If you graduated from Marine Corps Recruit Depot in September 2025, you should have recently received a notice in the mail about an upgrade to your Frontwave checking account.
Starting July 1, 2026, your account moves to Elite Checking. It adds built-in protections and everyday tools designed to help safeguard your identity, protect your purchases and manage your money as you begin the next phase of your Marine Corps journey.
This page keeps things simple. You can review the documents we mailed below, see what’s included with your upgraded account, and learn how to access your new benefits.
Important Timing
Benefits begin July 1, 2026.
Your first three months are free, so you can explore the benefits!
Beginning October 2026, a $6 monthly fee* applies(waived with a $2,500 average daily balance).
Different graduation month? This page reflects the most recent update. If you graduated in a different month or received your notice earlier, your timing and details may vary. Be sure to refer to your original mailing for information specific to your account, or give us a call at 800.736.4500 to discuss. We’ll get you squared away.
Elite Checking Added Benefits
Elite Checking adds tools designed to help protect your finances and simplify everyday banking. Some of the key benefits are summarized below (registration and eligibility requirements may apply):
Identity Theft Monitoring
and recovery support
Credit Monitoring
and score tracking
Cell Phone Protection
for eligible damage or theft
Private WiFi Security
for up to three devices
Purchase Protection
and extended warranties
Vision Care
discounts
What You Should Do Next
Elite Checking Upgrade Letter
Review the documents we mailed to see what’s changing and what it means for you.
Log in to Digital Banking and navigate to Manage Accounts > Elite Checking to activate identity monitoring, view your protections, and explore your included tools.
Send a message in Digital Banking by going to Settings > Contact > Send Secure Message.
If you graduated in a different month your offer activation dates may vary. Refer to your mailing.2
Disclaimers
1 A $6 monthly fee will be charged beginning October 2026 on the last day of the month. The fee is automatically waived when a $2,500 average daily balance is maintained during the calendar month.
2 Different graduation month? This page reflects the most recent update. If you graduated in a different month or received your notice earlier, your timing and details may vary. Be sure to refer to your original mailing for information specific to your account, or give us a call at 800.736.4500 to discuss. We’ll get you squared away.
Benefits are subject to terms, conditions, and eligibility requirements. See the mailed documents for full details.
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