Transfer & Move Money

From a Browser: 

1. Select Transfer and Pay, then Transfers. 
2. Select the From Account and To Account. 
3. Enter the amount and select the transfer date. 
4. Choose One-Time or Recurring. 
5. Add an optional memo. 
6. Review and select Confirm.

From the Mobile App: 

1. Select Move Money, then Transfers. 
2. Select the From Account and To Account. 
3. Enter the amount and select the transfer date. 
4. Choose One-Time or Recurring. 
5. Add an optional memo. 
6. Review and select Confirm.

IMPORTANT: Transfers between Frontwave accounts are processed immediately. External transfers may take 1–3 business days.

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. Select Transfer and Pay, then Transfers. 
3. Select Add Account from the From Account dropdown. 
4. 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. Verification may take up to three business days before the account is available.  

From the Mobile App:

1. Open the Frontwave Mobile App. 
2. Tap Move Money. 
3. Tap Link External Accounts. 
4. 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 transfer. 

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.

Once your external account is verified, follow these steps.  

From a Browser: 

1. Select Transfer and Pay, then Transfers. 
2. Select the From Account and To Account. 
3. Enter the amount and select the transfer date. 
4. Choose One-Time or Recurring. 
5. Add an optional memo. 
6. Review and select Confirm. 

From the Mobile App: 

1. Select Move Money, then Transfers. 
2. Select the From Account and To Account. 
3. Enter the amount and select the transfer date. 
4. Choose One-Time or Recurring. 
5. Add an optional memo. 
6. Review and select Confirm.

Zelle^® is a convenient way to send and receive money with friends, family and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle^® makes it easy to pay your share. Over 100 million people are enrolled with Zelle^®, so you can send money to friends and family even if they don't bank at Frontwave Credit Union.¹ Plus, there are no fees to use Zelle^® with Frontwave. Learn more about Zelle^®. 

Follow these steps to ensure a smooth, secure wire transfer:

1. Gather the recipient’s information:
   • Bank name and ABA/routing number
   • Account number
   • Full name and address
2. Visit a Frontwave branch or call 800.736.4500 to initiate the wire.
3. Submit your request before 2:00 p.m. PST for same-day processing.

Provide the sender with these details to receive a wire from a U.S. financial institution:

• Receiving Institution: Frontwave Credit Union
• ABA/Routing Number: 322274925
• Phone Number: 800.736.4500
• For Final Credit To: Your name and Frontwave Member number

• Processing Times: Wires are processed Monday–Friday before 2:00 p.m. PST. Transfers sent after this time will process the next business day.
• Same-Day Transfers: Ask the sending institution to submit the wire early to avoid delays.
• Incoming Wires: Funds are credited to your account as soon as they are received and verified.

Wire fraud is on the rise. Always verify wiring instructions before sending money. Cybercriminals hack emails and send fake but convincing wire details. Protect yourself by following these steps: 

• Verify wire instructions in person or by calling a trusted number 
• Double-check details before sending! Never assume instructions are correct 
• Be cautious of last-minute changes! Fraudsters often alter wire details at the last minute

If you need assistance or want to verify wire details, call our Member Solution Center during business hours:

Local & International: 760.631.8700

Domestic Toll-Free: 800.736.4500

Hours: Monday–Friday 7 a.m. – 6 p.m. PT | Saturday 9 a.m. – 4 p.m. PT

Need to move money but cannot get online? Call and we will complete your transfer securely while you are on the line. 

Call to transfer

Local & International: 760.631.8700
Toll-Free: 800.736.4500
Monday–Friday: 7 a.m. - 6 p.m. | Saturday: 9 a.m. - 4 p.m.