P2P (Person-to-Person) Payments

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

  1. Login to your Online Banking account, and click on the “Send Money” link in the menu.
  2. Click or tap on the "Person" tab and the "Add Contact" button to start adding contacts.
  3. You’ll be asked to verify your identity using Multifactor Authentication (MFA) before proceeding.
  4. 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.
  5. You can also select to receive alerts for when the payment has been sent and/or delivered, and choose how you would like to recieve the alerts (email or mobile associated with your online banking profile).

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 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.
  1. Login to your Online Banking account and click on “Send Money.”
  2. Click on the "Activity" tab (top of the page on desktop, bottom of the page on mobile devices)
  3. On desktop devices, click on the the name of the recipient in the "Scheduled Transactions" list that you want to cancel or change and then click on the pencil icon locate in the top-right corner of the box to review, edit or cancel the payment.
  4. On mobile devices, click on the pencil icon next to the name of the recipient in the "Scheduled Transactions" list to review, edit, or cancel the payment.
  5. To edit a payment, click on the details you want to change, then click the "save changes" button.
  6. To cancel a payment, click on the "Delete Payment" button (for single payments") or "Delete All Payments" if you want to cancel all recurring payments to the recipient, then click to confirm and you're done!

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.
  1. Login to your Online Banking account and click on “Send Money.”
  2. Click on the "Activity" tab (top of the page on desktop, bottom of the page on mobile devices)
  3. On desktop devices, click on the the name of the recipient in the "Scheduled Transactions" list that you want to cancel or change and then click on the pencil icon locate in the top-right corner of the box to review, edit or cancel the payment.
  4. On mobile devices, click on the pencil icon next to the name of the recipient in the "Scheduled Transactions" list to review, edit, or cancel the payment.
  5. To edit a payment, click on the details you want to change, then click the "save changes" button.
  6. To cancel a payment, click on the "Delete Payment" button (for single payments") or "Delete All Payments" if you want to cancel all recurring payments to the recipient, then click to confirm and you're done!

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).
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 >