We will be closed on Monday, May 30 for Memorial Day.

Online Banking

Freedom to be an early bird or night owl.
It’s your time, all the time.

Manage your Trailhead accounts anytime, anywhere. All you need is an internet connection and your Online Banking username and password.

To sign up for free Online Banking call 503-220-2592.

Here are some of the benefits you’ll enjoy:

  • Check balances
  • Transfer money within your account or to another account
  • Make loan and VISA payments.
  • Obtain detailed history of account activity
  • View your cleared checks.
  • Download to Quicken/MS Money.
  • Enroll and view eStatements.
  • Pay bills with BillPay.
  • Access your accounts from your cell phone with Mobile Banking.

Log-in from any page on the site on the header.

View your monthly checking and Visa statements electronically through Online Banking, rather than receiving paper statements in the mail.

Enjoy the benefits of eStatements:

  • Fast. As soon as your statement is generated, you’re notified that it’s ready. No more waiting for “snail mail.”
  • Safe. eStatements help guard against identity theft by eliminating paper statements which can sit unprotected in mailboxes and file cabinets.
  • Environmentally friendly. Save a tree by saving the paper your statement was printed on.
  • Secure. Our online services are fully protected with encryption and firewalls.
  • Less clutter. View your statements online whenever you need to, rather than having mounds of paper pile up.

Signing up is simple.

  1. Log into Online Banking from this page. (If you don’t have an Online Banking username and password, call 503.220.2592 to get set up.)
  2. Click on “eStatements” in the left column menu options. (Please note: you must allow pop-ups on your browser for eStatements to work.)
  3. Read and accept the Enrollment and Agreement and provide your email address so that we can send you an email notice when your statement is ready each month.
  4. If you have more than one member number, remember to add eStatements to each of your membership accounts.

Once you are enrolled, you will receive an email notice each month when your statement is ready to view. You may check past eStatements at any time by logging into Online Banking and clicking on “eStatements”.

Spend less time paying bills and more time doing what you love. BillPay is the faster, safer, and cheaper way to pay all of your bills from your Trailhead checking account.

  • Pay all your bills from one central website in just a few minutes
  • Save money on stamps, checks, and trips to the post office
  • Schedule single or recurring payments
  • Track your payment history
  • Receive e-Notifications that let you know when payments are due or a bill has been paid
  • Protect against check fraud with electronic payments instead of unsecured mail
  • Guard against identity theft from lost or stolen checkbooks, bills and statements

To access or enroll in BillPay, please log-in to your Online Banking account. If you need an Online Banking username and password, please call us at 503.220.2592.

For more information on BillPay, please see the following sources:

Please note that you must allow pop-ups on your browser for BillPay to work.

Access your Trailhead account information from your mobile phone. Choose the method that works best for you: Text Banking or a Mobile Application for your iPhone, Android, or other web-enabled mobile device.

Text Banking: Access your account information right from your cell phone, just by sending a text message. Get account balances, view recent transactions, or transfer funds with simple text commands!

Mobile App: We offer a mobile app for nearly every type of web-enabled mobile phone with a data plan. With the Mobile Banking App, you can:

  • View account balances and transactions
  • Transfer funds between accounts
  • Pay bills with Online BillPay
  • Deposit checks with Mobile Deposit
  • Search for CO-OP ATM and Shared Branching locations

Mobile Banking is free to all members enrolled in Trailhead’s Online Banking.

Mobile Applications

iPhone, iPad, or iPod Touch Application: To get started, go to the iTunes app store and download the Trailhead mobile banking app.

Android Application: Access the MarketPlace on an Android device and search for “Trailhead” to download.

Mobile Finance Manager Application for Windows Mobile, BlackBerry, PalmOS Treo phones and most phones that support Java applications.

To get started, go to mobile banking log-in page (https://mobile.mdtsaas.com/183) with your web-enabled mobile phone and log-in with your Online Banking username and password. Then, follow the application download instructions on the screen.

Text Banking Enrollment

  1. Go to the mobile banking log-in page (https://mobile.mdtsaas.com/183) on your PC or web enabled mobile device and log-in with your Online Banking username and password.
  2. Select #7, “Text Banking”
  3. Select “Add a mobile number”
  4. “Agree” to the Terms and Conditions
  5. Enter a valid mobile phone number and click “Continue”. You will receive a text message within a few minutes stating:
    “Please reply Y to subscribe your phone to Trailhead text banking.
    Rply Y to subscribe.
    Rply HELP for more.
    Msg&data rates may apply
    Terms: terms.41411.com”
  6. Respond with text message “Y”
  7. You will receive 2 text messages within a few minutes:
    “Welcome to Trailhead.
    Msg&Data Rates May Apply
    Rply HELP for help
    Rply STOP to cancel
    T&C: t:41411.com”
    “Your phone was subscribed to Trailhead text banking. Please enter the verification code in the enrollment website. Verification code:123456”
  8. Enter the verification code in enrollment website (above code is example only).
  9. You will receive a welcome text message.
  10. The mobile banking website Enrollment Complete page will show the available text commands with examples.

Text Banking Commands

Once your mobile phone is enrolled, you can text a simple command to 41411 and receive a response in seconds:

  • B to fetch all account balances
  • H to fetch the five most recent transactions for all accounts
  • H acct to fetch the five most recent transactions for a specific account (e.g. Trailhead H S01)
  • X source dest amount to transfer dollar amount from source account to destination account (e.g. Trailhead X S05 L01 50.00)
  • HELP to fetch list of available commands
  • QUIT to deactivate Text Banking mobile banking

The commands are not case sensitive. Please note that standard text messaging fees from your phone carrier will apply.

Tap. Snap. Deposit.

trailhead mobileNow Available through our Mobile App: quickly and easily deposit checks using your mobile device.

  1. Log in to your Trailhead Mobile App.
  2. Choose the account to deposit to from the list in the drop down menu (Mobile Deposit is available for Share Savings and Checking accounts).
  3. Enter the amount of the check.
  4. Select “Tap here to take a picture of front of check”. Then select “Tap here to take picture of back of check”
  5. Review your deposit and tap the “submit” button to deposit the check.

Frequently Asked Questions

Q. What is Mobile Deposit?

A. Mobile Deposit is a simple way to use a smartphone to deposit checks into your checking account.

Q. How do I access Mobile Deposit?

A. There is a link on our Mobile Banking app that will display for all members eligible for Mobile Deposit.

Q. Are all members eligible for Mobile Deposit?

A. No. To be eligible, members must have:

  • Membership for at least 30 days
  • Consumer Account (not available for business accounts)
  • Account in good standing
  • Our Mobile App for Apple or Android.

Q. What are the Mobile Deposit limits?

A. $5000 per check and per day.  $10,000 per calendar month.

Q. How will I know the deposit worked?

A. Deposits will show up in your account immediately. If you are not sure if it worked, please check your account transactions in mobile banking before trying again. You will receive Immediate credit of up to $1500 per day.  The balance of the credit is subject to normal holds (like the ATM).

Q. What types of checks cannot be deposited?

A. Unacceptable deposits include:

  • Any item that is stamped with a “non-negotiable” watermark
  • Any item that contains evidence of alteration to the information on the check
  • Any item issued by a financial institution in a foreign country
  • Any item that is incomplete
  • Savings Bonds
  • Any item that is “stale-dated” or “post dated”
  • Any third party check, item made payable to someone other than yourself or other authorized signers on the account
  • Any item with a restrictive endorsement

Q. What are the reasons a deposit through Mobile Deposit could be refused?

A. The system may automatically reject checks for any of the following reasons:

  • The check image isn’t readable
  • The check is folded or torn
  • The check isn’t signed on the front or on the back
  • The check amount doesn’t match what the member entered
  • The check meets one of the definitions above as an item that can’t be deposited through mobile deposit.

Q. Will Mobile Deposit work on all models of iPads?

A. No, at this time, Mobile Deposit is not available on 1st and 2nd Generation iPads. (These have model numbers: A1395, A1397, A1396, A1219, A1337.  The model number can be found on the back of the iPad in very small writing.)

 Q. What should I do with my original check once it’s deposited?

A. We recommend that you store your original check for 30 days (do NOT write “void” on it) and then destroy it to ensure it is not re-presented for payment.

A new kind of branch

Some of you may have a savings account with one credit union, a checking account at another – maybe even a credit card at a third. Now there is a way to manage your accounts at multiple credit unions all in one centralized location. It’s called Sprig and it’s available through your PC, mobile apps, or text banking.

Sprig is a free service that provides a new way to view and transfer money between accounts at different credit unions that participate in Shared Branching.

Sprig is based on the concept of a “wallet”, which you create using one of your credit union accounts. Once you have a Sprig Wallet, you can add more accounts to it, from as many participating institutions as you wish. Through your Sprig Wallet, you can view the balances, available credit, due dates, and transaction history from multiple credit unions all in one place. And you can instantly transfer funds between institutions.

Learn more and get started at www.getsprig.com