Talk to a real person.

Automated online service 24/7.

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?

Call Us: Get answers from our Member Solution Center. 

Hours: 

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

Get Fast, Automated Service 24/7

With Express Line Telephone Banking, you can securely access your accounts 24/7. Prefer online help? Our AI-powered virtual assistant is available on our website to answer questions and guide you to helpful resources - just click the icon in the bottom right corner. 

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. 

Secure Communication

For account-related inquiries, we prioritize your security. Your security matters. Avoid sharing sensitive account details through email or unsecured channels. 

  • Send a Secure Message: Log in to Online Banking or Mobile Banking and use the Message Center for secure, encrypted communication. 
  • Call Us: Speak directly with a representative at our Member Solution Center: 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.