checking 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 Select Checking.

Can I transfer funds between Wright-Patt Credit Union and other financial institutions?

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.

Exclusions include:

  • Credit Card Payments (contact the credit card company directly to arrange the transaction)
  • Mortgage Payments (contact Mortgage company to arrange the transaction)
  • Utility Payments (contact Utility company to arrange the transaction)

To set up a transfer, the following is required:

  • Your name must be on both the receiving and sending accounts
  • You must have the exact account number in ACH format for the other financial institution.
  • You must have the exact Routing number for the other financial institution (not the same as a wire number)
  • You must specify the type of account at the other financial institution: savings, checking, or loan

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.

FAQ: Checking > Totally Fair Checking

Expand all

Are there any hidden fees?

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.

Can I transfer funds between Wright-Patt Credit Union and other financial institutions?

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.

Exclusions include:

  • Credit Card Payments (contact the credit card company directly to arrange the transaction)
  • Mortgage Payments (contact Mortgage company to arrange the transaction)
  • Utility Payments (contact Utility company to arrange the transaction)

To set up a transfer, the following is required:

  • Your name must be on both the receiving and sending accounts
  • You must have the exact account number in ACH format for the other financial institution.
  • You must have the exact Routing number for the other financial institution (not the same as a wire number)
  • You must specify the type of account at the other financial institution: savings, checking, or loan

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.

Keep more of your hard-earned money. Check out our other websites:

Respect Your Money - Young Today, Money Smart TomorrowFraud Awareness - Protect Yourself From FraudWright 4 You Mortgage - A Perfect Fit

Any links to external websites are links to alternative sites not operated by WPCU. WPCU is not responsible for the content of the alternate site. The privacy and security policies of the alternate site may differ from those practiced by WPCU. WPCU does not represent you or the third party if you enter into a transaction with the third party.

Wright-Patt Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 762-0047 or by clicking here. All products and services available on this website are available at all Wright-Patt Credit Union branches.

View the WPCU Privacy Policy

WPCU on FacebookWPCU on TwitterWPCU on YouTubeWPCU on LinkedIn
Equal Housing HousingFederally insured by NCUA