Talk to a real person.

Get Fast, 24/7 Service with Penny

Real People. Real Help. No Runaround. 

Looking for help? Need answers fast? We got you. Real people. Real support. Zero runaround. Whether it’s a lost card, an account question, or help with online banking, we’ll get you to the right place. Fast.

  • Member Support:
  • Fax:

    877.789.7628

  • Lost or Stolen Cards:
  • ABA / Routing Number:

    322274925

  • Local & International Member Support:
  • Mailing Address:

    Frontwave Credit Union; 1278 Rocky Point Drive; Oceanside, CA 92056

Need to Talk to a Real Person?

Visit a branch or call our Member Solution Center to get answers fast.

General Questions & Account Support
800.736.4500 

Lost or Stolen Cards
866.839.3485 

International Calls
760.631.8700 

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

Get Fast, 24/7 Service with Penny

Available online or by phone 24/7, Penny answers questions and guides you to what you need.

ONLINE
Just click the icon in the bottom right to get started.

OVER THE PHONE

Toll-Free
800.829.7676 

Local & International:
760.631.8799

Bill Pay Support Line: 
844.699.2102

Visa® Cardholder Support

Get 24/7 support for your Visa Credit Card, Visa Debit Card, or ATM Card, including: Card activation and PIN setup, lost or stolen cards, digital wallet support, fraud or transaction disputes. 

Domestic Toll-Free
866.309.4934 

Outside the U.S.
303.967.1096 

Secure Communication

For account-related questions, protect your information. Do not share sensitive details through email or unsecured channels.

Send a Secure Message
Log in to Digital Banking and use the Message Center for secure, encrypted communication. 

Call Us
Talk to our Member Solution Center at 800.736.4500.

Get $350* When You Switch!

  

  • Open Your Accounts
    Setup Checking and Savings accounts with e-statements on the same day.
  • Set Up Direct Deposit
    Start a $1,000+ monthly direct deposit within your first 90 days.
  • Get Rewarded
    We'll drop $350 into your savings once you qualify. Simple as that.

No Hoops. No Hassle. Just $350 to Prove We’re Worth It.

Disclaimers

* Important Information and Disclosures

How to qualify: To receive the $350 bonus, open new Frontwave Checking and Savings accounts within the same day (subject to approval), enroll in e-statements, and set up recurring external direct deposits or ACH transfers totaling $1,000 or more. The $1,000 must post within a single calendar month and within 90 days of account opening. (Example: Two $500 paychecks within the same month qualifies.) Transfers between Frontwave accounts do not qualify. 

How you get paid: Bonus will be deposited into your Frontwave Savings account within 120 days if requirements are met and accounts remain in good standing.

Who’s eligible: Offer available to new Frontwave members age 18 or older who live, work, worship, or attend school in San Diego, Riverside, Imperial or San Bernardino counties, or who qualify through a Select Employer Group (SEG) or military affiliation. Not available to employees, volunteers, or anyone who has had a Frontwave account closed within the past 18 months. Limit one bonus per person.

Other important info: Offer effective as of August 1, 2025, and may change or end without notice. A 1099-INT will be issued for tax reporting purposes.

Heads up, gig workers: To qualify, your deposits must come through as standard direct deposit or ACH into your Frontwave bank account. Transfers from a debit card or wallet (like PayPal or DasherDirect) do not count.