Checking Accounts

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, you also have expanded access as a Wright-Patt Credit Union member. You have lower-to-no-fee access to over 40,000 ATMs nationwide. This includes 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.

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!

A no-fee checking account, often called free checking, is a bank account that does not charge a monthly maintenance fee. This allows customers to manage their daily finances without paying recurring account costs.

Many free checking accounts eliminate monthly maintenance fees, but other charges may still apply. These could include overdraft fees, out-of-network ATM fees, or optional services.

The biggest benefit is avoiding monthly maintenance charges. No-fee checking accounts also typically provide access to debit cards, online banking, mobile banking, and direct deposit.

Some financial institutions offer free checking automatically, while others may require simple conditions such as maintaining a minimum balance or setting up direct deposit. Be sure to check out WPCU’s Totally Fair Checking account, which has no monthly maintenance fees, no direct deposit fees, and no minimum balance requirements.

Many credit unions offer checking accounts with fewer fees, like Wright-Patt Credit Union’s Totally Fair Checking Account, because they are member-owned organizations focused on providing value to their members rather than generating profits for shareholders.