Meet Penny: The Newest Member of Our Team

Great service should be fast, simple, and available whenever you need it. That’s why we’re excited to introduce the newest addition to the Frontwave team: Penny, our AI Assistant. 

She doesn’t take coffee breaks. She never sleeps. And she’s always ready to help. 

So… Who Is Penny?

Penny is Frontwave’s new AI-powered assistant built to help Members get answers faster and handle everyday banking tasks without the wait. Whether you’re calling or chatting online, Penny helps make common banking tasks quicker and easier from the very first “hello.” 

✓ Need to check your balance? 

✓ Review a recent transaction? 

✓ Make a loan payment? 

Penny’s got it covered. 

She can also help with: 

• Checking balances and transaction history 
• Confirming cleared checks and stop check payments 
• Transferring funds and making loan payments 
• Providing savings and loan rates 
• Requesting check withdrawals by mail 
• Reporting lost or stolen cards

Think of Penny as your fast, friendly guide to getting things done without the wait. 

Why the Name “Penny”?

The name Penny is more than just a fun fit for the financial world. It’s also a nod to our roots. 

Frontwave was founded in 1952 aboard Marine Corps Base Camp Pendleton with a mission built around service, trust, and showing up for Members when it mattered. Penny carries that spirit forward in a modern way.

Where Can You Find Penny?

Penny is already helping Members through online chat and our Member service phone lines. On our website, simply click the chat icon in the bottom-right corner of your screen to get started.

Whether you need quick answers, help with everyday banking tasks, or support finding the right information, Penny is ready to help 24/7.

She’s also available through our Member service phone lines:

Member Support
800.736.4500 (toll free)
760.631.8700 (local & international)

Express Line
800.829.7676 (toll free)
760.631.8799 (local & international)

Prefer talking to a real person? You can request a transfer to a live Member service representative during business hours.

Business Hours
Monday – Friday: 7:00 AM – 6:00 PM PT
Saturday: 9:00 AM – 4:00 PM PT

Faster Help, Same Commitment to Service

Penny may be powered by AI, but the focus is still people.

She’s here to help Members get answers faster, reduce wait times, and handle everyday banking tasks without the frustration of endless menus and hold times. Behind it all is the same people-first service Frontwave has built its reputation on since 1952.

The next time you call or chat with us online, say hello to Penny and see how much easier everyday banking can feel. She’s excited to meet you.