Get Paid Faster with Direct Deposit

Skip the trip to the branch and get your paycheck, Social Security or pension funds deposited automatically into your Frontwave account. Direct deposit is the fastest, safest and most convenient way to access your money—no waiting, no paper checks, no hassle.

How to Set Up Direct Deposit

1. Download the Direct Deposit Form
2. Fill it out with your Frontwave account details
3. Submit it to your HR department or the federal agency handling your benefits

That’s it! Once set up, your money will be deposited automatically and on time, every time

Download Direct Deposit Form

How to Transfer Money

Transferring funds between your Frontwave accounts is quick and easy with Online and Mobile Banking.

On Mobile:

1. Open the menu in the top left
2. Select Transfers
3. Choose your accounts and amount, then confirm

On Desktop:

1. Click the Transfers widget in the left menu
2. Choose Quick Transfer for a simple transfer or Classic Transfer for more options
3. Follow the prompts to complete your transfer

For more details, click the Help button in the top right corner.

Need to Transfer by Phone?

Call our Member Solution Center during business hours:

• Local and International: 760.631.8700
• Domestic Toll-Free: 800.736.4500

Hours: Monday–Friday 7 a.m. – 6 p.m. PT Saturday 9 a.m. – 4 p.m. PT

Wire Transfers

Whether you're sending money across town or across the country, Frontwave makes wire transfers fast, secure and hassle-free.

• Same-day transfers: Submit by 1 p.m. for processing that same business day
• Emergency funds: Send or receive money fast when it matters most
• Payment flexibility: Use for loan payments, business deals or personal transfers
• Fees: $25 to send, $0 to receive

How to Send a Wire Transfer

Need to send money fast? Follow these steps to ensure a smooth, secure transfer:

1. Gather the recipient’s information:

Bank name and ABA/routing number
Account number
Full name and address

2. Visit a Frontwave branch or call 800.736.4500 to initiate the wire.
3. Submit your request before 2:00 p.m. PST for same-day processing

How to Receive a Wire Transfer

Provide the sender with these details to receive a wire from a U.S. financial institution:

• Receiving Institution: Frontwave Credit Union
• ABA/Routing Number: 322274925
• Phone Number: 800.736.4500
• For Final Credit To: Your name and Frontwave member number

Important Wire Transfer Details

• Processing Times: Wires are processed Monday–Friday before 2:00 p.m. PST. Transfers sent after this time will process the next business day.
• Same-Day Transfers: Ask the sending institution to submit the wire early to avoid delays.
• Incoming Wires: Funds are credited to your account as soon as they are received and verified.

⚠️ Protect Yourself from Wire Fraud

Wire fraud is on the rise—always verify wiring instructions before sending money. Cybercriminals hack emails and send fake but convincing wire details. Protect yourself by following these steps:
✔ Verify wire instructions in person or by calling a trusted number
✔ Double-check details before sending—never assume instructions are correct
✔ Be cautious of last-minute changes—fraudsters often alter wire details at the last minute

Need Help? Contact Us.

If you need assistance or want to verify wire details, call our Member Solution Center during business hours:

• Local & International: 760.631.8700
• Domestic Toll-Free: 800.736.4500
• Hours: Monday–Friday 7 a.m. – 6 p.m. PT | Saturday 9 a.m. – 4 p.m. PT

Update Your Name or Address

Keeping your account details current ensures you receive important notifications and keeps your access secure.

How to Update Your Address

• Call our Member Solution Center at 800.736.4500
• Visit a Frontwave branch with a valid photo ID
• Send a secure message through Online Banking

How to Update Your Name

For security reasons, you must visit a branch in person. Bring:

• A government-issued photo ID with your new name
• Legal documentation such as a marriage certificate, divorce decree or court order

Need Help?

Stop by a branch or call our Member Solution Center during business hours:

• Local and International: 760.631.8700
• Domestic Toll-Free: 800.736.4500

Hours: Monday–Friday 7 a.m. – 6 p.m. PT Saturday 9 a.m. – 4 p.m. PT

Add a Joint Account Owner

Need to add someone to your Frontwave account? It only takes a few minutes using our online membership application form. At this time, this feature is not available through Online Banking.

Take Me To The Form

Form Tips for a Smooth Process

Eligibility

• Under "I qualify for membership," select "I am an existing member of Frontwave Credit Union."

Product Selection

• Choose the accounts or products you want to add your joint owner to.

Contact Information

• First, you'll enter your details (primary member), then you'll be prompted to add the joint applicant's information after.

Beneficiaries (Optional)

• You can add beneficiaries to your membership.
• Just provide the beneficiary’s name and the percentage of funds they should receive.

Joint Owner

• Select "Yes" to designate the person as a Joint Account Owner.

Need Help?

Stop by a branch or call our Member Solution Center during business hours:

• Local and International: 760.631.8700
• Domestic Toll-Free: 800.736.4500

Hours: Monday–Friday 7 a.m. – 6 p.m. PT, Saturday 9 a.m. – 4 p.m. PT

Order Checks Quickly and Securely

Running low on checks? Reorder hassle-free through our trusted partner, Harland Clarke. Whether you need personal checks, business checks or deposit slips, ordering is simple and secure.

How to Order Checks Online

1. Visit Harland Clarke’s OrderMyChecks.com
2. Enter Frontwave’s routing number (322274925), your account number and your ZIP code
3. Follow the prompts to select your checks and complete your order

What to Know Before Ordering

• First-time orders: Some members must place their first order directly with Frontwave. Contact us to check your status.
• Reorders: If you’ve ordered checks within the last three years, you can reorder online. Otherwise, start a new order through the product catalog on OrderMyChecks.com.
• Payment: The cost for checks is $40 and is automatically deducted from your checking account.
• Delivery: Orders print in 1-2 business days. Standard shipping takes 7-10 days, with expedited options available.

Order New Checks

Check Your Loan Status Anytime

Waiting on a loan decision? Skip the guesswork and check your application status anytime. No phone calls, no waiting—just real-time updates when you need them.

• See where your application stands
• Review next steps or any required documents
• Get notified as soon as a decision is made

Check My Loan Status

Express Line: 24/7 Banking, No Internet Needed

Can’t get online? No problem. Express Line Telephone Banking gives you fast, secure access to your accounts anytime—no internet, no waiting, no hassle.

• Toll-Free:829.7676
• Local & International:631.8799
• Bill Pay Support:699.2102

What You Can Do with Express Line

• Check account balances in seconds
• View deposit and withdrawal history anytime
• See if a check has cleared before writing another
• Get savings and loan rate info without searching online
• Transfer funds between accounts instantly
• Request a check withdrawal mailed to you
• Make loan payments on the spot
• Change your access code for extra security
• Stop payments on checks before they process
• Report a lost or stolen card immediately

Call now and take control of your banking—whenever, wherever.

How to Access Express Line

• Local and International: 760.631.8700
• Domestic Toll-Free: 800.736.4500

Members Solution Center Hours:

• Monday–Friday: 7 a.m. – 6 p.m. PT 
• Saturday: 9 a.m. – 4 p.m. PT

Branch Hours:

• Monday–Friday: 9 a.m. – 6 p.m. PT 
• Saturday: 9 a.m. – 4 p.m. PT

Power of Attorney (POA) Account Access

To grant someone access to a Frontwave Credit Union account under a Power of Attorney (POA), we must have the POA document on file. You can submit it by:

• Mail: Frontwave Credit Union, 1278 Rocky Point Dr, Oceanside, CA 92056
• Fax: 877.789.7628
• In Person: Visit any Frontwave branch

Processing & Verification

POA verification takes 48 to 72 business hours. Once approved, the attorney-in-fact will be able to access the account as authorized.

Courtesy Pay: Overdraft Protection When You Need It

Life happens, and sometimes your account balance doesn't match your plans. Courtesy Pay helps cover certain transactions when you don’t have enough funds, so you can avoid declined payments and extra hassle.

What Courtesy Pay Covers

• Checks and automatic bill payments
• Recurring debit transactions
• Everyday debit card purchases (with opt-in)

How to Enroll

To activate Courtesy Pay for everyday debit card purchases, you must opt-in. Download, complete and submit the Courtesy Pay form by dropping off at a local branch or faxing to 877.789.7628.

Download Courtesy Pay Form