Checking
Your Money, Your Rules. Bank Your Way!
Managing life’s chaos just got easier with a Frontwave Credit Union checking account that works as hard as you do. No hidden fees, no hassles—just the perks that matter, like fee-free ATMs and Online and Mobile Banking tools you’ll love.
Banking should simplify your life, not complicate it. Whether you want to keep things simple, earn dividends or give your teen a financial head start, our checking accounts are designed to fit your life. Plus, helping strengthen the communities we serve? That’s just how we roll.
Your funds are federally insured by the NCUA, so you can bank with confidence while partnering with a credit union that puts people first. Ready to bank with purpose?
Why Choose Frontwave Checking?
Banking shouldn’t be boring or complicated. Here’s why our checking accounts stand out:
- No Hidden Fees, No Minimum Balance: Keep more of your money for what matters most
- Easy Access, Anytime, Anywhere: Online & Mobile Banking and 30,000+ fee-free ATMs
- Overdraft Protection for Peace of Mind: Protect your account with optional Courtesy Pay overdraft protection
Your Checking, Your Rules
Finding the right checking account shouldn’t be a hassle. Whether you want everyday simplicity, a way to help your teen manage money, or an account that works as hard as you do, we’ve got options that fit your life.
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| About this Account | No fees. No stress. Everyday banking made simple with tools to make life easier. | Teach money smarts with no eye rolls. And parental controls keep everyone happy (ish). | Earn competitive rates and let your money hustle for you. |
| Best For | Everyday banking with no fees. | Parents and teens building money smarts together. | Earning interest while staying flexible. |
| Monthly Fee | $0 | $0 | $5 (Waived with a daily balance of $1,500 or for members 55 and older) |
| Interest Earned | No | No | Yes, see our current rates |
| Minimum Balance | $0 | $0 | $0 |
| Free Visa® Debit Card | Yes | Yes | Yes |
| Online and Mobile Banking | Yes | Yes | Yes |
| Access to 30,000+ fee-free ATMs | Yes | Yes | Yes |
| Mobile Check Deposit | Yes | No | Yes |
| Courtesy Pay Overdraft Protection* | Yes | No | Yes |
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| About this Account | No fees. No stress. Everyday banking made simple with tools to make life easier. |
| Best For | Everyday banking with no fees. |
| Monthly Fee | $0 |
| Interest Earned | No |
| Minimum Balance | $0 |
| Free Visa® Debit Card | Yes |
| Online and Mobile Banking | Yes |
| Access to 30,000+ fee-free ATMs | Yes |
| Mobile Check Deposit | Yes |
| Courtesy Pay Overdraft Protection* | Yes |
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| About this Account | Teach money smarts with no eye rolls. And parental controls keep everyone happy (ish). |
| Best For | Parents and teens building money smarts together. |
| Monthly Fee | $0 |
| Interest Earned | No |
| Minimum Balance | $0 |
| Free Visa® Debit Card | Yes |
| Online and Mobile Banking | Yes |
| Access to 30,000+ fee-free ATMs | Yes |
| Mobile Check Deposit | No |
| Courtesy Pay Overdraft Protection* | No |
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| About this Account | Earn competitive rates and let your money hustle for you. |
| Best For | Earning interest while staying flexible. |
| Monthly Fee | $5 (Waived with a daily balance of $1,500 or for members 55 and older) |
| Interest Earned | Yes, see our current rates |
| Minimum Balance | $0 |
| Free Visa® Debit Card | Yes |
| Online and Mobile Banking | Yes |
| Access to 30,000+ fee-free ATMs | Yes |
| Mobile Check Deposit | Yes |
| Courtesy Pay Overdraft Protection* | Yes |
*Overdrafts may happen with checks, Automated Clearing House (ACH) payments, ATM withdrawals, transfers, bill payments, debit card payments and other electronic payments. There is no Overdraft Fee if your account is overdrawn by less than $20. If your account has a single or aggregate dollar amount of overdrafts totaling more than $20.00, it will be charged a $20.00 Overdraft Fee for each occurrence up to a maximum of five (5) per day. The payment of any transaction into overdraft remains a discretionary decision of Frontwave Credit Union and we reserve the right not to pay. For example, we typically do not pay these items if your account is overdrawn or if you have had excessive overdrafts. If Frontwave declines to pay an overdraft, the check/ACH will be returned and will also be subject to standard Non-Sufficient Fund Fees in accordance with Frontwave’s Schedule of Fees and Charges. Overdraft services will be terminated if the overdraft is not repaid within 30 days of the occurrence. Other terms and conditions apply. Membership qualifications apply.
- Free Visa debit card
- Access to Online and Mobile Banking
- Free Bill Pay
- Nationwide ATM access