Setting up power of attorney.

A power of attorney (POA) is a document in which an individual authorizes another individual to act on his or her behalf. Policies regarding powers of attorney may vary between institutions. The guidelines established below are solely for the use of Frontwave Credit Union.

• A power of attorney document must be on file at the credit union before a designated individual (called the attorney-in-fact) can access a credit union member's account.
• You may mail, fax, or bring the power of attorney to one of our branch locations. Mailing address: Frontwave Credit Union, 1278 Rocky Point Dr, Oceanside, CA 92056. Fax number: 877.789.7628.
• You may also send the document as an attachment through Home Banking or an email to cservice@frontwavecu.com.
• Verification of a power of attorney takes 48 to 72 business hours. After that period, information may be released to the attorney-in-fact.
• Frontwave reserves the right to deny acceptance of any power of attorney presented for review.
• For more information, contact our Member Solution Center at 800.736.4500 or 760.631.8700.

Questions and Answers

What is a power of attorney?

A power of attorney is a document in which an individual, the principal, authorizes another individual, the attorney-in-fact, to act on his/her behalf.

Should I have a power of attorney?

A power of attorney is recommended when an individual is temporarily incapacitated from handling financial affairs him/herself (i.e. illness, deployment). A power of attorney should be attained prior to such occasion, if possible.

How should an attorney-in-fact sign checks and other documents on the member’s behalf?

It is recommended, but not legally required, that the Attorney-in-Fact sign as follows: Joe Doe by Jane Doe, Attorney-in-Fact.

Can an attorney-in-fact open a membership in the member’s name?

A membership will not be opened by an attorney-in-fact with a general power of attorney.

Can an attorney-in-fact open a loan in the member’s name?

A loan will not be granted to an attorney-in fact with a general power of attorney.

Can a check be cashed in the name of the attorney-in-fact?

An attorney-in-fact cannot cash a check in their name against a member’s account. They can only transact business on behalf of the member as outlined in the power of attorney.

Can an attorney-in-fact have possession of and utilize the member's ATM/Debit or Visa® card to authorize transactions?

An attorney-in-fact can have access to the member's Frontwave plastic card if they are given possession by the member. The member is responsible for all transactions performed by the attorney in fact.

Can an attorney-in-fact request an issuance or re-issuance of an ATM/Debit or Visa card?

An attorney-in-fact cannot request an issuance or re-issuance of an ATM/Debit or Visa card for the member they represent.

Can an attorney-in-fact request a wire transfer out of the member’s account?

An attorney-in-fact can request a Bank-to-Bank Wire Transfer for the member. All request must be submitted in writing with a photo copy of the Attorney-in-Fact’s photo identification. If the funds are being transferred to an account in which the members name is not listed, the written request must be notarized.