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Coronavirus Update: Learn more about our response to the COVID-19 outbreak.

Our Old Town Branch lobby remains open Monday – Friday, 10am-3pm. Our Division and Mississippi Branches are temporarily closed.

Checking Accounts

Kasasa Cash Checking is a free checking account that rewards you with cash through massive dividends and ATM fee refunds when you meet monthly qualifications like using your debit card, receiving eStatements, and having an ACH transaction.

Premium Checking is a free checking account with all of the extra services you need, and no need to change the way you like to bank.

If you know the old PIN, you can change it by calling 866-599-5617 and select option 3 to change the PIN.  If the existing PIN is not known, you will need to call the credit union to have Card Services reset the card. After the card is reset call the activation line at 866-599-5617 and select option 1 to activate and set a PIN.

For security purposes, we do not have access to PINs. If you have forgotten your PIN, please call our Card Services department to reset the PIN. Then you will need to call the activation line at 866-599-5617 and select option 1 to activate and set a PIN.

Yes, please notify us when you are traveling so that we can put a travel note on your account. Please ensure we have a good phone number so Visa’s Fraud Prevention system can reach you to confirm or deny any purchases that seem out of the ordinary.

A debit card for a new account should arrive via USPS in 7-10 business days.  For cards nearing the expiration date, a new reissued card with expanded expiration date will arrive via USPS early in the month of expiration.

The first time you order checks you need to contact a Member Service representative at 503.220.2592 so we can get them ordered. After the first order you can continue to call in or order them yourself through Online Banking.

APY stands for Annual Percentage Yield. It refers to how much money you earn on a deposit over a year, taking into account compounding interest.

Your funds at Trailhead are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA). IRA accounts are insured separately up to $250,000.

Electronic Transfers and Wires

Trailhead’s routing number is 323075563.

For an ACH or Electronic Transfer to Trailhead, please provide the following information:

  • Trailhead Routing & Transit (ABA) Number: 323075563
  • Your Name and 6-Digit Account Number: ____ ____ ____ ____ ____ ____
  • Specify whether deposit should go to Checking or Savings

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of credit and debit transactions in batches. ACH credit transfers include direct deposit, payroll, and vendor payments. ACH direct debit transfers include consumer payments on insurance premiums, mortgage loans, and other kinds of bills.

When you authorize a merchant to debit your account, the merchant should include information, or a statement, about the timing of the payment.

  • Keep your account information (name, address, phone, email) up-to-date. This is important for Trailhead and merchants in case either party needs to get in touch with you.
  • Frequently review your statements and transaction history. Consider signing up for account alerts via Online or Mobile Banking so you know when payments and deposits occur.
  • As with any check you write or payment you make, always confirm you have sufficient funds in your account. Online Banking and using account alerts make for easy monitoring.
Receiving Financial Institution ABA /Routing Number311990511
Receiving Financial Institution NameCatalyst Corporate Federal Credit Union
Receiving Financial Institution Address6801 Parkwood Blvd Plano, TX 75024
Further CreditTrailhead Credit Union
Account Number323075563
Beneficiary Account NumberMember’s account number
Beneficiary NameMember’s name (as it appears on account)

Individual Retirement Accounts

An IRA account at the credit union is an insured tax shelter. You can make deposits into it and have them insured up to $250,000. The rate of return on IRAs at the credit union are set by the credit union and you have a choice to use the IRA Share Savings, and/or an IRA Certificate of Deposit. Your employer would be the best source of information on what they offer.

This amount is determined by the IRS and can be found here: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits

Both Traditional and Roth IRAs provide tax breaks. But it’s a matter of timing when you get to claim them. Traditional IRA contributions are tax-deductible on both state and federal tax returns for the year you make the contribution; withdrawals in retirement are taxed at ordinary income tax rates. Roth IRAs provide no tax break for contributions, but earnings and withdrawals are generally tax-free. Please consult your tax professional or financial planner for further guidance.

You can take a withdrawal at any time, but there may be tax implications for doing so if it is before retirement age. We do not provide loans from IRAs at the credit union.

Regulation D

Regulation D is a federal regulation that limits the number of preauthorized, automatic, electronic, or telephone withdrawals or transfers from the following account types to six per month per account. It does not affect any transfers or withdrawals on these account types made in person at a branch or ATM.

  • Share Savings
  • Kasasa Saver
  • Money Market Savings
  • Certificate Accounts
  • Individual Retirement Accounts (IRA)

If you do exceed this limit within a month, your transaction may be refused or reversed, and your account may be subject to a fee or closed.

  • Transfers, withdrawals, or payments to third parties over the phone with a Member Service Representative
  • Transfers, withdrawals, or payments to third parties using Online Banking or Mobile Banking
  • Transfers, withdrawals, or payments to third parties initiated through email or fax
  • Overdraft transfers
  • Preauthorized transfers and payments including ACH debits
  • Automatic transfers between accounts

Regulation D only affects preauthorized, automatic, electronic or telephone transfers. If you reached your limit on these types of transactions, you may still perform unlimited transactions in person, by mail, or at an ATM.

There are several ways to avoid Regulation D transaction limitations. The following transactions can be performed without any restriction from Regulation D:

  • Transactions performed on a checking account
  • Transactions performed at an ATM
  • Transactions performed in person at a branch (including Shared Branches)
  • Transactions performed through the mail
  • Transfers to pay loans at Trailhead
  • Telephone withdrawals in which a check is mailed directly to you and is payable to you

Savings Accounts

Your Regular Share Savings account establishes your membership and buys you a “share” in the Credit Union. All members must have a Regular Share Saving account.

Kasasa Saver is a free, high-interest savings account linked to your free Kasasa Cash checking account. The rewards you earn on your Kasasa Checking account are automatically deposited into your Kasasa Saver account every month.

APY stands for Annual Percentage Yield. It refers to how much money you earn on a deposit over a year, taking into account compounding interest.

Your funds at Trailhead are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), a division of the National Credit Union Administration (NCUA). IRA accounts are insured separately up to $250,000.

Money Market Savings is a tiered savings account with rates that get higher with higher balances. It is a liquid account with a $2500 minimum deposit.

Yes, Money Market Savings is subject to transactions limits through Federal Regulation D, which limits most types of withdrawals to six per month per account.

With a Certificate Account, you’ll earn higher dividends than with a regular savings account and your rate will be locked in for the term of the Certificate.

Third Party Site Disclaimer

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