Through the use of Smart Authentication, Trax protects you and your account information when you log on to Online banking. Smart Authentication protects the privacy and security of your personal information.  Smart Authentication uses multi-factor choices and layered security checkpoints which you, the user, confirms. When used properly, Smart Authentication assures safe Internet and mobile transactions.

The Trax secure Online Banking System gives you immediate online, mobile and text access to all of your credit union accounts, from the comfort of your home or office. Banking online is easy, convenient and secure. Online banking is the online system that houses many ancillary mobile, remote, text and electronic services. Using Smart Authentication, you have access to all of these services.

One part of the multi-factor process involves the credit union. In some cases as they present themselves through our various access levels, we may require you to verify or answer additional security questions. Whenever an increased risk to a transaction warrants it, we will be able to conduct additional verification procedures, or layers of control such as: voice verification by calling you, verifying your membership through various questions and requests, verifying and identifying suspicious patterns, and establishing dollar limits that require credit union intervention.

With Smart Authentication, you will have peace of mind when you access your account information online. You can be sure that:

Your accounts are secure.

  • Your personal information is carefully protected.
  • You are protected from unauthorized activity on your account.
  • The most important piece of protection on your online accounts and requests involves, you the member. The first defense is your responsibility of protecting your personal and online account access information.

For additional information on protecting yourself online, please visit: