Digital Services

Enroll in Mobile and Online Banking

Manage Your Hard-Earned Money Anytime, Anywhere

Have easy access to your Wright-Patt Credit Union® (WPCU®) accounts when you sign up for Mobile and Online Banking. WPCU provides free, secure digital services to manage your money anytime, anywhere. It's like having access to a WPCU Member Center 24 hours a day! Across any device, achieving financial flexibility and freedom is easier with Wright-Patt Credit Union Digital Services and Money Management tools.

Download our mobile app via the links below or scan the QR code with your camera! To learn more about Mobile and Online Banking, click here for helpful Mobile & Online Banking tips or click here for an interactive demo.

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  • My Credit Score

    Your credit score plays a key role in your ability to borrow smarter. WPCU is making it easier than ever for you to monitor your credit within Mobile and Online Banking!

  • Mobile Deposit

    Save time and money with Wright-Patt Credit Union's Mobile Deposit. Keep more cash in your pocket and more gas in your tank!

  • Bill Pay

    With WPCU’s Mobile and Online Bill Pay, you can safely and securely send a payment to almost any place you would normally pay by check. Just set up your payees and schedule one-time or recurring payments.

My Credit Score

Your credit score plays a key role in your ability to borrow smarter. WPCU is making it easier than ever for you to monitor your credit within Mobile and Online Banking!

With My Credit Score, now available through WPCU’s Mobile and Online Banking, you have instant access to your credit score, credit report, helpful tips for improving your credit, and personalized offers. It’s just one more way WPCU is providing you additional value and helping you achieve greater financial flexibility and freedom!

You can access My Credit Score through Mobile or Online Banking. To learn more about My Credit Score, click here.

Mobile Deposit

Save time and money with Wright-Patt Credit Union's Mobile Deposit. Keep more cash in your pocket and more gas in your tank!

Overview

It couldn't be easier. Mobile Deposit lets you "click" with your finances in a whole new way. If you can take a picture, you can make a deposit. Just Tap, Snap and Deposit!

Mobile Deposit Tips

Here are some tips to make sure your Mobile Deposits process smoothly.

  1. Make sure the amount you enter matches the amount on the check.
  2. Remember to sign the back of the check, and endorse "WPCU Mobile Deposit".
  3. Choose a well-lit spot to capture the check images.
  4. Try to avoid shadows.
  1. Lay the check flat and on a dark background.
  2. Ensure all four corners of the check are visible and you can see the entire check from edge to edge in the image... no rolled or torn edges.
  3. Keep your hands clear of the check when taking the photo.
  4. Use "Preview" to double check the photo quality.
  5. Ensure the MICR numbers located at the bottom of the check are completely readable in the photo preview.
  6. Now just tap "Deposit check"!

Using these Mobile Deposit tips will save you time and money, and make your life easier!

Bill Pay

With WPCU’s Mobile and Online Bill Pay, you can safely and securely send a payment to almost any place you would normally pay by check. Just set up your payees and schedule one-time or recurring payments.

Overview:

Here are just a few reasons to start using WPCU's Mobile and Online Bill Pay to better manage your money:

  1. Increased security: Payments sent electronically using Mobile and Online Bill Pay are a secure way to pay your bills without putting private information in the mail that could be compromised.
  2. Save money: Bill Pay eliminates the need to purchase checks, stamps and envelopes and allows you to save more of your hard-earned money.
  3. Never be late on a payment again: Set payment reminders and we'll email you when bills are due.
  4. Simplify with automatic payments: You can save time by setting up recurring automated payments so you don't have to schedule a payment manually each month. To learn how to edit recurring bill payments, click here.
  1. Know the exact day money is coming out of your account: With Online Bill Pay you can choose when the money comes out of your account if your payee processes your payment electronically.

You’ll enjoy greater peace of mind with the WPCU Bill Pay Guarantee:

If the information you provided us was accurate regarding the payee, and you incurred late fees because the payment did not arrive on or before the date you selected, we will reimburse any late fees up to $50 if your payee is unwilling to waive them.

To learn more about Bill Pay, click here for an interactive demo.

  • Money Management

    With Wright-Patt Credit Union’s Money Management online tools, easily track and manage all your financial accounts in one place. Plus, it’s free!

  • Card Management

    With Card Management through Mobile and Online Banking, you are able to manage your ATM, Debit and Credit Cards 24/7!

  • New! Debit Card Rewards Offers

    A new and enhanced Debit Card Rewards Offers program is now available from WPCU! Debit Card Rewards Offers makes it easy to earn cash back on everyday purchases from some of your favorite stores.

Money Management

With Wright-Patt Credit Union’s Money Management online tools, easily track and manage all your financial accounts in one place. Plus, it’s free!

Overview:

Money Management is a free service of Wright-Patt Credit Union (WPCU) Mobile and Online Banking that lets you see all of your financial accounts, including those with other institutions, all in one place. Plus, you can easily track your spending, create budgets, set goals and much more!

Our goal at WPCU is to help you manage your finances with ease and convenience. Instead of logging into multiple places and manually pulling your accounts and transaction history together, WPCU's Money Management lets you see all of your financial accounts in one place, with one login.

To learn more about Money Management, click here for an interactive demo.

Here are just a few ways Money Management helps you make smarter decisions with your hard-earned money:

  • 24/7 access to Money Management via Online Banking or the WPCU Mobile App keeps you in the know
  • Money Management auto-categorizes your transactions, so you will do less work managing your expenses
  • Use the debt payoff calculator to easily plan your get ahead of debt strategy
  • Quickly see where your money is going each month with the interactive budgets widget

To get started simply log into Mobile or Online Banking, then click the Money Management tab. It’s that easy!

Card Management

With Card Management through Mobile and Online Banking, you are able to manage your ATM, Debit and Credit Cards 24/7!

Card Management is a feature within Mobile and Online Banking that allows you to easily view and manage your active WPCU ATM, debit and/or credit cards. To access Card Management simply tap the “More” menu when using the WPCU Mobile App or click on the “ Services” tab in Online Banking.  

Card Management offers a variety of features to help you make life a little easier, including the ability to:

  • Turn your ATM/Debit or Credit Card On or Off
  • Report your card lost or stolen 
  • Request a replacement card
  • Simple instructions for resetting your PIN
  • Create custom nicknames for your cards

New! Debit Card Rewards Offers

A new and enhanced Debit Card Rewards Offers program is now available from WPCU! Debit Card Rewards Offers makes it easy to earn cash back on everyday purchases from some of your favorite stores.

A new and enhanced Debit Card Rewards Offers program is now available from WPCU! Spend and manage your money wisely by earning cash back on some of your everyday purchases from your favorite stores.

To access, simply log in to WPCU's Mobile or Online Banking to sign up for Debit Card Rewards Offers and register your WPCU debit card.

  • In Mobile Banking, navigate to the "Cards Center" menu, then select "Debit Card Rewards Offers". 
  • In Online Banking, click on the Debit Card Rewards Offers widget (on the "My Accounts" page underneath the My Credit Score widget), or navigate to "Debit Card Rewards Offers" under the Additional Services menu.

Once you've registered, it's as easy as Tap, Spend, Save!

  1. Tap: Activate the offers that interest you.
  2. Spend: Make qualified reward purchases online or in-store using your debit card meeting offered terms.
  3. Save: Receive cash back in your account.

Mobile and Online Banking Tips & FAQs

At Wright-Patt Credit Union, we’re helping you live a more flexible life anytime, anywhere! Download our Mobile App for iPhone® or AndroidTM and put the convenience of Mobile Banking at your fingertips. It’s secure, fast and free!

Simple Flexibility:

  • Deposit checks fast from your smartphone with Mobile Deposit
  • Check account balances, transfer money between WPCU accounts and monitor recent transactions
  • Use WPCU Bill Pay to pay bills to new and existing payees
  • Make payments to your WPCU loans by transferring money from your WPCU account or another financial institution
  • Transfer money between your WPCU account and another member's account
  • Activate Debit Card Rewards Offers and get cash back for purchases you make with your debit card
  • Quickly find the nearest WPCU Member Center or ATM

Download your WPCU Mobile App now

Click a button below to visit the app store of your choice - or scan the QR code with your phone to go directly to the WPCU app page on your device.

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Our free Online Banking system is one of the fastest, most convenient ways to access all of your accounts. Once you log in to Online Banking, you can do all of your important banking tasks right from the homepage, including:

  • View your account balances and transactions history
  • Pay bills with Online Bill Pay
  • Activate Debit Card Rewards Offers and get cash back for purchases you make with your debit card
  • Enroll in eStatements and eNotices to view monthly eStatements, tax statements and more
  • Request Skip-a-Pay on qualifying loans

Most of the things you can do in a Member Center, you can do online. Wright-Patt Credit Union’s Online Banking makes life a little easier with access to your account and the ability to perform transactions whenever and wherever you’re online. It’s easy, convenient and free!

To learn more about Online Banking, click here for an interactive demo.

You can customize your own text or email reminders with eAlerts for when:

  • Account balance reaches a specified amount
  • A loan payment is due
  • Share Certificates or Club Accounts are nearing maturity
  • Specified checks have cleared your account
  • Personal calendar dates, such as birthdays and anniversaries, are coming up

eStatements

Be faster, greener and more secure with eStatements:

  • Reduce paper waste
  • Receive your statement days sooner than you would through the mail
  • Access statements securely online — no more sitting in your unsecured mailbox at home
  • Login anytime to view your current statement and access archived statements
  • Print only the statements you need

Learn how to enroll.

Must be signed up for Mobile and/or Online Banking to enroll in eStatements and eNotices.

eNotices

Get notified via email any time something important happens with your account:

  • A transfer was made from an overdraft source
  • A check/debit was not paid because of insufficient funds
  • You have a past due loan payment
  • Your account has had a negative balance for 30 days
  • Your Share Certificate or IRA is nearing maturity
  • One of your accounts was closed
  • You have money that will be sent to unclaimed funds if we do not hear from you
  • Your safe deposit box is up for renewal 

Electronic Tax Documents

Easily access and print your tax documents.

A good Mobile Deposit photo is on a dark background, with all elements of the check visible and within the camera border. WPCU requires all checks deposited via Mobile Deposit to have “WPCU Mobile Deposit” endorsed on the back of each check. Below are examples of good Deposit Photos for the front and back of a check.

iPhone Mobile Deposit Example 1

iPhone Mobile Deposit Example 2


Please Note: If all elements of your check are not visible or within the borders of the camera view, your deposit may have to be manually reviewed. This may result in your deposit being rejected due to missing information.

After you’ve made sure the check photo meets all the requirements and you tap “Deposit check”, here’s what you can expect to happen next:

  • When you see your confirmation number, it means we’ve received your check deposit. 
  • If the check photo meets all the requirements, your deposit will immediately show up in your account.
  • If your deposit doesn’t immediately show up in your account that means we’re reviewing your check photo to make sure it captured all the information we need.
  • To check the status of your deposit, open the Mobile App and go to the Check Deposit screen. Then click on the History tab in the top right corner. This screen provides an overview of all your deposits with the date, amount, and check status. Click on a single deposit for more details.
  • If you made the deposit before 8:00 PM, Monday-Friday, and 1:00 pm on Saturdays we’ll review your check photo and send an email notification the same day letting you know if your check was accepted or rejected. Otherwise you’ll get an email notification on the next business day. You can also check the status of the deposit any time using the Mobile App. Please do not deposit the same check again until you get a notification email.
  • If the notification email says your deposit was rejected because of the photo quality go ahead and try depositing your check again, and follow the tips listed above. If your check is rejected for any other reason please bring your check to your nearest Member Center and we'll be happy to help!

Looking for Online Banking for Businesses? Get easy access to your WPCU Business accounts with convenient mobile and online banking services. WPCU's Business Online Banking solution is designed for your company's needs.

Learn more and sign up for Business Online Banking.

To learn more about Business Online Banking, click here for an interactive demo.

Mobile & Online Banking How-To Videos

  • My Credit Score How-To: Score Analysis & Credit Report

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  • How-To: Score Analysis & Credit Report

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  • How-To: Create, Track & Achieve Credit Score Goals

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  • Mobile & Online Banking Tips: Manage My Share Certificates

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  • Mobile & Online Banking Tips: Fraud Protection

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  • Mobile & Online Banking Tips: Multi-Factor Authentication

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  • Mobile & Online Banking Tips: Automatic Bill Pay Payments

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  • Mobile & Online Banking Tip: Card Management

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  • Mobile & Online Banking Tip: Authenticator App

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