Whether you want quick answers or a personal touch, we’re here for you. Get 24/7 help from Penny, our AI assistant, to check balances, review transactions, move money, and more—online or by phone. Prefer to speak with someone? Our Member Solution Center and branch teams are ready to provide personalized support and guidance whenever you need it.
Frontwave Credit Union; 1278 Rocky Point Drive; Oceanside, CA 92056
Fax:
877.789.7628
Prefer to Talk to a Real Person?
Get clear answers, real options, and support from people who know how to help. Whether it’s a quick question or a bigger financial move, Frontwave is here to help you figure out the next step.
Operating Hours Monday – Friday: 7:00 AM – 6:00 PM PT Saturday: 9:00 AM – 4:00 PM PT
Meet Penny, Your 24/7 AI Assistant
Need answers fast? Penny is ready anytime to help with balances, transactions, transfers, payments, and everyday banking questions without the hold music or long wait times. Built to make banking easier and backed by the same people-first service Frontwave has delivered since 1952, Penny helps you get what you need and get on with your day.
ONLINE Just click the icon in the bottom right to get started.
Get 24/7 support for your Visa Credit Card, Visa Debit Card, or ATM Card, including: Card activation and PIN setup, lost or stolen cards, digital wallet support, fraud or transaction disputes.
Open Your Accounts Setup Checking and Savings accounts with e-statements on the same day.
Set Up Direct Deposit Start a $1,000+ monthly direct deposit within your first 90 days.
Get Rewarded We'll drop $350 into your savings once you qualify. Simple as that.
No Hoops. No Hassle. Just $350 to Prove We’re Worth It.
Disclaimers
* 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: Bonus will be deposited into your Frontwave Savings account within 120 days if requirements are met and accounts remain in good standing.
Who’s eligible: Offer available to new Frontwave members age 18 or older who live, work, worship, 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 effective as of August 1, 2025, 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.
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