People-First Banking

Better rates and lower fees.

Community-Driven

Membership that supports your community.

Already Banking Somewhere Else? Switching is Easy.

Moving your money should be simple. That’s why we created EasySwitch, your step-by-step guide to moving your accounts to Frontwave without the hassle. In just a few steps, you will have your direct deposits, bill payments, and account transfers set up with zero headaches.

Membership Benefits

  • Secure Your Future

    With high-yield savings accounts

  • No-Fee Checking

    With no per-check charges

  • Plan For Retirement

    With Individual Retirement Accounts (IRAs)

  • Grow Your Money Safely

    With Share Certificates

  • Flexible Credit

    With Visa® cards for maximum purchasing power

  • Home and RV Loans

    With great rates and low fees

  • Auto Financing

    Up to 115% for your next ride

  • Bank Anytime, Anywhere

    With online, mobile, and toll-free access

Three Ways to
Make the Switch

How EasySwitch Works

  • Use our EasySwitch Checklist to track all bill payments, direct deposits, and transfers.
  • Identify all recurring payments linked to your old account so nothing gets missed.

  • Once all transactions have cleared, use our Account Closing Form to notify your old bank.
  • Allow at least 10 business days to ensure all outstanding payments have been processed.

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.