Make a Loan Payment

From a browser:

1. Log in to Digital Banking.
2. From Accounts, click on your loan or click Paynext to it. 
   • Note: Clicking Pay takes you directly to the Transfers page
3. If you selected your loan, click on Pay Now.
4. Select where you want to pay from in the From Account dropdown.
5. Enter your payment amount.
6. Add an optional memo
7. Click Review Transfer and Submit.

From the Mobile App:

1. Open the Frontwave Mobile App.
2. Tap Move Money.
3. Tap Standard Transfer.
4. Under Account, select the From Account (where the payment is coming from).
5. Then select your loan in To Account. 
6. Enter your payment amount in How Much.
7. Under When, chose your payment Frequency and Date.
8. Select Review Transfer.
9. Tap Submit Transfer if everything looks good to go. 

From a browser:

1. Log in to Digital Banking.
2. From Accounts, click on your loan or click Pay next to it. 
   • Note: Clicking Pay takes you directly to the Transfers page
3. If you selected your loan, click on Pay Now.
4. Select where you want to pay from in the From Account dropdown.
5. Enter your payment amount.
   • Select Regular Payment to make your minimum payment.
   • Select Other to pay more than the minimum amount.
6. Select the payment frequency in the Frequency dropdown.
   • Never: Continues until the loan is paid off.
   • On Date: Ends on a selected date.
   • Occurrences: Ends after a selected number of payments.
7. Select the payment date.
8. Select when to end payments
9. Add an optional memo
10. Click Review Transfer and Submit.

From the Mobile App:

1. Open the Frontwave Mobile App.
2. Tap Move Money.
3. Tap Standard Transfer.
4. Under Account, select the From Account (where the payment is coming from0.
5. Then select your loan in To Account. 
6. Enter your payment amount in How Much.
7. Under When, chose your payment Frequency, Date and when the Series Ends.
8. Select Review Transfer.
9. Tap Submit Transfer if everything looks good to go. 

If you have already added an external account, it will appear as a payment option in the From Account dropdown. The steps below are for adding a new external account.

From a browser:

1. Log in to Digital Banking.
2. From Accounts, click on your loan or click Pay next to it. 
   • Note: Clicking Pay takes you directly to the Transfers page
3. If you selected your loan, click on Pay Now.
4. Select Add Account from the From Account dropdown.
5. You now have two options:
   • Instantly Add Account: Sign in securely with your external bank credentials to use the account right away. Note: Your login credentials are encrypted and never stored by Frontwave.
   • Manually Add Account: Enter your account and routing numbers. You’ll receive two small trial deposits in your external account within 2–3 business days. Once they appear, log in to Digital Banking and confirm the amounts to activate the account.

After adding your external account, return to the Transfers screen to complete your payment.

From the Mobile App:

1. Open the Frontwave Mobile App.
2. Tap Move Money.
3. Tap External Accounts.
4. You now have two options:
   • Instantly Add Account: Sign in securely with your external bank credentials to use the account right away. Note: Your login credentials are encrypted and never stored by Frontwave.
   • Manually Add Account: Enter your account and routing numbers. You’ll receive two small trial deposits in your external account within 2–3 business days. Once they appear, log in to Digital Banking and confirm the amounts to activate the account.

After adding your external account, return to the Transfers screen to complete your payment.

IMPORTANT: External transfers may take 1–3 business days to post.

IMPORTANT: You have three attempts to enter the correct trial deposit amounts. After three failed attempts, the account must be re-added.

Want to review or change upcoming automatic payments?

From a browser:

1. Log in to Digital Banking.
2. Select your loan from Accounts.
3. Choose Pay Now.
4. Select Scheduled.
5. Select the transfer you want to edit, then select Edit Series.
6. Make the necessary edits.
7. Confirm and Submit.

From the Mobile App:

1. Open the Frontwave Mobile App.
2. Tap Move Money.
3. Tap Scheduled
4. Select Transfers to view scheduled loan payments.
5. Chose the transfer you want to edit, the select Edit Series.
6. Make your edits. 
7. Confirm and Submit.

Need to confirm a payment posted?

From a browser:

1. Log in to Digital Banking.
2. Select your loan from Accounts.
3. Transactions will list all your payment activity.

From the Mobile App:

1. Open the Frontwave Mobile App.
2. Tap Move Money.
3. Tap History.
4. Select Transfers to view completed loan payments.

Make a one-time loan payment using any of these options.

• Pay by Phone: Call 800.736.4500 to make a one-time loan payment with a team member.
• Pay in Branch: Visit any Frontwave branch to make a payment in person by cash or check.
• Pay by Mail: Send a check or money order (no cash) using the payment coupon from your statement or coupon book to:
  • Frontwave Credit Union
    Attn: Loan Payment Processing
    1278 Rocky Point Dr
    Oceanside, CA 92056
  • IMPORTANT: Mailed payments may take several days to post. Mail your payment early to avoid late fees.
• Pay at a Shared Branch: Visit one of 5,000+ credit unions nationwide to make a payment. Find a Shared Branch.
  

Set up automatic payments outside of Digital Banking.

• Payroll Deduction: Have payments sent straight to your loan from your paycheck.
• Set Up by Phone: Call 800.736.4500 and we’ll set up recurring payments for you.
• Set Up in Branch: Visit any Frontwave branch and we’ll help you set up automatic payments in person.

EZ Pay lets you make same-day loan payments using a debit card or an account number and routing number. You can make a one-time payment without registering, or register to save your information for future payments.

IMPORTANT: Registration is required for saved payment access. Each payment has a $10 fee. A $1,500 limit applies per transaction, per loan, per day. Payments cannot be canceled once a tracking number is issued.

Only eligible to make payments on certain loans (Auto, Personal and Home Equity), lines of credit, credit cards and overdrawn accounts. 

MAKE A ONE-TIME PAYMENT

Use Express Pay to make a same-day payment without registering.

1. Visit EZ Pay online.
2. Select Express Pay.
3. Enter the required personal and account information.
4. Check the consent to Terms & Conditions box.
5. Click Continue with Express Pay

REGISTERING AN ACCOUNT

IMPORTANT: Registration is available only for the primary account holder.

Registering for EZ Pay lets you save your information for faster future payments. Set up EZ Pay online.

1. Log in to the EZ Pay portal.
2. Enter your username and password.
3. Select Make a Payment.
4. Choose the account you want to pay.
5. Enter or confirm your payment amount.
6. Select your saved debit or prepaid card or add a new card.
7. Review the details and submit your payment.

IMPORTANT: Once a tracking number is issued, the payment cannot be canceled or reversed. Comments entered in EZ Pay are for your personal reference only. Frontwave does not see them.

TROUBLE REGISTERING

It’s usually caused by an incorrect answer or formatting issue.

• Check your date format. If the system requires MM/DD/YYYY, entering M-D-YYYY will cause an error.
• Use the correct characters. If slashes (/) are required, dashes (-) will not work.
• If validation answers are entered incorrectly, registration may be locked for 24 hours.

Still need help? Call 800.736.4500 or visit a branch.

FORGOT USERNAME OR PASSWORD?

If you forget your username, you must re-register and create a new one. To reset your password, select Problems Logging In on the EZ Pay login page and follow the prompts.

LOGGED IN BUT CAN'T MAKE A PAYMENT?
This means:

• You do not have an eligible loan account, or
• You do not have a payment due on a Frontwave loan.

Eligibility Requirements

• Skip one loan payment per year if you qualify
• Eligible loans: Auto, RV, motorcycle and personal loans
• Must have an open deposit account with Frontwave
• Loan must be in good standing (no delinquencies in the past 12 months)

How to use Skip-a-Pay

1. Log in to your Online or Mobile Banking account.
2. Select "Manage Accounts" from the menu.
3. Choose "Skip-a-Pay" and follow the prompts.

Note: There is a $45 fee for using Skip-a-Pay

Need help? Call 800.736.4500 or visit a branch.