Know What’s Happening With Your Credit.

Your credit has a lot of power. It can affect what you pay to borrow, the car you drive and the home you can afford. You should know what’s on it before someone else does.

Check your credit score and report whenever you want.1 Get alerts when key changes hit your credit file. And before you make a big financial move, use the Credit Score Simulator2 to see what it could do to your score.

Daily monitoring3 also keeps watch when you’re not looking, so if something changes that you don’t recognize, you can get on it fast.

Because the time to know what’s on your credit report is before you need it.

See where you stand

Check your current credit score and pull an updated credit report when you want a closer look at what’s on your file.

Know when something changes

Your credit file is monitored daily for key changes, with email or text alerts so you can quickly check anything you don’t recognize.

See what could affect your score?

Use the Credit Score Simulator to see how paying down debt, opening an account or taking out a loan could affect your score.

How Do I Access My Credit Benefits?

Go to Manage Accounts > Elite Plus Checking in Frontwave Digital Banking to access your credit benefits, check your monitoring status and manage your benefits.

About Your Score

Your credit score is based on TransUnion data, and other lenders may use a different type of score when evaluating your creditworthiness.

Questions about your coverage?

Review the Guide to Benefit for complete coverage details and exclusions, or call 1.866.210.0361 for help.

Protect What Matters

Protect your identity with Elite Checking from Frontwave Credit Union. ID Protect® helps monitor for threats, alert you to suspicious activity and provide support if your identity is compromised. You’ll also have access to fraud recovery support and reimbursement benefits.

More Than Just Credit Monitorin

Credit Monitoring and Insights are two of several built-in benefits included with Elite and Elite Plus Checking.4

  • 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 Credit File Monitoring
Credit File Monitoring provides daily monitoring and automated alerts of key changes to your TransUnion credit report. Credit File Monitoring is automatically activated for eligible primary account owners age 18 or older, provided information is verified by the Credit Reporting Agency (CRA) and Credit File Monitoring has not previously been activated. Registration is required to verify activation and confirm information on file. Joint account owners and eligible family members must register to activate Credit File Monitoring. A unique email address is required to receive alerts. Credit File Monitoring may take several days to begin following activation. Mobile credit alerts are optional and mobile fees may apply.

² Credit Report, Score and Simulator
Registration and identity verification are required to access certain credit benefits. You will have access to your credit report and score provided the CRA verifies your information. The credit score is a single-bureau score based on TransUnion data. Third parties may use a different type of credit score to assess your creditworthiness.

³ Credit Score Tracker
Once Credit File Monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

⁴ 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.

Cell Phone Protection: Your wireless bill must be paid with your Elite Plus Checking account or Frontwave Credit Card.

Debit Advantage®: Purchases must be made with your Elite Plus Checking account.

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.

Program Terms: Benefits and services are provided through third-party providers and may change, be replaced, or discontinued without prior notice. Estimated benefit values are based on typical marketplace pricing for comparable services and may vary by usage. Values are illustrative only and have no cash equivalent.

Download our complete Checking Account Brochure for full details.