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Refer a Friend and Score $100*

Friends helping friends.

Earn $100 for Referring a Friend
Get cash deposited into your account when they join Frontwave

Refer a Friend and Score $100*.

Tired of watching your friends settle for boring banks? Send them to Frontwave and we’ll thank you with $100 when they join.

No gimmicks. No gotchas. Just a real thank-you for spreading the word.

And your friend? They can pocket $350 just for making the switch.**

  • Your Friend Earns $350

    They can score $350 just for switching and meeting a few simple requirements

  • Easy, No-Stress Referrals

    Share your info or use the email form and we’ll handle the rest

  • Real Rewards, Real Support

    No gimmicks, just cash rewards backed by a team ready to help

Start Referring. Start Earning.

It’s easy. Just share your name and account number with your friend before they apply. They’ll need to open new Checking and Savings accounts on the same day and enter your details during the application. That step can’t be skipped or added later.

Once everything checks out, we’ll deposit $100 into your account.

We’ve made it even easier. Use the form on this page to invite your friend by email. We’ll take it from there and make sure they have everything they need to get started.

Need help? Call us at 800.736.4500. We’ve got answers.

Here’s How
They Get $350**

After your friend opens their new Checking and Savings accounts, they just need to:

  • Enroll in eStatements
  • Set up qualifying direct deposits within 90 days

That’s it. A few simple steps, and they could earn $350. See full terms and eligibility at frontwavecu.com/new-member.

Start Referring Today!

Make sure your friend shares your name & account number so you get the credit!

Disclosures

* Promotion Terms & Eligibility 

To get the $100 bonus, you must be a current Member with a Frontwave Savings account in good standing. Your friend must open new Checking and Savings accounts on the same day and provide your name and account number when applying (this can’t be added later). Their accounts must remain open and in good standing throughout the processing. Once verified, we’ll deposit the $100 into your Savings within 120 days.
 
 Limit one referral bonus per new Member. No self-referrals. Not open to Frontwave employees or volunteers.
 
 Referred individuals must be 18 or older, new to Frontwave, and live, work, worship, or attend school in San Diego, Riverside, Imperial or San Bernardino counties, or meet another SEG or military-based qualification.
 
 Current Members, joint owners, and anyone who has had a Frontwave account closed within the past 18 months are not eligible. Offer effective as of August 1, 2025, and may change or end without notice. A 1099-INT will be issued for tax reporting purposes.
 
** About the $350 New Member Bonus
 
Your friend may earn $350 when they open new Frontwave Checking and Savings accounts, enroll in eStatements, and complete qualifying direct deposits within 90 days of account opening. See full terms and eligibility at frontwave.com/newmember.