Real people. Real support.

24/7 help from Penny, our AI Assistant.

Help When You Need It, How You Want It

Whether you need quick answers or personalized support, we're here to help. Penny, our AI assistant, is available 24/7 to help you check balances, review transactions, transfer money, and more—online or by phone.

If you'd rather speak with a person, simply ask Penny to connect you with a live agent during business hours. Our Member Solution Center and branch teams are ready to provide the personalized service and guidance you deserve.

  • Member Support:
  • Bill Pay Support:
  • ABA / Routing Number:

    322274925

  • Fax:

    877.789.7628

  • Mailing Address:

    Frontwave Credit Union; 1278 Rocky Point Drive; Oceanside, CA 92056

  • Operating Hours:

    Mon–Fri: 7AM – 6PM PT
    Sat: 9AM – 4PM PT

Visa® Cardholder Support

Get 24/7 support for your Visa Credit Card, Visa Debit Card, or ATM Card, including: card activation and PIN setup, lost or stolen cards, digital wallet support, and card disputes. 

Domestic Toll-Free
866.309.4934 

Outside the U.S.
303.967.1096 

Secure Communication

For account-related questions, protect your information. Do not share sensitive details through email or unsecured channels.

Send a Secure Message
Login to Digital Banking and use the Message Center for secure, encrypted communication. 

Call Us
Talk to our Member Solution Center at 800.736.4500.

Get $350* When You Switch!

  

  • Open Your Accounts
    Setup Checking and Savings accounts with e-statements on the same day.
  • Set Up Direct Deposit
    Start a $1,000+ monthly direct deposit within your first 90 days.
  • Get Rewarded
    We'll drop $350 into your savings once you qualify. Simple as that.

No Hoops. No Hassle. Just $350 to Prove We’re Worth It.

Disclaimers

* Important Information and Disclosures

How to qualify: To receive the $350 bonus, open new Frontwave Checking and Savings accounts within the same day (subject to approval), enroll in e-statements, and set up recurring external direct deposits or ACH transfers totaling $1,000 or more. The $1,000 must post within a single calendar month and within 90 days of account opening. (Example: Two $500 paychecks within the same month qualifies.) Transfers between Frontwave accounts do not qualify. 

How you get paid: Bonus will be deposited into your Frontwave Savings account within 120 days if requirements are met and accounts remain in good standing.

Who’s eligible: Offer available to new Frontwave members age 18 or older who live, work, worship, or attend school in San Diego, Riverside, Imperial or San Bernardino counties, or who qualify through a Select Employer Group (SEG) or military affiliation. Not available to employees, volunteers, or anyone who has had a Frontwave account closed within the past 18 months. Limit one bonus per person.

Other important info: Offer effective as of August 1, 2025, and may change or end without notice. A 1099-INT will be issued for tax reporting purposes.

Heads up, gig workers: To qualify, your deposits must come through as standard direct deposit or ACH into your Frontwave bank account. Transfers from a debit card or wallet (like PayPal or DasherDirect) do not count.