101.5 KGB LISTENER OFFER

Heard Us On
101.5 KGB?

Join Frontwave, say "TD Sent Me," and get $600.1

The $600 Gets Your Attention. Everything Else Makes It Worth It.

Sure, the bonus is nice. But what you'll find at Frontwave is even better.

We're a Member-owned credit union built right here in San Diego. That means fair rates, fewer fees, straightforward answers and real people who have your back. Whether you're looking for better everyday banking or a trusted partner for your business, you'll find solutions designed around people, not shareholders.

Ready to make the switch? Just tell us, "TD Sent Me."

Step 1: Become a Member1

Apply online, visit a branch or call us to open your new Frontwave Checking and Savings accounts with eStatements.

Applying Online
Select "TD Sent Me" from the referral dropdown during your application. See the FAQs below for help. 

Applying by Phone or In Branch
Simply tell us, "TD Sent Me." Visiting a branch? Schedule an appointment to save time.


Step 2: Complete Qualifying Activities1

Once you're a Member, complete the remaining qualifying activities to earn your $600 bonus.

1. Set Up Direct Deposit
Receive at least $1,000 in qualifying direct deposits within 90 days.

2. Activate Your Debit Card
Start using your Frontwave Visa® Debit Card for everyday purchases.

3. Build Your Savings
Set up automatic $25+ transfers to savings for two consecutive months.

4. Get Rewarded
We'll deposit your bonus into your savings account.

Questions? Start Here.

During your online application, select "TD Sent Me" from the referral dropdown. If you're opening your account in a branch or by phone, simply tell the representative that TD sent you.

TD Sent Me


Yes. To qualify for the $600 offer, you must open both a Frontwave Checking and Frontwave Savings account during the same application.

Yes. Your online application includes everything needed to become a Frontwave Member and open your new accounts, subject to approval.

Most online applications take about 10 to 15 minutes. Before you begin, have the following ready:

  • A valid state-issued photo ID or passport (please do not use a military ID when applying online)
  • Your Social Security number or Tax Identification Number
  • Proof of your current address, such as a utility bill, cell phone bill, pay stub or other acceptable document
  • A way to fund your new account (external bank account, credit or debit card)

To verify your identity, you'll also be asked to:

  • Upload a photo of your ID
  • Take a quick photo of yourself
  • Upload proof of your current address

The first time you sign in to Frontwave Digital Banking, you'll be prompted to enroll in eStatements. Simply review the disclosure, check I Agree, and select Continue.

If you skip this step, you can enroll at any time by following the instructions below. Please note that eStatement enrollment is required to qualify for this promotional offer.

From a web browser:

  1. Select Manage Accounts, then eDocuments.
  2. On the Overview tab, select Subscribe.
  3. Review the disclosure, check I Agree, then select Subscribe again to confirm.

From the Frontwave Mobile App:

  1. Register for and sign in to the Frontwave Mobile App.
  2. Tap More, then Manage Accounts, then eDocuments.
  3. Tap Settings, then Subscribe.
  4. Review the disclosure, check I Agree, then tap Subscribe again to confirm.

If you have questions while applying online, our team can help by phone at 800.736.4500 or at any Frontwave branch.

See our Contact page for more information. 

A Better Banking Relationship Starts Here.

Running a business is hard enough. Your banking should make it easier. Open qualifying Frontwave Business Checking and Savings accounts, complete the qualifying activities, and earn a $350 bonus.2

Businesses: How to Earn $350

The $350 is nice, but having a banking team that understands your business can make running it a little easier. Getting started is simple.

1. Open Your Accounts
Enroll in eStatements and make a $1,500 deposit.

2. Keep a $1,500 Average Daily Balance
And make at least 10 transactions per month for two months. 

3. Get Rewarded
We'll deposit $600 into your Business Savings once you qualify.

Radio Promotion

Free Radio Promotion for Your Business

Frontwave has partnered with 101.5 KGB to create a program that gives local businesses the chance to grow their visibility through engaging on-air features that spotlight their brand. Designed as an exclusive opportunity for Frontwave Business Members, the program pairs radio exposure with social media support to amplify reach and connect with a broader audience. 

Learn more about this exclusive opportunity and become a Business Partner today!

Donut Drop

Operation Donut Drop 🍩

Ready to make your workday way sweeter? Here’s your chance! Enter to win an epic Operation Donut Drop—where the crew from 101.5 KGB’s morning show (Big Rich, TD & Fletch) rolls up to your workplace with a fresh delivery of legendary donuts from Randy's Donuts—all thanks to Frontwave Credit Union!

Enter on their website for a chance to win! You could be the office hero bringing the ultimate donut drop to your team!

Fresh Local Perks. Just for Being a Part of Our Community.

Enjoy exclusive offers from local businesses that give back. No catch. No gimmicks. Just meaningful rewards from the people and places that make our community thrive. 

Support local. Save local. Feel good doing it.

Disclaimers

* PERSONAL NEW MEMBER OFFER: Important Information and Disclosures

How to qualify: To receive the $600 bonus, open new Frontwave Checking and Savings accounts on the same day (subject to approval). If you open your accounts in a branch or by phone, simply tell us "Eddie Sent Me." If you apply online, select "Eddie Sent Me" from the referral dropdown during the application. Within 90 days of account opening, enroll in eStatements, activate your Frontwave Visa® Debit Card, receive $1,000 or more in qualifying direct deposits or ACH credits during two consecutive calendar months, and set up automatic transfers of at least $25 to savings for two consecutive months. Internal transfers and person-to-person payments do not qualify as direct deposits.

How you get paid: The bonus will be deposited into your Frontwave Savings account within 120 days if the requirements are met and your accounts remain in good standing. 

Who’s eligible: Offer available to new Frontwave members age 18 or older who live, work, or attend school in San Diego, Riverside, Imperial or San Bernardino counties, or who qualify through a Select Employer Group (SEG) or military affiliation. Not available to employees, volunteers, or anyone who has had a Frontwave account closed within the past 18 months. Limit one bonus per person. 

Other important info: Offer is effective as of July 1, 2026, and may change or end without notice. A 1099-INT will be issued for tax reporting purposes. 

Heads up, gig workers: To qualify, your deposits must come through as standard direct deposit or ACH into your Frontwave bank account. Transfers from a debit card or wallet (like PayPal or DasherDirect) do not count.





* BUSINESS NEW MEMBER OFFER: Important Information and Disclosures

Effective September 1, 2025. This offer is available to new Frontwave Credit Union Business Members who open both a Business Checking and Business Savings account with eStatements at the same time, with a combined opening deposit of $1,500 or more. The business must meet membership eligibility requirements and provide all required documentation. Limit one bonus per business entity.

This offer is not available to existing Business Members or to businesses that have closed any Frontwave Business account within the past 18 months. Frontwave employees, volunteers, and their immediate family members are not eligible to receive this offer for their own business. 

To qualify for the $350 bonus, the new Business Member must:

  • Open both a Business Checking and Business Savings account with eStatements at the same time and deposit $1,500 or more at opening;
  • Within the first 90 days, maintain a minimum daily collected balance of $1,500 in the Business Checking account for two consecutive full calendar months; and
  • Within the first 90 days, complete a minimum of 10 transactions per month in the Business Checking account for two consecutive full calendar months.

The $350 bonus will be deposited into the Business Savings account within 30 days of meeting all requirements. Bonus may be subject to tax and will be reported on IRS Form 1099-INT. 

Required documentation includes:

  • Valid Tax Identification Number (EIN or SSN for sole proprietors);
  • Current business license or fictitious business name filing;
  • Business formation documents (e.g., Articles of Incorporation, Partnership or Operating Agreement);
  • Government-issued photo ID for all owners, authorized signers, and beneficial owners (25% or more ownership).

Additional documentation may be required under federal regulations or Frontwave policies. A full checklist by business type is available in our business checklist. 

Frontwave does not open accounts for businesses engaged in prohibited or high-risk activities. These include, but are not limited to: money service businesses (e.g., check cashing, currency exchange, digital/cryptocurrency exchanges), internet gambling or gaming, marijuana-related businesses (including ancillary services), payday lending, and pawnshops.

Fees apply to Business Checking accounts and vary by account type. Fees may reduce earnings and available balances. For full fee details, please refer to the Business Account Schedule of Fees.

Offer may be changed or withdrawn at any time without notice. All accounts are subject to Frontwave’s standard terms, conditions, and membership agreement.