Checking Accounts

Open a Checking Account

Wright-Patt Credit Union® Checking Accounts

At Wright-Patt Credit Union® (WPCU®), we make checking easy with our available checking account options. Whether you need a traditional checking account, a spending account with no checks or you carry a larger monthly balance, Wright-Patt Credit Union has a checking account suited for your needs. Learn more about our available checking account options below.

  • Totally Fair Checking®

    Our Totally Fair Checking® account has no surprises, no hassles and no hidden fees. Say farewell to monthly minimum balance requirements and direct deposits with sneaky service fees. You’ll enjoy unlimited check writing, free Mobile and Online Banking, eStatements and much more. Checking with Wright-Patt Credit Union offers unbeatable benefits.

  • Checking with Dividends

    If you typically keep $1,000 or more in your checking account, let your money work for you with dividends that are credited monthly. Check out our different dividend checking account options and their annual percentage yields (APY) below.

  • CentsibleSpend®

    This spending account for your everyday transactions really does make sense. With no paper checks, no bounced checks, a low minimum balance requirement, and no overdraft fees, you’ll have no worries.

Totally Fair Checking®

Our Totally Fair Checking® account has no surprises, no hassles and no hidden fees. Say farewell to monthly minimum balance requirements and direct deposits with sneaky service fees. You’ll enjoy unlimited check writing, free Mobile and Online Banking, eStatements and much more. Checking with Wright-Patt Credit Union offers unbeatable benefits.

Overview

Checking is made easy with our free checking account. Wright-Patt Credit Union’s Totally Fair Checking® account doesn’t pull any punches. It’s checking...made easy.

  • Mobile and Online Banking, Bill Pay, Mobile Deposit, debit/ATM card, and access to more than 40,000 lower-to-no-fee ATMs… all included at no cost to you with your checking account.
  • Earn cash-back rewards at select retailers when you pay with your debit card through our Purchase Rewards Program.
  • We make it simple to switch with our checking account switch checklist.

Benefit Highlights

  • Take the stress out of everyday banking with no minimum balance requirements and no monthly service fee
  • Never worry about writing too many checks because our Totally Fair Checking® account offers unlimited check writing and no per check charges
  • Round up your debit card purchases and save more, faster. Learn more about our EasySaver® program. Our goal is to make it easy!

Checking with Dividends

If you typically keep $1,000 or more in your checking account, let your money work for you with dividends that are credited monthly. Check out our different dividend checking account options and their annual percentage yields (APY) below.

Overview

Receive dividends on your entire balance, including a higher dividend rate for balances over $25,000. Plus, there’s no monthly service fee as long as you maintain a $1,000 minimum daily checking account balance.

We make it simple to switch with our checking account switch checklist.

Benefit Highlights:

  • Start earning dividends with a $1,000 minimum opening balance
  • Enjoy unlimited check writing 
  • Free access to Mobile and Online Banking which includes, Bill Pay, Mobile Deposit, and more!
  • Get a free Debit card with access to more than 40,000 lower-to-no-fee ATMs!

CentsibleSpend®

This spending account for your everyday transactions really does make sense. With no paper checks, no bounced checks, a low minimum balance requirement, and no overdraft fees, you’ll have no worries.

Overview

Our CentsibleSpend® account is a spending account that is free of overdraft fees. If you overdraft your account unintentionally, with our CentsibleSpend account, you won't be charged an overdraft fee. It’s that simple! 

We make it simple to switch with our checking account switch checklist.

Benefit Highlights:

  • $25 deposit required to open account
  • Helps you spend & manage your money wisely and stick to your budget
  • Simply use your debit card, Mobile and Online Banking, Bill Pay and Mobile Deposit to easily manage your money and pay bills

Totally Fair Checking

Checking with Dividends

CentsibleSpend®
No Monthly Service Charge

Green Check Mark

—

—
Free Online and Mobile Banking with Bill Pay

Green Check Mark

Green Check Mark

Green Check Mark
Free Debit Card

Green Check Mark

Green Check Mark

Green Check Mark
WPCU ATM access

Green Check Mark

Green Check Mark

Green Check Mark
Free Mobile Deposit

Green Check Mark

Green Check Mark

Green Check Mark
No minimum balance

Green Check Mark

—

—
No check writing limit or per check fees

Green Check Mark

Green Check Mark

—
Pays Dividends

—

Green Check Mark

—
No overdraft fees

—

—

Green Check Mark

Totally Fair Checking

No Monthly Service Charge

Green Check Mark

Free Online and Mobile Banking with Bill Pay

Green Check Mark

Free Debit Card

Green Check Mark

WPCU ATM access

Green Check Mark

Free Mobile Deposit

Green Check Mark

No minimum balance

Green Check Mark

No check writing limit or per check fees

Green Check Mark

Pays Dividends

—

No overdraft fees

—

Checking with Dividends

No Monthly Service Charge

—

Free Online and Mobile Banking with Bill Pay

Green Check Mark

Free Debit Card

Green Check Mark

WPCU ATM access

Green Check Mark

Free Mobile Deposit

Green Check Mark

No minimum balance

—

No check writing limit or per check fees

Green Check Mark

Pays Dividends

Green Check Mark

No overdraft fees

—

CentsibleSpend®

No Monthly Service Charge

—

Free Online and Mobile Banking with Bill Pay

Green Check Mark

Free Debit Card

Green Check Mark

WPCU ATM access

Green Check Mark

Free Mobile Deposit

Green Check Mark

No minimum balance

—

No check writing limit or per check fees

—

Pays Dividends

—

No overdraft fees

Green Check Mark

Description APY
Checking With Dividends

Description

$0.01 to $9,999.99

APY

0.04%

Description

$10,000.00 to $24,999.99

APY

0.04%

Description

$25,000.00 and Higher

APY

0.08%
Select Checking with Dividends

Description

$1,000.00 and Higher

APY

0.04%

  • 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 STARSM 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 STARSM ATM.

  • 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.

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

View all FAQs

  • 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 Dividend.

  • 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).

  • 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.

  • 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.

  • Yes. 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!

Which Checking Account is Best for You?

At Wright-Patt Credit Union (WPCU), we make choosing checking accounts easy. In addition to our savings accounts that help you earn the some of the highest savings rates, you can enjoy the advantages of checking accounts that suit your lifestyle. Whether you want the assurance of our Totally Fair Checking® or the spending support of CentsibleSpend®, you’ll find the right checking accounts for you at WPCU. You’ll get all the features you’ve come to expect from a checking account, like direct deposit, account alerts, mobile balance inquiry, and other helpful resources, but you’ll also get a low or no minimum balance requirement and personalized attention that comes with a membership account at WPCU.

We also offer our EasySaver® debit card round-up program for consumer debit cards, and business checking accounts for entrepreneurs and business owners.

  • ATM/Debit Cards

    Access your account anywhere you go with a free contactless debit card available through our credit union.

  • Mobile Banking

    Manage your finances, including loans, checking or savings accounts, on the go from your smartphone or mobile device. Download the mobile app from our credit union today.

  • Helpful Videos

    View our short, helpful videos that cover a host of Wright-Patt Credit Union's products and services to help you learn more.

  • Lower-to-No Fee ATMs

    Access more than 40,000 lower-to-no fee ATMs across the country. Find an ATM.