Member Updates: For information on Member health & safety, economic impact payments and modified branch hours and access, click here.

Fraud Alert: With fraud on the rise, remember that Frontwave will never email, call, or text our members and ask for personal information or account information. Learn more >

Member Updates: For information on Member health & safety, economic impact payments and modified branch hours and access, click here.

Fraud Alert: With fraud on the rise, remember that Frontwave will never email, call, or text our members and ask for personal information or account information. Learn more >

Person-to-Person (P2P) 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 Send a P2P Payment

  1. Login to your online banking account, and click on “Send Money.” If you don’t see the “Send Money” button on your dashboard, click on “More….” This will bring up another menu, where you will find the “Send Money” button.

  2. On the next screen, click the button that reads “Launch Acculynk P2P Payment.” If you have never used this feature before, you will then be prompted to agree to a disclosure.

  3. ​ Once you click "agree," you’ll be asked to verify your identity using Multifactor Authentication (MFA) before settin up the first transafer. After completing this step, you will be redirected to the “Send Money” page.

  4. Once on the “Send Money” page, fill out the details requested. Begin by entering either the email address or mobile phone number for the person you wish to send money to in the “About Your Recipient” section. You’ll need to enter this twice for confirmation. Next, in the “About Your Payment” field, enter the amount your wish to transfer. You can also add an optional memo, for example, noting what the payment is for. In the final “About Your Account” section, enter your Frontwave debit card number and expiration date (both month and year).

  5. When finished entering your payment details, check the box at the bottom of the page to indicate you agree to the terms of service, then click “Send.”

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.

NOTE: For your security, you'll be asked to verify your identity before completing your first P2P transaction each time you log in to online or mobile banking. All P2P transactions within the same session will not require additional verification.
Digital banking screenshot: Login and click on Send Money

How to Cancel a P2P Payment

  1. Login to your online banking account and click on “Send Money.” If you don’t see the “Send Money” button on your dashboard, click on “More….” This will bring up another menu, where you will find the “Send Money” button.

  2. On the next screen, click the button that reads “Launch Acculynk P2P Payment.”

  3. On the “Send Money” page, click on the “Menu” button that appears at the top, then select “Transaction History.”

  4. In your “Transaction History,” locate the “Pending” payment you wish to cancel, then click “Cancel” under the “Actions” heading. Note this option will only be available to you if the payment hasn’t been claimed by the recipient yet. If the payment has already been claimed (Status: “Received”), it cannot be canceled.

Digital banking screenshot: Click on 'Menu' to view pending payments in your transaction history Digital banking screenshot: Locate your Pending payment and click Cancel

How to Add Contacts

If you plan to use P2P payments to regularly send certain people money, you may want to add them to your contacts list. This will make it easier to quickly send your payments, without having to enter their email address or mobile phone number each time. To add a contact:

  1. Login to your online banking account and click on “Send Money.” If you don’t see the “Send Money” button on your dashboard, click on “More….” This will bring up another menu, where you will find the “Send Money” button.

  2. On the next screen, click the button that reads “Launch Acculynk P2P Payment.”

  3. On the “Send Money” page, click on the “Menu” button that appears at the top, then select “Manage Contacts.” 

  4. On the “Manage Contacts” screen, click on “Add New Recipient Contact.”

  5. On the next screen that pops up, fill in the person’s name, email address and/or mobile phone number, then click “Add Contact” to save their information.

Digital banking screenshot: Click on Menu, then select Manage Contacts

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.

You can send money using the P2P feature in the app. It’s similar to the process described above.                                                                                                
Note, however, that the “Menu” button isn’t accessible from the “Send Money” page in the app, so if you would like to cancel a payment or update any information, you will need to login through Online Banking on our website.

No, you must use your Frontwave debit card when sending a P2P payment.

Yes. Similar to an ATM withdrawal, funds are immediately debited from your account.

Money sent via P2P payment will appear as:  Withdrawal POS Oceanside CA FRONTWAVE CREDIT UNION.

The person 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. When the person clicks on the secure link, they will be prompted to enter their debit card number or bank account information to get the money. No registration or login is required.

Some financial intuitions may restrict people from using their debit cards to collect P2P funds. If this happens, the recipient will be prompted to enter a different debit card number. Alternatively, they can provide their checking or savings account information.

If the recipient chooses to collect the funds via debit card, the funds will be available to them immediately. Otherwise, the transaction will be processed via the Automated Clearing House (ACH) network, and the funds 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.

P2P payments are debited from your account immediately. The recipient has 10 days to collect the money. If the money is not collected in 10 days, you will be notified and the funds will be credited back to your account within 1-2 business days.
Yes, you can transfer up to $300.00 in one day. 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 >
Acculynk is the company that we’ve partnered with to bring you the P2P payment feature, and Payzur is their secure technology that enables payments to be sent and received in just seconds from your Frontwave Online Banking account.

Ready to get started?

Download the Frontwave mobile app to your Apple or Android device today.

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