FAQ - Business

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.

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.

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.

An HSA may provide significant tax benefits:

• 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.

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.

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.