FAQs

WCTFCU's routing number is 255079527.  For account and member number instructions, please Click Here.  This routing number cannot be used for incoming wires. Please see Wire Transfers for wiring instructions. 

A credit union is a cooperative, not-for-profit financial institution owned by its members. Unlike a bank, a credit union exists to serve its members rather than to make a profit for stockholders. Members elect a volunteer Board of Directors to represent them and help guide the credit union. WCTFCU provides members with a safe, convenient place to save, borrow, and access other financial services.

To view member eligibility requirements, please Click Here.

Deposits can be made in person at our Main Office or Williamsport Office, by mail, or by ATM at the Main Office or Williamsport Office.

Yes. Your deposits are federally insured by the National Credit Union Administration (NCUA), a U.S. government agency. Individual accounts are insured up to at least $250,000, and additional coverage may be available depending on account ownership.

There are three WCTFCU offices.  Please Click Here for address details and operating hours.

Click Here for office hours of operation.

19638 Leitersburg Pike, Suite 100
Hagerstown, MD 21742

You will receive a Form 1098 if you paid at least $600 in interest on WCTFCU Home Loans during the year. This form will be mailed to you by January 31.  If you paid less than $600, you will not receive an IRS Form 1098.  Please refer to your previous statements or contact the Credit Union to obtain these figures.  Please consult your tax advisor for guidance regarding your specific tax situation.

You will receive a Form 1099 if you earned $10 or more in dividends on Credit Union accounts during the year. This form will be mailed to you by January 31.  If you earned less than $10, you will not receive an IRS Form 1099.  Please refer to your previous statements or contact the Credit Union to obtain these figures.  Please consult your tax advisor for guidance regarding your specific tax situation.

Identity fraud can occur from stolen mail and fraudulent changes of address.  In order to better protect your account information, WCTFCU statements are NOT forwarded even if you submit a change of address form with the post office.  If you have moved and have not informed us of your new address, your statements will be returned to the Credit Union.  If your phone number has also changed, we may have no way to contact you should questions or concerns arise regarding your account. 

Whenever you have a life event that changes your personal information, you need to let WCTFCU know as soon as possible.  Phone numbers and e-mail addresses can be updated by calling our Main or Williamsport offices.  You can change your address in person or by written request only. 

Change of address forms are available at our Main Office and Williamsport Office. You can also mail a signed letter requesting that your address be changed. Be sure to include:

• your name
• previous mailing address
• new mailing address*
• member number
• telephone numbers

*If your new mailing address is a P.O. Box, please also include a physical address.  This information is for recordkeeping purposes only.

To add or remove a joint owner, a special form must be completed and signed by ALL individuals on the account in the presence of our staff. New account owners will be subject to our Procedures for Opening a New Account.   Please visit one of our Main or Williamsport offices to make any joint owner changes.

We do not charge a fee for bank checks.  Please see our Fee Schedule for a complete list of fees.

Please see our Lost/Stolen Card information for instructions on reporting your card.

Please see the Travel Notification information.

Your Debit Card can be used internationally anywhere Mastercard® is accepted. Your ATM/Debit Card can also be used at ATMs displaying the Pulse or Star logos shown on the back of your card.

Please Contact Us to request a new or replacement card.  Please see our Fee Schedule for for applicable fees.

We have limits set for your protection. The maximum amount of cash you can withdraw from your account each day using your card is $400. For point-of-sale (POS) transactions, available only with the Mastercard® Debit Card, your daily maximum is $1,000. If you need a temporary increase to your limits, please Contact Us.

Please call 800-290-7893.  This is an automated service.  Please have your card available and follow the prompts.  Do not share your card number, PIN, or activation codes with anyone.

Please call 800-290-7893.  This is an automated service.  Please have your card available and follow the prompts.  Do not share your card number, PIN, or activation codes with anyone.

Our Digital Banking service offers access to account balances and history, funds transfers, eStatements, loan payments, recurring transfers, BillPay, and more.

See Sign Up Instructions.

Click Forgot Password and follow the prompts. For your protection, identity verification will be required before access is restored.

Yes! We have apps for both iPhone and Android. Search the Apple App Store for "WCTFCU Mobile Banking" or the Google Play Store for "Washington County Teachers FCU".

Once you have logged on to Digital Banking, click on the Pay Bills button and it will prompt you to sign up for BillPay.

When you are in BillPay, there are several ways to get help. Select the Help tab for general questions, use Chat Now to chat with a support representative, or call 877-360-2527 for assistance.

Payments are sent one of two ways: electronically or by paper check. Most payments are delivered electronically. Your payment information, such as your account number, is sent through a secure transmission. All other payments are made by paper check and mailed through the U.S. Postal Service.

You may schedule, edit, or stop a payment prior to 4:00 PM ET on the date the payment is scheduled to process.

Delivery time depends on the payee and delivery method. Please schedule your payment with sufficient time to ensure on-time delivery.

Once logged on to Digital Banking, select eStatements from the menu and choose the statement you would like to view.

Master Share Savings accounts require a minimum balance of $5. To earn dividends, you must maintain a minimum daily balance of $100.

Yes, we do!  Please see Deposit Accounts for more information.

Share Draft/Checking accounts do not require a minimum balance. To earn dividends, you must maintain a minimum daily balance of $250.

If you are ordering checks for the first time, please Contact Us for assistance.  For reorders, please use Reorder Checks.

Once logged on to Digital Banking, locate the check in your account history and select the check number to view an image of the cleared check.

Apply for a Loan

View our current loan rates.

Yes. When you make an additional payment, any accrued interest will be paid first and the remainder will be applied to your principal balance. To make a principal-only payment, you may bring cash or a check to our Main Office or Williamsport Office, or mail us a check. You must specify that it is a principal-only payment. Principal-only payments cannot be made electronically.

You can obtain free credit reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com, the official website authorized by federal law. Free online credit reports are available weekly from each of the three credit bureaus. You may also request your reports by calling 877-322-8228.

Please note: A credit report does not include your credit score.

See Incoming Wires.

See Outgoing Wires.

Stop payments are valid for 6 months when a Stop Payment Request Form is completed and signed at our Main Office or Williamsport Office. An oral request will expire after 14 days but can be extended once you sign the Stop Payment Request Form. Fees may apply.  See Fee Schedule.

We do have notaries at both the Main and Williamsport offices.  See Notary Services for more information.

See Direct Deposit/Payroll Deduction for information.