View & Manage Accounts

1. Log in to your Digital Banking profile.
2. There are two ways to view Accounts:
3. Click Manage Accounts, then select Accounts.
4. Choose the account you want to view.
5. Your recent transactions will appear on the right.
6. Click on a transaction to see more details.

In Digital Banking:

1. Log in.
2. Click Manage Accounts, then select Accounts.
3. In the Transactions tab, use the search bar or funnel icon to filter by date, category, amount, type, or check number.
4. Click a transaction to view details.

In Mobile Experience:

1. Log in and tap the account you want to search.
2. Tap the magnifying glass icon.
3. Enter a vendor name, amount, or date.
4. Tap a transaction to view the details.

1. Log in to Digital Banking.
2. Click Manage Accounts, then select Accounts.
3. Choose your account.
4. Under your account name, click the eye icon next to your masked number to reveal it.

1. Log in to Digital Banking.
2. Click Manage Accounts, then select Accounts.
3. Choose your checking account.
4. In the Transactions tab, scroll to find the check - or use the search function.
5. Click the transaction to see the check number and image.
6. Click the check image to view a larger version.
7. To print, click Print All Images below the check image.

You can update your address through Digital Banking, by phone or in a branch.

• Digital Banking 
  Go to Settings > Contact to get started.
• By phone 
  Call the Member Solution Center at 800.736.4500
• In person 
  Visit any Frontwave branch with a valid photo ID.

For security, phone number and email updates cannot be completed in Digital Banking.

• Send a Secure Message. Select Message Center under Tools & Settings.
• Call the Member Solution Center at 800.736.4500 
• Visit any Frontwave branch with photo ID.

Name changes must be completed in person.

Bring: Government-issued photo ID with your new name or legal documentation such as a marriage certificate, divorce decree or court order.

Add someone to your account using our membership application from Digital Banking.

Steps

1. Log in to Digital Banking
2. Select Add an Account, then Add a Joint Owner
3. Complete the required form sections
4. Select Submit

Important Information: 

• Joint owners must meet eligibility and be 18+.
• Joint owners have equal access and shared liability for the account.
• Processing: 2-3 business days; confirmation via secure message or phone.
• By adding a joint owner, you agree to the legal terms outlined in our Account Agreement.

To grant someone access to a Frontwave Credit Union account under a Power of Attorney (POA), we must have the POA document on file. You can submit it by:

• Mail: 
  Frontwave Credit Union, 1278 Rocky Point Dr, Oceanside, CA 92056
• Fax: 
  877.789.7628
• In Person: 
  Visit any Frontwave branch

Processing & Verification

POA verification takes 48 to 72 business hours. Once approved, the attorney-in-fact will be able to access the account as authorized.

Shared access can only be managed in Digital Banking from a browser.

1. Log in to Digital Banking.
2. Click Tools & Settings, then Settings.
3. Select the Shared Access tab, then click Add a User.
4. Enter the invitee’s first name, last name and email address. Enter the email twice to confirm.
5. Under Choose Permissions, select the accounts and access level:
6. View account to see balances and transaction history.
7. Transfer into to move money into this account.
8. Transfer from to move money out of this account.
9. Select All permissions to grant full access.
10. Scroll down and click Save.
11. Review the settings. Check the acknowledgement box, then click Confirm.

You will return to the Shared Access dashboard and see a notice that the invitation is pending.

1. Click the pending invitation to open details. A six-digit confirmation code will appear.
2. Share this code directly with the invitee by phone, text or email. The code is valid for 24 hours.
3. If you need to make changes before sharing the code, open the invitation and select:
4. Edit User to change the name or email.
5. Edit Account Access to change permissions.
6. Cancel Invitation to remove the invite.

The invitee receives an email with a link to complete setup.

1. They choose one of the following:
   • Log In using an existing Frontwave username.
   • Register as a new user.
   • Sign In as Guest.
2. They enter the six-digit confirmation code you provided.
3. They complete the required fields and click Continue.
4. The system guides them through the remaining registration steps.

Skip the trip to the branch and get your paycheck, Social Security or pension funds deposited automatically into your Frontwave account. Direct deposit is the fastest, safest and most convenient way to access your money. No waiting, no paper checks, no hassle.

How to Set Up Direct Deposit

1. Download the Direct Deposit Form
2. Fill it out with your Frontwave account details
3. Submit it to your HR department or the federal agency handling your benefits

That’s it! Once set up, your money will be deposited automatically and on time, every time.

Running low on checks? Reorder securely through our trusted partner, Harland Clarke.

Order in Digital Banking (Fastest Option)
Skip the manual entry. When you reorder checks in Digital Banking, you’re securely connected to Harland Clarke through a single sign-on experience. Your information is pre-filled for confirmation, then you can select your checks and complete your order.

1. Go to Manage Accounts > Check Services.
2. Navigate to the Order Checks tab.
3. Click Order Checks

How to Order Checks Online

1. Visit Harland Clarke’s OrderMyChecks.com
2. Enter Frontwave’s routing number (322274925), your account number and your ZIP code
3. Follow the prompts to select your checks and complete your order

What to Know Before Ordering

• First-time orders: Some members must place their first order directly with Frontwave. Contact us to check your status.
• Reorders: If you’ve ordered checks within the last three years, you can reorder online. Otherwise, start a new order through the product catalog on OrderMyChecks.com.
• Payment: The cost for checks is $40 and is automatically deducted from your checking account.
• Delivery: Orders print in 1-2 business days. Standard shipping takes 7-10 days, with expedited options available.

You can check your application anytime using the same secure application portal.

Note: This process applies to consumer loan applications only (such as auto loans, personal loans, and credit cards). Mortgage and home equity applications follow a different process.

How to Check Your Status

1. Go to https://apply.frontwavecu.com/
   Or click Apply for a Loan
2. Select Let’s Get Started
   If applicable, choose I am active duty military
3. Enter the phone number used on your application
4. Enter the 4-digit code sent to your phone
5. Confirm the last 4 digits of your Social Security number
6. Review your information and select Confirm
7. Verify your income and housing payment, then select Continue
8. Click My Applications in the top right corner
9. View your application status

What Your Application Status Means

We’re reviewing your application
Your application has been received and is currently under review. No action is needed at this time.

Your application is approved, preparing next steps
Your application has been approved and is moving forward. Follow any instructions provided to complete the process.

Your application wasn’t approved
Your application was not approved based on our review. Additional details or next steps may be provided separately.

Cancelled due to duplication
A duplicate application was submitted and one has been cancelled to avoid processing the same request twice.

Need Help?

Call 800.736.4500, visit a branch, or connect with us to get support with your application.

No internet? No problem. Express Line gives you secure account access anytime by phone.

What You Can Do

• Check balances and transaction history
• Confirm cleared checks and stop check payments
• Transfer funds and make loan payments
• View savings and loan rates
• Request check withdrawals by mail
• Change your access code
• Report lost or stolen cards

How to Access Express Line

Use your member number and access code. Forgot your code? Visit a branch or call the Member Solution Center.

• Toll-Free: 800.829.7676
• Local and International: 760.631.8799

An overdraft occurs when you do not have sufficient available funds in your account to cover a transaction, but Frontwave Credit Union (Frontwave, we) pays it anyway. We can cover your overdrafts in two different ways: 

• We have standard overdraft practices (Courtesy Pay) that come with your account.
• We also offer overdraft protection plans, such as a transfer from a savings account or link to a line of credit or Visa Credit Card, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments
• ACH

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices (Courtesy Pay):

• We will charge you a Courtesy Pay Fee of $14 each time you overdraft your account.
• We do not charge more than five (5) Courtesy Pay fees within the same calendar day.
• We do not charge a Courtesy Pay fee until the account is negative more than $20.00.

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, visit a branch or call us at 1.800.736.4500.

You have the right to revoke your consent to participate in our overdraft services at any time. To revoke your consent, you may contact us by phone, mail, or in person at any of our branch locations. Upon revocation, you will no longer be enrolled in the overdraft service, and any future transactions that would result in an overdraft will be declined.