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.

How do External Transfers work?

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.

What is Mobile Banking?

Mobile Banking allows you to bank on your own terms, access your accounts, transfer money, make deposits, and more on the go.

How do I activate Mobile Banking?

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.

Is there a fee for External Transfers?

There is no fee for External Transfers.

How do I view my account information?

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.

Is Mobile Banking secure?

With regard to security, Mobile Banking employs industry best practices. Our mobile services offer the following security safeguards:

Fully encrypted, end-to-end using SSL
Username and password required
Uses the same username and password as online banking
Multi-Factor Authentication (MFA) supported
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.

Can my joint account owner have a separate login?

Yes. Each account owner can create and use their own Online Banking login. Since online banking profiles are tied to each individual's Social Security number, every joint owner can securely access the shared account using their own username and password.

Are External Transfers secure?

Yes. External Transfers are protected by encryption and multiple layers of security to help keep your financial information safe.

How do I/Can I receive alerts for my account?

To receive alerts for your account(s):

Log in to Online Banking.
Go to the Main Menu.
Select Settings under the User Profile section, then select Edit Email. If you’ve already signed up for eAlerts, your email address should appear in this section.
To add another email address click the add button and enter your email address.
Next, check the eAlert box next to your email address to activate this program.
A disclosure will pop up. Please agree to the disclosure and save.
Select Services and then click eAlerts. Next, click the add button.

How do I add an external account?

Log into Online or Mobile Banking, navigate to Transfers, then External Account Management, and follow the prompts to add an external account.

Verification may be required before transfers can begin.

Can I add my credit card to a mobile wallet?

Yes, our cards are eligible to be added to your mobile wallet.

How do I/Can I create eAlerts?

To create eAlerts in Online Banking:

Select the account suffix (checking, savings, money management, etc.) you would like to monitor.
Select the type of alert you want to receive, the comparison, and a numeric value that will trigger your notification.
At the bottom, select the email address you want to receive the eAlert notification and click submit.
eAlerts will be sent automatically with the message “You have an eAlert!” from Trax Credit Union.
You may add or delete an eAlert at any time.

Can I transfer money anytime with an External Transfer?

Yes. You can schedule transfers through Online or Mobile Banking at your convenience.

Can I reset my own password in Online or Mobile Banking?

Yes. If you've forgotten your password, simply select "Forgot Password" in the Online or Mobile Banking login screen and follow the prompts to securely reset your password.

How long does an External Transfer take?

Most ACH External Transfers are completed within 2-3 business days, depending on the financial institutions involved. Transfers scheduled on weekends or holidays will begin processing on the next business day.

What if I get locked out of Online or Mobile Banking?

If you're locked out of your Online Banking account, please contact the Trax Call Center at 813-800-8729. After verifying your identity, a representative can unlock your account so you can regain access.

Do I need to visit a branch to transfer funds with an External Transfer?

No. External Transfers can typically be completed entirely through Online or Mobile Banking.

What is a mobile wallet?

A mobile wallet is a digital wallet on your mobile device that can store your credit/debit cards, IDs, boarding passes, and other important documents. Cards added to a mobile wallet can be used to make both in-person and online purchases.

Can I add both my debit and credit cards to my mobile wallet?

Yes, you may add both your debit and credit cards to your mobile wallet.

How do I add my cards to a mobile wallet?

Once your device is enrolled or enabled for the specific wallet, paying with your device is simple. To enroll, follow the on-screen instructions for the type of wallet you’re loading.

Is using a mobile wallet safe?

Yes, because of encryption, card data is never directly transmitted to retailers.

Where can I use my mobile wallet?

You can use your mobile wallet at any store or online retailer that accepts Apple Pay®, Samsung Pay®, Google Pay, and Visa® Checkout!

How does Bill Pay work?

Bill Pay (EZ Pay) lets you pay bills quickly and securely from your Trax account through Online or Mobile Banking. You can make one-time or recurring payments to businesses, helping you manage your bills in one convenient place.

How do I sign up for Bill Pay?

No additional sign-up is required. Bill Pay (EZ Pay) is available through the Trax Mobile Banking app, so you can start paying bills once you're enrolled in Mobile Banking.

Can I set up automatic payments with Bill Pay?

Yes. You can schedule recurring payments for bills that are due on a regular basis, so you never have to worry about missing a payment.

Will I get Bill Pay notifications?

Yes. You can opt in to receive reminders and notifications about your scheduled Bill Pay payments.

Is Bill Pay secure?

Yes. Bill Pay is a secure service available through Online and Mobile Banking, helping protect your payment information and account details.

Do I need to write checks to pay bills?

No. Bill Pay allows you to pay eligible businesses electronically, eliminating the need to write and mail paper checks for most payments.

Does Bill Pay cost extra?

No. Bill Pay is a free service available with your Trax Credit Union account.

How long does Bill Pay take to process?

Bill Pay processing times vary based on the payee and payment method.

Is Bill Pay available 24/7?

Yes. You can access Bill Pay through Online and Mobile Banking anytime, day or night.

Are all checks eligible for mobile deposits?

No. Certain checks are not eligible for Mobile Deposit, including checks over $5,000 and other ineligible items. Please refer to the list of ineligible items before submitting your deposit.

What is not eligible for mobile deposits?

The following are not eligible for mobile deposits:

Checks drawn on a foreign bank
Money orders
Travelers checks
Checks payable to an individual not on the account
An item drawn on your account at Trax Federal Credit Union
An item that contains evidence of alteration
A stale, expired, or post-dated item
Any item that has been re-deposited or returned, such as “non-sufficient funds” or “refer to maker”, or any other reason
Incomplete checks – an item that does not contain signature(s) of the maker, proper endorsement signature(s), and/or is missing any of the required keyed information
Third-party checks – an item issued by an individual (1st party) made payable to another person (2nd party) and then signed over to a third person (3rd party)
Checks made payable to a custodial and/or account governed by the Uniform Transfers to Minors Act
Checks made payable to a living trust or to a trustee(s) of a living trust
Checks to be deposited into a Representative Payee Account, Guardianship Account, IRA, Share Certificate, or business account

Is there a hold for mobile deposits?

Funds from mobile deposits may be subject to a hold based on the check amount, check type, account history, where the check is drawn from, and Regulation CC requirements. If a hold is necessary, it will be determined after review by a Trax representative.

How do I endorse my check for a mobile deposit?

When you endorse your check for mobile deposit, please sign your name and write "For Mobile Deposit Only at Trax Credit Union” along with your account number.

How do I make a mobile deposit?

To make a mobile deposit:

Take a picture of the front and back of your check, following the on-screen instructions (make sure you sign it)
Select the checking account into which you want to make the deposit
Enter the check amount
Verify that everything on the screen is correct, then submit it
We'll confirm that the check has been received

What do I do with my check after I make my mobile deposit?

After your mobile deposit has been accepted, keep the original check in a safe place for a period of time in case it's needed for verification. Once you have confirmed the deposit has been processed and posted to your account, you should securely destroy the check to prevent it from being deposited again.

What is Card Controls?

Card Controls is a feature within Online and Mobile Banking that lets you manage your Trax debit and credit cards. You can lock or unlock your card, receive transaction alerts, and monitor card activity — all from your mobile device.

Where do I find Card Controls?

For Debit Cards:

Log in to Online or Mobile Banking
Select Card Controls from the Menu

For Credit Cards:

Log in to Online or Mobile Banking
Select Visa from the Menu

Do I need to add my card to use Card Controls?

No. Your eligible Trax debit and credit cards will automatically be eligible for the Card Control feature when you log into Online or Mobile Banking.

Will I get notifications through Card Controls?

Yes. You can choose to receive alerts for card activity, helping you stay informed about purchases and other transactions on your account.

If I lock my cards in Card Controls, does it lock immediately?

Yes. Once you lock your card in Card Controls, new transactions will be declined until you unlock it.

How do I enroll in eStatements for my account?

To enroll in eStatemtents:

Log in to Online Banking.
Go to the Main Menu.
Select Settings under the User Profile section.
Select Edit Email and follow the instructions.

To enroll in Visa eStatements:

Select Services, then select Visa.
You’ll be redirected to Visa's secure online site.
Then, select Online Services and follow the instructions.

Are eStatements secure?

Yes. eStatements are securely stored within Online and Mobile Banking, helping protect your financial information. Because they're accessed through your secure account, they reduce the risk of lost or stolen paper statements while providing convenient access whenever you need them.

How far back can I view my eStatements?

You can view eStatements from up to two years ago.

Can I access my eStatements anytime?

Yes. You can access your eStatements anytime through Online or Mobile Banking, giving you secure, convenient access whenever you need them.

Can I download or print my eStatements?

Yes. You can download and print your eStatements at any time through Online or Mobile Banking for your personal records or other documentation needs.

How quickly can I view my statement with eStatements?

Your eStatements are available on the first of the month.