Last Updated: 01/21/2026

Wright Patt CU Checking with Dividends

from Wright Patt Credit Union

Last Updated: 01/21/2026

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Highlights

Welcome Offer

Starting at $0(Verified 06/21/2024)

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Rewards

N/A

APY (Annual Percentage Yield)

0.04% - 0.08%(Verified 06/21/2024)

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Monthly Maintenance Fee

$0 - $5(Verified 01/21/2026)

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Wright Patt CU Checking with Dividends Review

The Wright Patt CU Checking with Dividends is offered by Wright Patt Credit Union, a credit union founded in 1932 and based in Beavercreek, OH. Wright Patt checking account is available in 1 state.

Key Takeaways

Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.08% .
Charges a monthly fee. This account charges a monthly fee of up to $5, but the fee may be waived if you keep a minimum balance of$1,000.
$1,000 minimum opening deposit. This is a typical minimum initial deposit.
ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Bill pay. Pay your bills to practically anyone in the United States when you enroll in Wright Patt Credit Union mobile or online banking.

Wright Patt checking account Pros & Cons

Pros

Cons

Accounts with higher balances qualify for foreign ATM fee reimbursements. (up to $10/month)
Interest-yielding account.
Insured by NCUA.
Access to physical branches.
Debit card
Access to a nationwide network of ATMs.
No charge on incoming domestic or international wire transfers.

No signup bonus.
Not FDIC-insured.
Only available in one state.
Charges a fee on out-of-network ATM transactions.

Wright Patt checking account FAQ

Are checking accounts from Wright Patt Credit Union federally insured?

No, your Wright Patt Credit Union checking accounts are not insured by a federal insurance agency. This means that if Wright Patt Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

What APY does Wright Patt checking account offer?

Wright Patt checking account offers an APY starting at 0.04% and ranging up to 0.08% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $0.01.

Wright Patt checking account Rates and Terms

Rates

Amount

APY (Annual Percentage Yield)

0.04% - 0.08%

What are the account minimums for Wright Patt checking account?

Wright Patt checking account requires a minimum initial deposit of $1,000.

Wright Patt CU Checking with Dividends Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

Starting at $1,000

Minimum Balance to Earn APY

$0.01

Minimum Opening Deposit

Starting at $1,000

What fees does Wright Patt checking account charge?

This account charges a monthly maintenance fee each statement cycle of up to $5.

Wright Patt CU Checking with Dividends Fees

Description

Monthly Maintenance Fee

$0 - $5

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $1.5

NSF Fee

$19

Overdraft Item Fee

Starting at $19

Returned Deposit Fee (Domestic)

Starting at $10

Card Replacement Fee (Standard Delivery)

Starting at $5

Online Bill Pay Fee

Starting at $0

Stop Payment Fee

Starting at $25

Foreign Transaction Fee (Debit Card)

Starting at 0%

Wire Transfer Fee - US Domestic (Outgoing)

Starting at $20

Wire Transfer Fee - International (Outgoing)

Starting at $50

Wire Transfer Fee - International (Incoming)

Starting at $0

Returned Deposit Fee (International)

Starting at $10

Wire Transfer Fee - US Domestic (Incoming)

Starting at $0

Does Wright Patt checking account charge overdraft fees?

Yes, Wright Patt checking account charges a $19 fee for every overdraft.

What features and perks does Wright Patt checking account offer?

This account includes the following features:

ATM rebates - This account will reimburse you for domestic ATM fees .
Fraud monitoring - Wright Patt checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Wright Patt checking account allows you to manage your money online or with a mobile app. This includes depositing checks^* in your account with a mobile app on your smartphone.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Wright Patt checking account?

The customer support email for Wright Patt checking account is myvoice@wpcu.coop.

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Message from Wright Patt checking account

At Wright-Patt Credit Union 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 balance from month to month, we have a checking account suited for your needs. Learn more about our available checking account options.

Checking with Dividends, 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. Checking Account Flexibility to Meet Your Needs and Save You Time and Money.

Contact

Headquarters

3560 Pentagon Blvd

Beavercreek, OH 45431

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Email Support

Hours of Operation

SundayClosedMonday9:00AM - 7:00PMTuesday9:00AM - 7:00PMWednesday9:00AM - 7:00PMThursday9:00AM - 7:00PMFriday9:00AM - 7:00PMSaturday9:00AM - 1:00PM

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-1000+100

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