Pay from your account, just log in and transfer funds instantly.

Schedule recurring payments and never miss a due date.

Making Loan Payments Just Got Easier.

Paying your loan shouldn’t feel like a chore. Whether you want to set it and forget it with auto pay, make a one-time online payment or use a debit card for a last-minute payment, we’ve got options to fit your life. No hassle, no waiting, no stress.

Making a Loan Payment in Digital Banking

Pay your loan anytime from Digital Banking. Make a one-time payment, set up automatic payments or pay from another bank.

 Tip: You can pay extra toward principal at any time.

From a browser:

  1. Log in to Digital Banking.
  2. From Accounts, click on your loan or click Paynext to it. 
    • Note: Clicking Pay takes you directly to the Transfers page
  3. If you selected your loan, click on Pay Now.
  4. Select where you want to pay from in the From Account dropdown.
  5. Enter your payment amount.
  6. Add an optional memo
  7. Click Review Transfer and Submit.


From the Mobile App:

  1. Open the Frontwave Mobile App.
  2. Tap Move Money.
  3. Tap Loan Payments.
  4. Select your loan.
  5. Enter your payment amount.
  6. Choose the account to pay from.
  7. Confirm and Submit.

From a browser:

  1. Log in to Digital Banking.
  2. From Accounts, click on your loan or click Pay next to it. 
    • Note: Clicking Pay takes you directly to the Transfers page
  3. If you selected your loan, click on Pay Now.
  4. Select where you want to pay from in the From Account dropdown.
  5. Enter your payment amount.
    • Select Regular Payment to make your minimum payment.
    • Select Other to pay more than the minimum amount.
  6. Select the payment frequency in the Frequency dropdown.
    • Never: Continues until the loan is paid off.
    • On Date: Ends on a selected date.
    • Occurrences: Ends after a selected number of payments.
  7. Select the payment date.
  8. Select when to end payments
  9. Add an optional memo
  10. Click Review Transfer and Submit.


From the Mobile App:

  1. Open the Frontwave Mobile App.
  2. Tap Move Money.
  3. Tap Loan Payments.
  4. Select your loan.
  5. Choose Set Up Automatic Payments.
  6. Select Pay Minimum Due or Pay a Specific Amount.
  7. Choose your payment date.
  8. Confirm and Submit.

If you have already added an external account, it will appear as a payment option in the From Account dropdown. The steps below are for adding a new external account.

From a browser:

  1. Log in to Digital Banking.
  2. From Accounts, click on your loan or click Pay next to it. 
    • Note: Clicking Pay takes you directly to the Transfers page
  3. If you selected your loan, click on Pay Now.
  4. Select Add Account from the From Account dropdown.
  5. You now have two options:
    • Instantly Add Account: Sign in securely with your external bank credentials to use the account right away. Note: Your login credentials are encrypted and never stored by Frontwave.
    • Manually Add Account: Enter your account and routing numbers. You’ll receive two small trial deposits in your external account within 2–3 business days. Once they appear, log in to Digital Banking and confirm the amounts to activate the account.

After adding your external account, return to the Transfers screen to complete your payment.


From the Mobile App:

  1. Open the Frontwave Mobile App.
  2. Tap Move Money.
  3. Tap Loan Payments.
  4. Select your loan.
  5. Choose Add External Account.
  6. You now have two options:
    • Instantly Add Account: Sign in securely with your external bank credentials to use the account right away. Note: Your login credentials are encrypted and never stored by Frontwave.
    • Manually Add Account: Enter your account and routing numbers. You’ll receive two small trial deposits in your external account within 2–3 business days. Once they appear, log in to Digital Banking and confirm the amounts to activate the account.

After adding your external account, return to the Transfers screen to complete your payment.

IMPORTANT: External transfers may take 1–3 business days to post.

IMPORTANT: You have three attempts to enter the correct trial deposit amounts. After three failed attempts, the account must be re-added.

Want to review or change upcoming automatic payments?

From a browser:

  1. Log in to Digital Banking.
  2. Select your loan from Accounts.
  3. Choose Pay Now.
  4. Select Scheduled.
  5. Select the transfer you want to edit, then select Edit Series.
  6. Make the necessary edits.
  7. Confirm and Submit.


From the Mobile App:

  1. Open the Frontwave Mobile App.
  2. Tap Move Money.
  3. Tap Scheduled
  4. Select your loan.
  5. Select Transfers to view scheduled loan payments.
  6. Confirm and Submit.

Need to confirm a payment posted?

From a browser:

  1. Log in to Digital Banking.
  2. Select your loan from Accounts.
  3. Transactions will list all your payment activity.


From the Mobile App:

  1. Open the Frontwave Mobile App.
  2. Tap Move Money.
  3. Tap History.
  4. Select Transfers to view completed loan payments.

Other Ways to Pay Your Loan

Prefer not to use Digital Banking? Choose the option that works best for you.

Make a one-time loan payment using any of these options.

  • Pay by Phone: Call 800.736.4500 to make a one-time loan payment with a team member.
  • Pay in Branch: Visit any Frontwave branch to make a payment in person by cash or check.
  • Pay by Mail: Send a check or money order (no cash) using the payment coupon from your statement or coupon book to:
    • Frontwave Credit Union
      Attn: Loan Payment Processing
      1278 Rocky Point Dr
      Oceanside, CA 92056
    • IMPORTANT: Mailed payments may take several days to post. Mail your payment early to avoid late fees.
  • Pay at a Shared Branch: Visit one of 5,000+ credit unions nationwide to make a payment. Find a Shared Branch.

Set up automatic payments outside of Digital Banking.

  • Payroll Deduction: Have payments sent straight to your loan from your paycheck.
  • Set Up by Phone: Call 800.736.4500 and we’ll set up recurring payments for you.
  • Set Up in Branch: Visit any Frontwave branch and we’ll help you set up automatic payments in person.

EZ Pay: Same-Day Loan Payments

EZ Pay lets you make same-day loan payments using a debit card. You can make a one-time payment without registering, or register to save your information for future payments.

IMPORTANT: Registration is required for saved payment access. Each payment has a $10 fee. A $1,500 limit applies per transaction, per loan, per day. Only debit or prepaid cards are accepted. Payments cannot be canceled once a tracking number is issued.

  • Registration is required to use EZ Pay.
  • Each payment has a $10 fee.
  • A $1,500 limit applies per transaction, per loan, per day.
  • Only debit or prepaid cards are accepted.
  • Payments cannot be canceled or reversed once a tracking number is issued.

Eligible for payments on:

  • Auto loans
  • Personal loans
  • Home equity loans
  • Lines of credit
  • Visa credit cards
  • Overdrawn accounts

IMPORTANT: Mortgage payments are not supported, except Home Equity loans.

Use Express Pay to make a same-day payment without registering. Set up EZ Pay online.

  1. Select Register.
  2. Enter the required personal and account information.
  3. Answer the validation questions.
  4. Create your username and password.

IMPORTANT: Registration is available only for the primary account holder.

Registering is simple, click the link below and follow the simple steps. Set up EZ Pay online.

  1. Select Register.
  2. Enter the required personal and account information.
  3. Answer the validation questions.
  4. Create your username and password.

IMPORTANT: Registration is available only for the primary account holder.

Registering for EZ Pay lets you save your information for faster future payments. Set up EZ Pay online.

  1. Log in to the EZ Pay portal.
  2. Enter your username and password.
  3. Select Make a Payment.
  4. Choose the account you want to pay.
  5. Enter or confirm your payment amount.
  6. Select your saved debit or prepaid card or add a new card.
  7. Review the details and submit your payment.

IMPORTANT: Once a tracking number is issued, the payment cannot be canceled or reversed.

IMPORTANT: Comments entered in EZ Pay are for your personal reference only. Frontwave does not see them.

It’s usually caused by an incorrect answer or formatting issue.

  • Check your date format. If the system requires MM/DD/YYYY, entering M-D-YYYY will cause an error.
  • Use the correct characters. If slashes (/) are required, dashes (-) will not work.
  • If validation answers are entered incorrectly, registration may be locked for 24 hours.

Still need help? Call 800.736.4500 or visit a branch.

If you forget your username, you must re-register and create a new one.

To reset your password, select Problems Logging In on the EZ Pay login page and follow the prompts.

This means:

  • You do not have an eligible loan account, or
  • You do not have a payment due on a Frontwave loan.

Skip-a-Pay: Take a Break When You Need It2

Life happens. Whether you're facing unexpected expenses or just need a little extra breathing room, Frontwave’s Skip-a-Pay program lets you skip one loan payment per year, giving you more flexibility when you need it most.

  1. Log in to your Online or Mobile Banking account.
  2. Select "Manage Accounts" from the menu.
  3. Choose "Skip-a-Pay" and follow the prompts.

Eligibility Requirements

  • Skip one loan payment per year if you qualify
  • Eligible loans: Auto, RV, motorcycle and personal loans
  • Must have an open deposit account with Frontwave
  • Loan must be in good standing (no delinquencies in the past 12 months)

Need help? Call 800.736.4500 or visit a branch.

Bank Smarter, Not Harder.

Level Up with Our Mobile App

  • Bank on your schedule wherever you are
  • Deposit checks from anywhere, anytime
  • Pay bills and move money fast
  • See balances and activity instantly
Disclaimers

1 You must register to use EZ Pay. Each payment costs $10. Limits and eligibility requirements apply.

2 Skipping a payment may result in additional interest charges and an extended loan maturity date. When payments resume, we will first apply your payment to accrued interest before reducing your principal balance. This may increase the total interest paid over the life of the loan and extend the maturity date beyond the skipped period. Eligibility requires good standing and at least three consecutive payments. Program terms are subject to approval, change or cancellation at any time.

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