Person-to-Person (P2P) Payments
Person-to-Person (P2P) Payments are a digital alternative to cash and make sending and receiving money as easy as emailing and texting. Whether it’s repaying family and friends, paying allowance, splitting the check, or sending a birthday gift, P2P has you covered.
P2P Fraud Alert: The real Frontwave Fraud Team will never ask you for personal financial information or send you a text or email with a code you need to verify. For more information about common phishing scams, check out our infographic: "5 Ways Scammers Try to Steal Your Information."
How to Add Contacts
- Login to your Online Banking account, click on “Transfer & Bill Pay” and then “Send Money.”
- Click or tap on the "Pay A Person" tab and the "+" icon to start adding contacts.
- You’ll be asked to verify your identity using Multifactor Authentication (MFA) before proceeding.
- Make sure you have the following information for each contact you want to add:
- First Name
- Last Name
- Mobile number or email address of contact
- A security question that only you and the contact know the answer to.
NOTE: For your security, you will be asked to verify your identity using MFA before adding the first contact. All contacts you add within the same session will not require additional verification.
How to Set Up Alerts
- To receive alerts for payments that have been sent and/or delivered,tap on the “Settings” icon and then “Pay A Person”. Choose the alerts you would like to receive, how far in advance you would like to receive the alerts, and how you would like to receive them (email or text).
How to Review, Change or Cancel a P2P Payment
NOTE: Only payments that are still pending can be modified in any way. Once the payment is in the "transaction history" the payment has been accepted by the recipient and cannot be cancelled or changed.- Login to your Online Banking account, click on “Transfer & Bill Pay” and then “Send Money.”
- Click on the "Activity" tab.
- Click or tap on the name of the recipient in the “Scheduled Transactions” list that you want to cancel or change and then click on either “Delete” or “Edit”.
- To edit a payment, click or tap on “Edit”. Edit the information you need to change, then click or tap on “Save Changes.”
- To cancel a payment, click or tap on “Delete”. If the payment is reoccurring, you will be asked to delete “All Events” or “This Event.”
How to Send a P2P Payment
- Login to your Online Banking account, click on “Transfer & Bill Pay” and then “Send Money.”
- From the “Pay A Person” tab select the contact you would like to pay.
- You can select “Repeats” to set up recurring payments. Choose from several different repeat options.
- You can select "more payment options" to set up recurring payments and optional alerts for when the payment is sent and delivered.
- Click the the "Pay $X.XX" button at the bottom of the screen to confirm the payment.
That’s it – payment sent! The recipient will receive a notification at the email address or mobile phone number you provided with instructions on how to obtain their funds.
Frequently Asked Questions
No, it’s FREE! The person you send money to doesn’t have to pay a fee either, and receives full amount you send. Standard message and data rates may apply when using mobile device.
No, your payment will be made from your Frontwave checking account.
The first time you pay someone the funds will be removed immediately upon acceptance of the funds (if payment was initiated prior to 5:00 pm Pacific Time, or the next business day (if the contact accepted the funds after 5:00 pm Pacific Time). After that, the money will be removed immediately( if the payment was initiated prior to 5:00 pm Pacific Time), or the next business day (if they payment was sent after 5:00 pm Pacific Time).
The contact will receive a notification via email or text message to the address or mobile number you specified. The message will include payment information and a secure link to collect the funds. Before they can accept the money, they will have to answer a security question that you have set up on your side that only you and the contact know the answer to. This will protect you from having the payment accepted by someone you don't know, in case you entered their email or phone number incorrectly.
Once the contact has answered the security question, they can accept the money with their debit card (for real-time payment), or by entering their bank account routing and account numbers (for next-day ACH payment).
Once the contact has answered the security question, they can accept the money with their debit card (for real-time payment), or by entering their bank account routing and account numbers (for next-day ACH payment).
Some financial institutions may restrict people from using their debit cards to collect P2P funds. If this happens, the contact will be prompted to enter a different debit card number. Alternatively, they can provide their checking or savings account information.
If the contact chooses to collect the money via debit card, the money will be available to them immediately. Otherwise, the transaction will be processed via the Automated Clearing House (ACH) network, and the money will be available in 1 to 3 business days, depending on their financial institution’s process.
No. The best part about P2P payments is that you can send money to anyone using just their email address or mobile phone number!
It depends. If the payment has not yet been “Received” (claimed) by the person you sent it to, then yes, you can cancel it. But if the payment has already been claimed, you won’t be able to cancel or reverse it.
The contact has 7 days to collect the money. They will receive text and email reminders 3 days and 5 days after the money was sent. If the money is not collected in 7 days, you will be notified and the funds will be credited back to your account.
Yes, you can transfer up to $300.00 in one day, up to $750 total payments in one week, and up to $1,500 in total payments in one month. We may modify the amount and frequency of transfers at any time for security reasons or due to account activity.
Yes! Money is sent securely using just an email address or phone number. Plus, P2P is built into our Online & Mobile Banking platforms, which include many security features designed to protect your financial information.
Just remember - even though the connection is secure, you should never share your private Online/Mobile Banking login, password or security codes with anyone. Frontwave will NEVER call you to ask for this information! For more information about common phishing scams, visit this page >
Just remember - even though the connection is secure, you should never share your private Online/Mobile Banking login, password or security codes with anyone. Frontwave will NEVER call you to ask for this information! For more information about common phishing scams, visit this page >