101.5 KGB LISTENER OFFER

Bank Like
a Headliner.

Heard us on 101.5 KGB? Get $350 when you join Frontwave. 

Ready to Make the Move?

Make the switch to Frontwave and get rewarded. KGB listeners can earn $350 when you join and open a new personal* or business** account.

Whether you’re managing everyday finances or growing your business, you deserve banking that has your back, with fair rates, straightforward answers, and real people ready to help.

Built right here in San Diego, Frontwave is a Member-owned credit union focused on the people and service members who call this community home.

Getting started is simple.

Personal: New Member Rewards

Get $350 when you join.*

Where you bank should feel like home. Make the switch to Frontwave and get rewarded for banking with a team that puts you first. A place that has your back. Fair rates. Straight answers. Real people when you need help.

Ready to Make the Move?

1. Open Your Accounts: Set up Checking and Savings with eStatements the same day. 

2. Set Up Direct Deposit: Start a $1,000+ monthly direct deposit within 90 days. 

3. Get Rewarded: We'll deposit $350 into your savings once you qualify.

Business: Small Business Incentives

Get $350 when you join.**

A simple move with a real payoff. Bring your business banking to Frontwave where we keep banking simple so you stay focused on your business. Plus, hit a few easy milestones and get rewarded.

Ready to Make the Move?

1. Open Your Accounts: Set up Business Checking and Savings with eStatements and a $1,500 opening deposit. 

2. Maintain Activity: Keep a $1,500 balance and complete at least 10 transactions per month for two months. 

3. Get Rewarded: We'll deposit $350 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 $350 bonus, open new Frontwave Checking and Savings accounts within the same day (subject to approval), enroll in e-statements, and set up recurring external direct deposits or ACH transfers totaling $1,000 or more. The $1,000 must post within a single calendar month and within 90 days of account opening. (Example: Two $500 paychecks within the same month qualifies.) Transfers between Frontwave accounts do not qualify. 

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 August 1, 2025, and expires on January 31, 2027, 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.