Big Change? Small Update? We Make It Easy.
Need to update your address, reorder checks or make account changes? No hoops, no hassle—just quick, clear steps to get it done.
How to Use This Page: Click or tap on any topic below to expand the section and see details. Need something else? Click again to collapse it and move on.
No clutter, no scrolling—just quick answers when you need them.
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
- Download the Direct Deposit Form
- Fill it out with your Frontwave account details
- 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
How to Transfer Money
Transferring funds between your Frontwave accounts is quick and easy with Online and Mobile Banking.
On Mobile:
- Open the menu in the top left
- Select Transfers
- Choose your accounts and amount, then confirm
On Desktop:
- Click the Transfers widget in the left menu
- Choose Quick Transfer for a simple transfer or Classic Transfer for more options
- 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
How to Receive a Wire Transfer
To receive a wire transfer from a U.S. financial institution, give the sender these details:
- 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: We process wires Monday–Friday before 2:00 p.m. PST. Transfers sent after this time process the next business day.
- Same-Day Transfers: Ask the sending institution to submit the wire early to avoid delays.
- Incoming Wires: We credit your account as soon as we receive and verify the funds.
⚠️ Protect Yourself from Wire Fraud
Never trust wiring instructions sent by email. Cybercriminals hack email accounts and send fake, convincing wiring instructions. Always:
✔️ Verify wire instructions in person or by calling a trusted, verified phone number
✔️ Double-check before sending money—never assume instructions are correct
✔️ Be wary of last-minute changes—fraudsters often alter details at the last minute
If you need help or want to verify wire details, 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
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.
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, enter your details, then enter your co-applicant’s information.
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
- Visit Harland Clarke’s OrderMyChecks.com
- Enter Frontwave’s routing number (322274925), your account number and your ZIP code
- 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.
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
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
All you need is your member/account number and access code. If you don’t remember your access code or need to set up a new one, 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
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 to get started.
For more details, view the full Courtesy Pay disclosure
Convenient & easy access to my account online.
— Naomi P., Temecula, CA