Briefing frontwavecu.com
Third Quarter 2020
Frontwave Helps Local Businesses! Frontwave was recently honored with the Community Response Award from the North San Diego Business Chamber for our response to the COVID-19 crisis. In the spirit of fighting for our Members and our community, in April, Frontwave quickly sought and was granted SBA approval to accept applications for the Paycheck Protection Program, a forgivable loan program designed to help small businesses weather the coronavirus pandemic. We’re proud of our dedicated team who has worked long hours to help fund over 169 loans for local businesses. The thanks and gratitude of the business owners we’ve been able to help is a testament to our WHY – and a clear example of the credit union difference. Here are just a couple of the amazing responses we’ve received. “After being sidelined by my current bank of many years on the PPP process, Frontwave came to the rescue. They submitted our application, made sure all was correct, and approved us for consideration within three days. From the start of the process with Bill, then Wendy, then Lindsy, all the way down to the lady at the branch, [the] service, availability, and response have been immediate, consistent, and friendly. I am moving all my accounts to [Frontwave]. It was refreshing to deal with a smaller bank and not feel so invisible.” —Zell Dwelley, co-owner of the Beach Break Café, Oceanside, CA “To say we are grateful for the time and effort put in by everyone at Frontwave Credit Union to secure a PPP loan for us is not enough! We didn’t know if our business was going to survive! Due to the pandemic, we had to significantly reduce our staff [and] lay off several of the people who make The Rehab Group the great company that it is… Now because of the exemplary experience and commitment of the employees at Frontwave, using the funds received, we can rehire our coworkers and continue to serve our community!” — Marcy Trutalli, owner of The Rehab Group, Temecula, CA
Protect Yourself from Fraud and Identity Theft
A ccording to the Federal Bureau of Investigation, there’s been an increase in scammers capitalizing on people spending more time at home and online recently, using the opportunity to find new victims to defraud. Many of these cases occur when a fraudster convinces the victim to share information that allows them to gain access to the victim’s bank accounts — and possibly even steal the victim’s identity. Never share information such as your online banking username, password, your debit card number, CVV (the three- digit code on the back of your card) or social security number. Don’t share it with a friend — don’t even share it with your mother. Keep in mind, Frontwave will never call, text or email you asking for this information. Be alert for suspicious requests. To help protect yourself and your money, follow these simple tips: Keep personal info to yourself. If someone contacts you claiming to be from Frontwave and asks you to verify your identity or possible fraud by providing your PIN, CVV or a one- time text message code that was just sent to you, do not give it to them . This is a scam. The person is trying to gain access to your account. Call us right away at 800.736.4500 (International: 760.631.8700) to report the incident.
Don’t fall for phishing schemes . These may involve fraudsters posing as Frontwave employees trying to get you to share account information on social media or via email or text message. Frontwave will never ask for account information via these methods. Before clicking on any link, make sure it comes from frontwavecu.com , not a variation like frontwavecu.net or frontwave.com. Secure digital data. Use strong passwords for your digital devices, banking and other accounts. Pick hard-to-guess combinations of upper and lower case letters and numbers. If you’re shopping or banking online, be sure to use a secure browser (look for a lock next to the URL in the browser window). Stay safe on social media. Don’t fall for scams that promise you large amounts of money if you share your online banking information with your social media “friend.” Also be careful not to overshare details about your life. An identity thief could use these to answer “challenge” questions on your accounts, gaining access to your money and personal information. If you’re ever concerned about possible fraud or other suspicious activity, give us a call at 800.736.4500 (International: 760.631.8700). You can also check out the Security page on our website for more tips on protecting yourself.
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