Frequently Asked Questions

Frequently Asked Questions

What You Need to Know About the Barstow Community Credit Union Merger

We're working hard to make the transition as smooth as possible. But we know you have questions! Fortunately, we've got answers. Check out the latest below. 


Frequently Asked Questions

About the Merger

Absolutely! Both Boards are very excited about this partnership and the benefits it brings our Members and communities.
The name of our combined organization will be Frontwave Credit Union.
Frontwave President/CEO Bill Birnie will remain CEO of the combined organization.
No. The Barstow Community Credit Union team will become employees of Frontwave and continue to serve Members at the Frontwave Barstow branch after the merger.
Yes, of course! You will absolutely continue to receive the same personalized service you do today. In fact, we’ll have the resources to offer you even better service. The primary reason for our two non-profit cooperative credit unions to merge is to better serve our Member-owners.
No. The combined credit union will continue to serve all of the organizations, companies, and communities we currently serve. It will also provide credit union Membership opportunities to new communities and Members that we have been unable to serve in the past.
We have completed due diligence to make sure this merger provides Barstow Community Credit Union Members with significant benefits above and beyond what they have today. We have also received approval from our regulators. We have begun to integrate the operations of the two credit unions, and aim to complete the merger by the end of the year. We will keep you updated on our progress over the coming months.

About Frontwave Credit Union

Established in 1952, Frontwave currently holds over $1.2 billion in assets and serves more than 118,000 members with 14 branch locations throughout San Bernardino, Riverside and San Diego Counties.
Yes, Frontwave Credit Union is successful, strong and financially sound. Our net worth ratio exceeds regulatory requirements to qualify as well capitalized, and we have avoided high-risk activities, such as sub-prime mortgage lending. Check out our 2021 Annual Report for additional details.
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About My Account

Yes. Your accounts will remain safe, sound and federally insured through the National Credit Union Share Insurance Fund, a U.S. Government Agency, just as they are today.
No, you will not need to open a new account. As we integrate our systems, all existing Barstow Community Credit Union accounts will automatically be migrated onto Frontwave’s system. We will work hard to make the integration as seamless as possible so you may continue to conduct business as you always have.
Yes, while your account number will change, we have taken steps to make it as easy as possible to remember.
You will begin to receive information when we get closer to system integration. In the meantime, you can continue to use your Barstow Community Credit Union account(s) as usual.
Yes, the current products that you enjoy at Barstow Community Credit Union are also available at Frontwave. You’ll be provided with more information as we combine the two credit unions.
Your joint owner and beneficiaries will remain the same and transfer over to your new Frontwave account, provided we have the necessary documentation on file.

About My Banking Services

Your current BCCU direct deposits will be redirected to your Frontwave account.
You will able to continue to use your Barstow Community Credit Union’s checks until December 31, 2023. If you would like to order new checks for your Frontwave account, swing by the Frontwave Barstow branch or contact a Merger Specialist.  Frontwave will be happy to pay for your first set of Frontwave branded checks.
All Frontwave Members are encouraged to use Online and Mobile Banking to help them manage their accounts. You’ll receiving instructions on signing up for Online/Mobile Banking once your account is Frontwave account is officially opened.
Unfortunately, no. We are unable to import your Bill Payments.  We know if can be challenging to set them up again that’s why we have created this guide to make it as easy as possible.
We are happy to provide copies of your previous Barstow Community Credit Union statements, check copies and tax documents.  You may send your request using our convenient Online Banking Secured Message Center, call our Member Solutions Center at 800.736.4500, or stop by the branch.


What if I still have questions?

We’re here to help! Please don’t hesitate to email us at [email protected] if have any questions about this partnership and what it means to you. (Please do not send personal or financial information, including social security and account numbers, via email.)