Shared Branching allows you to conduct many everyday banking transactions at participating credit unions nationwide, just as if you were visiting a Trax Credit Union branch.

What is a money order?

A money order is a prepaid payment method that can be used as a secure alternative to cash or personal checks.

What's the difference between a credit union and a bank?

The biggest difference is ownership. Credit unions are not-for-profit financial cooperatives owned by their members, while banks are for-profit institutions owned by shareholders. Because of this, credit unions often return earnings to members through competitive rates, lower fees, and personalized service. At Trax Credit Union, our focus is helping our members achieve their financial goals — not maximizing profits.

Where can I find a Shared Branch?

You can use our branch locator or the CO-OP Shared Branch locator to find participating locations across the country.

How does a money order work?

You purchase the money order for a specific amount, fill in the recipient's information, and provide it as payment.

Who can join Trax?

Employees or retirees of CSX Railroad Employees, members of Trax Company Groups Employees, members of Select Employee Groups, family members of current members in good standing, or anyone who lives, worships, or is employed near a branch.

Can I do anything at a Shared Branch that I can do at a Trax location?

Most routine transactions are available, including deposits, withdrawals, transfers, making loan payments, and purchasing money orders and official checks. Some specialized services may only be available at Trax branches.

What information do I need to complete a money order?

You'll need the recipient's name and total dollar amount. Be sure to keep your receipt for your records.

How do I become a member?

To open your account online a minimum of $5 to deposit into your account is required. Additional required documents are as follows: Government Issued Identification or Passport, Current Physical Mailing Address (No PO Box), Social Security Number, and Date of Birth.

To open your account at a branch, we will need: Valid Driver's License and Social Security Card.

To open your account by mail we will need: Copy of your Valid Driver's License and a copy of your Social Security Card. Your signature on the application must be notarized.

What do I need to complete a Shared Branching transaction?

You will need:

Your home credit union's name
Your account number
Valid government-issued photo identification (i.e. state driver's license or US passport)

What's the difference between a money order and a personal check?

A money order is prepaid and guaranteed up to its purchased amount, while a personal check draws funds directly from your checking account.

Is there a fee to become a Trax member?

There are no fees to become a member.

How do surcharge-free ATMs work?

Trax members can use participating surcharge-free ATMs to withdraw cash without paying the ATM owner's surcharge.

Can a money order be replaced if it's lost?

Yes. A lost money order may be replaced after a stop payment is requested. Additional requirements and fees may apply. Please contact Trax Credit Union for assistance.

Can I keep my membership if I move?

Yes! We offer Shared Branching services that allow you to use member credit unions nationwide as if it were your home branch to do a number of transactions, including: deposits, withdrawals, loan payments, transfers between accounts, purchase money orders and cashier’s checks, and more.

Where can I find a surcharge-free ATM?

Use our ATM locator to find thousands of surcharge-free ATMs nationwide.

Can I join online?

Yes. You may apply for your membership online.

Can I do anything at a Surcharge-Free ATM that I can do at a Trax ATM?

Available services vary by ATM, but most allow cash withdrawals, balance inquiries, and sometimes deposits or transfers.

How does a wire transfer work?

A wire transfer electronically sends money directly from one financial institution to another.

What's the difference between a wire transfer and an ACH transfer?

Wire transfers are generally processed the same day and are intended for faster, often higher-value transactions. ACH transfers typically take one to three business days and are commonly used for payroll and bill payments.

Can I send money internationally with a wire transfer?

Yes. Trax Credit Union offers international wire transfers to eligible destinations with an International Wire Form. Contact us or visit a branch to learn about available countries, required information, applicable fees, and processing times.

How long does a wire transfer take?

Domestic wires are often completed the same business day if submitted before the daily cutoff time. International transfers may take longer.

What information is needed to send a wire transfer?

You'll typically need the recipient's name, financial institution, routing or SWIFT code (if applicable), account number, and transfer amount.

How can I protect myself from wire transfer fraud?

Always verify wiring instructions directly with the recipient using a trusted phone number. Never rely solely on emailed instructions, especially if payment details have changed unexpectedly.

How do I initiate a wire transfer?

Visit a Trax branch or contact us for assistance. Our team will guide you through the required information and verification process.

Are my box contents insured?

The contents of the safe deposit box are not insured by us or any government insurance program.

What happens if I lose my safe deposit keys?

If you lose your Safe Deposit Box keys, please notify Trax Credit Union immediately. You will be responsible for any reasonable costs associated with replacing the keys or drilling and rekeying the box if necessary.

Can I keep cash or guns in my safe deposit box?

You should not store cash, firearms, explosives, or other hazardous or illegal items in your Safe Deposit Box. Safe Deposit Boxes are intended for important documents, valuables, and other items that require secure storage. If you have questions about what can be stored, please contact your local branch.

What if I don’t pay my box rent?

If your Safe Deposit Box rent remains unpaid for three months after it’s due date, we will notify you via certified mail to your last known address and provide an opportunity to bring your account current. If payment is not received within 30 days of the notice, your box may be subject to restricted access, late fees, and other actions as outlined in your Safe Deposit Box agreement. If you have questions or need assistance, please contact your local branch.

If I am unable to access my box, can I authorize someone else to be responsible for its contents?

Only individuals listed on the original Safe Deposit Box agreement are authorized to access the box and its contents. In certain situations, a valid Power of Attorney may also be permitted. Please contact your local branch for assistance and to determine eligibility in this instance.

Who is authorized to access and remove content from my safety deposit box in the event of my death?

An executor, personal representative, or other court-authorized individual may be granted access with the appropriate legal documentation.

What types of documents can be notarized?

We can notarize most documents that are not on our restricted list. We cannot notarize certain documents prohibited by law or Trax Credit Union policy. If you're unsure whether your document is eligible, please contact your local branch before your visit.

Do I need an appointment for notary services?

No appointment is necessary. Simply visit any Trax Credit Union branch during regular business hours, and a notary will be happy to assist you.

What should I bring to a notary appointment?

We recommend bringing a valid government-issued photo ID and any documents you need notarized.

What forms of identification are accepted?

A current government-issued photo ID, such as a driver's license, state ID, passport, or military ID, is typically accepted.

Are notary services secure?

Yes. Notaries verify the identity of each signer and help deter fraud by witnessing signatures in person.

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3710 N. 50th Street, Tampa, FL 33619

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263183049

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236777

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