Your Equity. Your Rules.

Use the value you've built to renovate, consolidate, or fund what's next. 

Loans That Mean Business

Lending options tailored for hardworking business owners like you.

News. Money tips. Community impact.

Insights on money, life, and the communities we serve.

Frontwave Foundation

Turning compassion into action through grants, scholarships, and support for local nonprofits.

Community
See how we support local causes and initiatives that strengthen the neighborhoods where we live and serve.
Learn about our 501(c)(3) nonprofit advancing positive change in our communities.
Special Offers
Discover exclusive discounts & special offers from local businesses — made just for our community!

Follow us on Instagram to win free tickets to Frontwave Arena!

Move money in seconds.

Between your accounts or another bank.

Move Money on Your Schedule.

Send money between your Frontwave accounts, to another bank, or to people you trust. Use Digital Banking for everyday transfers, Zelle® for person-to-person payments or wire transfers when timing matters most. Open any topic below for more details.

Everyday Transfers in Digital Banking

From a Browser: 

  1. Log in to Digital Banking.
  2. Select Transfer and Pay, then Transfers. 
  3. Select the From Account and To Account. 
  4. Enter the amount and select the transfer date. 
  5. Choose One-Time or Recurring. 
  6. Add an optional memo. 
  7. Review and select Confirm.

From the Mobile App: 

  1. Select Move Money, then Transfers. 
  2. Select the From Account and To Account. 
  3. Enter the amount and select the transfer date. 
  4. Choose One-Time or Recurring. 
  5. Add an optional memo. 
  6. Review and select Confirm.

IMPORTANT: Transfers between Frontwave accounts are processed immediately. External transfers may take 1–3 business days.

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. Select Transfer and Pay, then Transfers. 
  3. Select Add Account from the From Account dropdown. 
  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. Verification may take up to three business days before the account is available.  

From the Mobile App: 

  1. Open the Frontwave Mobile App. 
  2. Tap Move Money. 
  3. Tap Link 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 transfer. 

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.

Once your external account is verified, follow these steps.  

From a Browser: 

  1. Log in to Digital Banking. 
  2. Select Transfer and Pay, then Transfers. 
  3. Select the From Account and To Account. 
  4. Enter the amount and select the transfer date. 
  5. Choose One-Time or Recurring. 
  6. Add an optional memo. 
  7. Review and select Confirm. 

From the Mobile App: 

  1. Select Move Money, then Transfers. 
  2. Select the From Account and To Account. 
  3. Enter the amount and select the transfer date. 
  4. Choose One-Time or Recurring. 
  5. Add an optional memo. 
  6. Review and select Confirm.

Wire Transfers: Instructions & Security Warning

Follow these steps to ensure a smooth, secure wire transfer:

  1. Gather the recipient’s information:
    • Bank name and ABA/routing number
    • Account number
    • Full name and address
  2. Visit a Frontwave branch or call 800.736.4500 to initiate the wire.
  3. Submit your request before 1:00 p.m. PT for same-day processing.

Provide the sender with these details to receive a wire from a U.S. financial institution:

  • Receiving Institution: Frontwave Credit Union
  • ABA/Routing Number: 322274925
  • Phone Number: 800.736.4500
  • For Final Credit To: Your name and Frontwave Member number

  • Processing Times: Wires are processed Monday–Friday at 1:00 p.m. PT. Transfers sent after this time will process the next business day.
  • Same-Day Transfers: Ask the sending institution to submit the wire early to avoid delays.
  • Incoming Wires: Funds are credited to your account as soon as they are received and verified.

Wire fraud is on the rise. Always verify wiring instructions before sending money. Cybercriminals hack emails and send fake but convincing wire details. Protect yourself by following these steps: 

  • Verify wire instructions in person or by calling a trusted number 
  • Double-check details before sending! Never assume instructions are correct 
  • Be cautious of last-minute changes! Fraudsters often alter wire details at the last minute

If you need assistance or want to verify wire details, call our Member Solution Center during business hours:

Local & International: 760.631.8700

Domestic Toll-Free: 800.736.4500

Hours: Monday–Friday 7 a.m. – 6 p.m. PT | Saturday 9 a.m. – 4 p.m. PT

Transfer Money by Phone

Need to move money but cannot get online? Call and we will complete your transfer securely while you are on the line. 

Call to transfer

Local & International: 760.631.8700
Toll-Free: 800.736.4500
Monday–Friday: 7 a.m. - 6 p.m. PT | Saturday: 9 a.m. - 4 p.m. PT

Transfer Money with Zelle® Payments

Zelle® is available to eligible Frontwave checking account members age 18 and older.

You can send, receive, or request money2 with Zelle®. To get started, log in to the Frontwave Mobile app. From the Dashboard, tap "Move Money" then "Send Money with Zelle®". Learn more

To send money using Zelle®, simply select someone from your mobile device's contacts (or add a trusted recipient's email address or U.S. mobile number), add the amount you'd like to send and an optional note, review, then hit "Send." The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.

To request money using Zelle®, choose “Request,” enter their enrolled email address, U.S. mobile number or Zelle® tag, confirm the recipient is correct and tap "Request."

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Frontwave Credit Union account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Frontwave Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Keeping your money and information secure is a top priority for Frontwave Credit Union. When you use Zelle® within the Frontwave Mobile app, your information is protected with the same technology we use to keep your Frontwave Credit Union account safe.

Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your Frontwave Credit Union account to another person’s bank account within minutes,1 Zelle® should only be used to send money to friends, family and others you trust.

If you do not know the person or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site), do not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you do not know is high risk).

Some small businesses can receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from the Frontwave Mobile app using their enrolled email address, U.S. mobile number or Zelle® tag.

To use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

No, Zelle® payments cannot be reversed.

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. To see whether the payment is still pending because the recipient has not enrolled, go to your activity page, choose the payment you want to cancel and then select “Cancel This Payment.” If you do not see this option, call our customer support team at 800.736.4500 for help canceling the pending payment.

If the person you sent money to is already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it is important to only send money to people you know and trust and always ensure you used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, call our customer support team immediately at 800.736.4500 to determine what options are available.

No, Frontwave Credit Union does not charge any fees to use Zelle® in our mobile app.

Your mobile carrier’s messaging and data rates may apply.

As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend using another payment method at this time.

Bank Smarter, Not Harder.

Level Up with Our Mobile App

  • Bank on your schedule wherever you are
  • Deposit checks from anywhere, anytime
  • Pay bills and move money fast
  • See balances and activity instantly
Disclaimers

* To send or receive money with Zelle®, both parties must have an eligible account with a participating financial institution. Zelle® is available only with eligible checking accounts at Frontwave. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Pages within