Debit
Advantage®

Protect what you buy. Coverage for eligible purchases that are damaged, stolen, or stop working within the first 90 days, plus extended warranty protection.

Protection Beyond the Purchase

Debit Advantage® is included with Frontwave Elite Checking and provides built-in buyer's protection and extended warranty coverage for eligible everyday purchases. Qualifying purchases may receive up to $2,500 per covered claim.1

Because sometimes the expensive part comes after checkout.

Buyer's Protection

For the "Are You Kidding Me?" Moments

The new grill gets damaged during the first cookout. The espresso machine hits the kitchen floor two weeks later. A new purchase gets stolen before you’ve even had time to really enjoy it.

Debit Advantage helps repair, replace, or reimburse eligible purchases made with Elite Checking for covered theft, accidental breakage, or fire damage during the first 90 days after purchase.

Extended Warranties

Because the Timing Is Always Terrible

Manufacturer warranties are great… until the TV goes black right after coverage ends or the fridge dies full of groceries. Debit Advantage helps protect against those perfectly timed breakdowns.

On qualifying purchases made through Elite Checking, eligible manufacturer warranties can be doubled for up to an additional year.

How do I protect my purchases?

Use your Frontwave debit card for qualifying purchases to unlock built-in buyer's protection and extended warranty coverage.

How do I see my benefits?

Log in to Digital Banking or the Frontwave mobile app and go to Manage Accounts > Elite Checking to view your included benefits and coverage.

Questions about your coverage?

Call the Benefit Administrator at 1.866.210.0361 for help with claims, coverage details, or eligible purchases.

Debit Advantage® Protection

Protection Beyond the Purchase

Your Frontwave Elite Checking account includes built-in protection for some of the things you buy every day. From covered theft and accidental damage shortly after purchase to extended warranty coverage on qualifying items, Debit Advantage® helps your purchases keep working long after checkout.

Watch Now

More Than Just Purchase Protection

Debit Advantage® is one of several built-in protections included with Elite Checking.2

  • Cell Phone Protection

    Covers stolen or damaged devices up to $400 per claim

  • Purchase Protection

    Added protection for eligible debit card purchases

  • Extended Warranties

    Extra coverage beyond standard manufacturer warranties.

  • ID Theft Protection

    Actively monitors for signs of identity theft

  • Financial Protection

    Up to $10,000 expense reimbursement if you get hit with identity theft

  • Private WiFi

    Encrypt your connection on public WiFi

  • Health Discounts

    24/7 Telehealth access; prescription, vision & dental discounts

  • Credit Monitoring

    Credit score updates, reports and planning tools4

Need Help? We’ve Got You.

Have questions about your benefits? Our team is here to walk you through registration or answer any questions.

  • Call Frontwave at 800.736.4500 or the Benefits Service Center at 866.210.0361.
  • Visit any Frontwave branch with a valid photo ID
  • Send a message in Digital Banking by going to Settings > Contact > Send Secure Message.
Disclaimers

¹ Debit Advantage® Benefit Information

Debit Advantage purchase protection and extended warranty coverage are subject to eligibility requirements, coverage limits, exclusions, and terms and conditions. Eligible purchases must be made entirely with your Elite Checking account for coverage to apply. No registration is required for Debit Advantage® coverage.

Buyer’s Protection applies during the first 90 days after purchase on eligible new purchases made entirely with your Elite Checking account. Coverage is limited to $2,500 per covered claim and $50,000 annually per account. Certain exclusions and limitations apply. Please refer to the Guide to Benefits for complete details.

Extended Warranty coverage may double eligible manufacturer warranties for up to an additional year on qualifying purchases made entirely with your Elite Checking account. Coverage is limited to $2,500 per covered claim and $50,000 annually per account. Certain exclusions and limitations apply. Please refer to the Guide to Benefits for complete details.

To file a claim or ask questions about coverage, call the Benefits Service Center at 866.210.0361. Claims should be reported within 45 days of the loss.

2 Additional Benefit Information

The benefit descriptions on this page are summaries only and do not include all terms, conditions, limitations, or exclusions. Certain benefits may require registration or activation. Benefit availability, eligibility requirements, coverage limits, and exclusions vary by benefit. Coverage limits, exclusions, eligibility requirements, and terms apply and may change without notice. Benefits and services are provided through third-party providers.

Please refer to the applicable Guide to Benefits and account disclosures for complete details of coverage and exclusions. Guides to Benefits are available through Frontwave Digital Banking, the Frontwave mobile app, or at elitechecking.frontwavecu.com.

Telehealth and health discount services are not insurance.

Insurance products are not insured by the NCUA or any government agency, are not deposits of the Credit Union, and are not guaranteed by Frontwave Credit Union or any affiliated entity.

Download our complete Checking Account Brochure for full details.