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Debit Card Assurance | Wright-Patt Credit Union

Relax, your WPCU debit card is protected.

In order to assure the security of your accounts, we may require you to use your 4-digit PIN (choose debit vs credit) to complete your purchases at certain merchants in areas where we have identified fraudulent activity. These situations are temporary and are for the security and dependability of your banking experience.

Continue to use your card as you normally do, but if you find it is not working please choose to process the transaction as a "debit" purchase versus "credit."

Zero-Liability Protection

Wright-Patt Credit Union will not hold you responsible for unauthorized use of your Debit Card.* Certain limitations apply and we always recommend you utilize Wright-Patt’s home or mobile banking or Call-24 to periodically check your Wright-Patt accounts and notify us immediately if you identify any unusual activity by calling (937) 912-7000 or toll-free at (800) 762-0047.

Need to reset your PIN?

If you need to reset your PIN, simply call (800) 899-4042 to ensure access to your account is not interrupted.

Preventing fraud on your account

The safety of our members’ accounts is extremely important to us. We also want to assure you that accounts are being monitored 24 hours a day, 7 days a week for suspicious activity. We have implemented enhanced monitoring programs to specifically watch for suspected fraud on debit cards.

Please be sure we have your current phone number on your account in the event we need to contact you regarding any suspicious transactions on your account. You can update your contact information by calling our Member Help Center at (937) 912-7000 or toll-free at (800) 762-0047.

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 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.

Click Here to learn about NCUA share insurance.

*Your liability for the unauthorized use of your Card at a Debit/POS merchant is as follows: You will have zero liability for the unauthorized use of your Card provided: (1) you used reasonable care in safeguarding the Card from risk of loss or theft; (2) you have not reported two or more incidents of unauthorized use to the Credit Union in the immediately preceding 12 month period; and (3) your account is in good standing. In all other situations, the maximum liability for unauthorized transactions at a Debit/POS merchant will be $50.00.

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.

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