
online banking
Stay connected to your accounts whenever and wherever you need to, without slowing down. With our 24/7 digital branch, you can manage your accounts, transfer funds, pay bills, and so much more — right from your computer.
- Manage your accounts anytime, anywhere with internet access
- Pay one-time or recurring bills with EZ Pay
- View account balances and history
- Access your eStatements
- Transfer funds between accounts


Mobile banking
Skip the trip to a branch and access your accounts right from your mobile device! Check account balances, make loan payments, deposit checks, and more — wherever the journey takes you.
- Keep track of your accounts on the go1
- Effortlessly deposit checks with Remote Deposit
- Turn your debit cards on/off
- View account balances and history
- Access your eStatements
- Transfer funds between accounts
Send & receive money in a flash!
Whether you're splitting the cost of a meal, sending a gift, or planning a trip, Zelle® makes it easy to pay your share.
- Instantly send and receive money with anyone you trust
- No sending fees, ever
- Send money securely from within the app


Credit Score by SavvyMoney®
Get smart about your credit with SavvyMoney®! Instantly access your latest credit score and full report, monitor your credit in real time, and more, right from Online Banking.
- Free credit score and report checks
- Explore decisions with the Credit Score Simulator
- Personalized offers based on your score
- Real-time monitoring alerts for score changes and inquiries
- View your credit report from anywhere
- Set goals and track progress to improve your score
Stay in the know wherever you go
Get text notifications about account activity, stay informed on the go, and enjoy added confidence knowing important updates are just a message away.
- Receive immediate alerts about account activity
- Customize your alerts for each account or loan
- Free service that works with any mobile device with text messaging1
- Must be enrolled in Online Banking


eStatements
Tap the brakes on paper clutter and switch to eStatements! Free, secure, and right in the palm of your hand, eStatements are a safer, quicker alternative to traditional paper statements.
- Fast, free, and easy alternative to paper statements
- Minimize your risk of fraud and identity theft
- Simplify recordkeeping with 2 years' worth of eStatements
Mobile Wallet
Move a little faster — ditch the plastic! Add your Trax debit or credit card to your mobile wallet and enjoy a safer, easier way to pay.

FAQs
No paperwork is needed to enroll in Online Banking. Simply contact us during regular business hours and request to enroll. If you choose to enroll online, the process is multi-step and will take several minutes (for security reasons). You can follow our Online Banking enrollment instructions.
External Transfers allow you to securely move money between your Trax Credit Union account and eligible accounts at other financial institutions. Once your external account is linked and verified, you can schedule one-time or recurring transfers through Online or Mobile Banking.
Mobile Banking allows you to bank on your own terms, access your accounts, transfer money, make deposits, and more on the go.
To activate Mobile Banking:
- Download the Trax CU app on your mobile device.
- On your mobile device, log into Online Banking.
- Once you’re in Online Banking, click on Services then Device Activation to retrieve the code needed to complete your activation.
There is no fee for External Transfers.
Once you log in, you will see a listing of all your accounts and their available balance. Simply click on the account you would like to access to view more information, make deposits, make transfers, or pay loans that you have with us.
With regard to security, Mobile Banking employs industry best practices. Our mobile services offer the following security safeguards:
- Â Fully encrypted, end-to-end using SSL
- Â Username and password required
- Â Uses the same username and password as online banking
- Â Multi-Factor Authentication (MFA) supported
- Â eAlert is secure because neither your account number nor detailed personal information is transmitted via text message. Trax CU text banking will never send unsolicited text messages.
I had a very nice experience today refinancing my vehicle with Railroad & Industrial Credit Union. They are under renovation and are very organized with compensating for the limited space. Frank Fortner was very helpful and experienced in his field and made it a very easy and pleasing experience. They cut my rate IN HALF! Peter Giorgianni was also a great help with making everything happen. I would HIGHLY suggest using them for financing, a mortgage, or opening an account with them!!!
I have gotten a few Auto Loans at RIFCU. Great experience and I would highly recommend them for an Auto Loans. Their representative Shanna is a true professional. Each time she had gotten a prompt approval, answered all my questions, and made the process easy.
I have been banking with Trax (formally railroad and industrial credit union) for well over 35 years! I have not once had a bad experience. I wanted to compliment my recent experience at the Winthrop Branch as I needed to make two wire transfers, and I also needed to pull some funds out of an IRA account. All of these transactions went as smooth as possible. The only hiccup was my fault for incorrectly, filling out the transfer forms multiple times! lol! The teller that was dealing with me was extremely patient and helpful. I have dealt with Jim, the bank manager multiple times and he is very laid-back, and very easy to conduct business with!
The service and attention to detail from start to finish of my entire loan process was A++++. Ashley S. took very good care of me and went out of her way to ensure the loan process went smooth, she even took time to explain processes to the dealership over the phone when they couldn't figure things out. I highly recommend this credit union and if your lucky to get Ashley S. in the process just know your in good hands.
I love my credit union #TraxCU. Customer service is amazing. I recently spoke with Ashley S. and she was fast and efficient. Very good with communication. I advise everyone to bank with Trax.
I applied for a Christmas loan and received it in just one day!! It was so simple to complete the process. I give a lot of credit to Ashley S. She was so pleasant to deal with and was at the top of her game! Very cheerful, pleasant and made me feel special. Great job! 👌
Ashley Shipley at the credit union delivered exceptional service from start to finish. I needed assistance closing my credit card account, and she handled the entire process with professionalism, clarity, and efficiency. She took the time to clearly explain each step, ensured there were no outstanding issues, and made sure I understood exactly what to expect moving forward. There was no confusion, no runaround—just straightforward, competent service. That level of transparency and attention to detail is rare, and it made what could have been a stressful process feel simple and organized. What stood out most was Ashley’s calm, confident demeanor and her willingness to go the extra mile to make sure everything was handled correctly the first time. She was thorough, responsive, and genuinely respectful throughout the interaction. It’s clear she takes pride in her work and values the members she serves. If you’re working with this credit union, ask for Ashley—you’ll be in capable hands. Five stars without hesitation.

1Wireless carrier data rates may apply. You will be charged access rates depending on your carrier. Web access is needed to use mobile banking. Check with your service provider for details on specific fees and charges.