Elite and Elite Plus Checking: Packed with Firepower

Big news: Frontwave is launching two new checking accounts — Elite Checking and Elite Plus Checking. These aren’t ordinary accounts. They’re built to protect your money, save you cash, and give you perks that go way beyond the basics.

What Every Checking Account Gets

Every Frontwave checking account starts strong. You get a free Tap-to-Pay Visa® Debit Card, access to 30,000+ ATMs and 5,000+ shared branches, online and mobile banking with Bill Pay, early direct deposit, local branch support, Courtesy Pay overdraft protection¹ and the peace of mind of NCUA insurance. That is your foundation. From there, you decide how much more power you want. Elite Checking adds extra protection and perks. Elite Plus Checking takes it to the max with family coverage, more value, and premium benefits that will pay for themselves.

Why Members Choose Elite Checking

• Identity protection you can count on: 24/7 identity monitoring* across 1,000+ databases, dark web alerts*, high-risk transaction notifications* and up to $10,000 in expense reimbursement³ if identity theft strikes.
• Credit tools that keep you informed: Monthly score⁴ updates, updated credit reports every six months and planning tools⁵ to track your credit health.
• Cell phone protection³ that works: Covers up to four devices with up to $400 per claim and $800 per year for theft or damage when you pay your wireless bill with this account.
• Buyer’s protection³ and extended warranties³: Eligible purchases get coverage for accidental damage or theft plus extended warranty benefits.
• Wellness that goes beyond banking: 24/7 telehealth⁶* access with no copays, plus prescription, vision, and dental discounts for you and your family (this is not insurance).
• Financial coaching on demand: One-on-one guidance, interactive courses, and resources to help you reach your goals. (available via mobile and web only).
• No paper statement fee: Keep mailed statements without paying extra.⁷  

Elite Checking comes with all these protections and perks for just $6 a month, or free when you keep a $2,500 average daily balance. That’s less than a streaming service for a whole lot more protection!

Elite Plus Checking: Protection with Perks That Go the Extra Mile

Elite Plus takes everything in Elite and turns it up. You get all the same protections and perks, plus even more coverage and savings.

Why Members Choose Elite Plus Checking

• Identity monitoring* and alerts with family coverage: Protect yourself and eligible family members, spot threats early, and recover faster with up to $25,000 in expense reimbursement if identity theft strikes.^3*
• Credit tools that help you plan ahead: Get monthly score⁴ updates, semiannual credit reports, and use the credit score simulator⁴ to test financial decisions before you make them.
• Higher cell phone protection³: Get up to $600 per claim and $1,200 per year for phone damage or theft.
• Buyer’s protection³ and extended warranties³: Eligible purchases get coverage for accidental damage or theft plus extended warranty benefits.
• No out-of-network ATM fees from Frontwave: Use any ATM and skip the Frontwave fee.⁷
• Telehealth⁶ for the whole family: Extends to spouse or domestic partner and up to six dependents ages two and up (this is not insurance).⁵
• Travel & entertainment, and dining discounts: Save on movie tickets, shopping, dining, and more (available via mobile and web only).
• Dividend-earning account with loan discounts: Earn dividends on your balance and get discounted rates on eligible vehicle and closed-end equity loans for extra long-term value.

Elite Plus Checking includes all these protections and perks for $10 a month, or free when you maintain a $5,000 average daily balance. Break your phone once, or book a trip with discounts, and you have already come out ahead!

Everyday Checking: Simple and Free with eStatements

If you want to keep it simple, Everyday Checking is always here. With no monthly fee when you choose eStatements, no minimum balance, and full digital and in-person access, it is the straightforward way to keep your money moving every day.

Three Ways to Bank. One Perfect Fit.

Pick the account that matches your lifestyle. Elite Checking adds protection and perks that cover your day-to-day. Elite Plus Checking delivers maximum coverage, family benefits, and premium savings. Everyday Checking keeps it classic and free with eStatements.

Whichever account you choose, you get the confidence and convenience of Frontwave. The only question is how much value and peace of mind you want built in.