Banking Basics: What Your Account Can Really Do

Your Frontwave checking account isn’t just a place where your money sits. It’s how you get paid, pay bills, move money, protect your account, and stay in control day to day.

Most people only use a fraction of what’s available. The rest sits there, unused. Here’s a simple look at what you can do with any Frontwave checking account, and where to go next if you want to get more out of it.

Get Paid Faster and Stay on Track

Skip the branch. Get your paycheck, Social Security or pension deposited directly into your Frontwave account. No paper checks. No waiting. No extra steps.

Direct deposit gives you:

• Faster access to your money
• More consistent cash flow
• Fewer delays or missed deposits

Once it’s set up, it runs in the background so you don’t have to think about it.

How to Set Up Direct Deposit

1. Download the Direct Deposit Form
2. Fill it out with your Frontwave account details
3. Submit it to your HR department or the federal agency handling your benefits

That’s it! Once set up, your money will be deposited automatically and on time, every time.

Move Money Without the Runaround

Send funds between your Frontwave accounts, to another bank or to people you trust. Use Digital Banking for everyday transfers, P2P for quick payments or wire transfers when timing matters.

Pay friends, split expenses or send money without cash or checks using P2P payments built right into Digital Banking. It’s a simple way to send money to people you trust, without needing cash or extra apps.

Can’t get online? Call us and we’ll help you move money securely.

Learn About Transferring Funds

Pay Bills Fast.

Our Bill Pay experience makes it easy to pay bills, manage due dates and stay organized, all in one place.

Pay companies and service providers directly from Digital Banking. No checks. No stamps. No missed due dates.

• Schedule one-time or recurring payments
• Track what’s paid and what’s coming up
• Keep everything organized in one place

It’s a simple way to stay on top of your bills without the extra work.

Learn about Bill Pay

Deposit Checks from Anywhere

Deposit checks from your phone using the Frontwave app. Skip the trip to a branch or ATM and get your money moving faster.

Just snap a photo, confirm the details and you’re done. It’s that simple.

Deposit a Check in 3 Steps

• Open the app and choose your account
  Log in, tap Deposit and select where the check should go.
• Take photos of your check
  Capture the front, then sign and endorse the back with “For mobile deposit only” before snapping the back.
• Confirm and submit
  Review the details, add another check if needed, then submit your deposit.

It’s a faster way to deposit checks without interrupting your day.

Make Loan Payments Easier

Paying your loan shouldn’t feel like a chore. Whether you want to set it and forget it with auto pay, make a one-time payment or use a debit card when timing matters, you’ve got options that fit your life.

No hassle. No waiting. No stress.

Pay Your Way

• Make a one-time payment anytime from Digital Banking
• Set up automatic payments so you don’t miss a due date
• Pay from another bank or account when it works better for you
• Use a debit card for same-day payments when timing matters

Stay in control of how and when you pay, with options built to fit your schedule.

Tip: You can pay extra toward your principal at any time to reduce interest over the life of your loan.

Learn About Loan Payments

Manage Your Cards with Confidence

Your debit and credit cards should be easy to control, not something you worry about.

With Frontwave card management tools, you can stay on top of your spending, protect your account and take action instantly, all from Digital Banking.

Stay in Control

• Turn your card on or off instantly if it’s lost or misplaced
• Set alerts to track purchases and activity in real time
• View transactions and monitor spending at a glance
• Manage travel notifications to avoid interruptions

Take control in seconds without calling or waiting in line. Stay protected wherever you are.

Prefer to talk to someone? Call or stop by and we’ll help you take care of it.

Learn About Card Management

Go Paperless and Stay Organized

Paper statements get lost. Digital ones don’t.

With eDocuments and alerts, you can:

• Keep statements, notices and tax forms in one place
• Find documents quickly without digging
• Get notified when new documents are ready
• Reduce clutter and lower your risk of mail-related fraud

Everything is secure and easy to pull up anytime, so skip the paper and stay in the loop.

Learn About eDocuments

Share Access Without Giving Up Control

Sometimes someone else needs to help manage your finances.

Shared access lets you:

• Give limited access to a trusted person
• Keep control over what they can and can’t do
• Avoid sharing passwords or sensitive login details

It’s useful for families, caregivers, or anyone managing money together.

Learn About Shared Access

Access Your Money Wherever You Are

Your money shouldn’t be tied to one place. You should be able to access it wherever life takes you. Whether you’re across town or across the country, you’ve got access when you need it.

You can:

• Use 30,000+ ATMs through the CO-OP Network for quick, easy cash access
• Visit CO-OP Shared Branch locations nationwide for in-person help
• Deposit checks, move money and pay bills through Digital Banking
• Stay connected with your account anytime from your phone

No matter where you are, your money stays within reach. Bank local. Access nationwide.

Find a branch or ATM near you.

Explore Locations

Manage your money from anywhere.

Learn About Digital Banking

Built for Real Life

Your account should do more than hold your money. It should help you manage it, move it and stay in control without slowing you down.

Explore tools, tips and support built for how you actually manage money.

Visit the Financial Education Hub