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BillPay

No. BillPay is free for all Trailhead members with Online Banking and a checking account.

If you have a Trailhead checking account, sign in to Online Banking and click the BillPay link to enroll.

BillPay payments will be pulled from the checking account associated with the member number credentials used for signing in to Online Banking.

To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the pay from account and the frequency you want your payments to be automatically scheduled.

Yes, there is a link to “View History” on the Payments page.

If you experience any issues with BillPay, please contact BillPay support by calling 888-246-2172 or using the messaging or live chat features within your BillPay session in Online Banking.

You can pay almost any company or individual in the US, including companies that send you bills, like your electric company, or a person or organization that you owe money to, but don’t necessarily receive a bill from, like your babysitter.

Clicking “add payee” at the top of the payments page will walk you through a one time, step-by-step setup process to gather key information used to send your payments.

  1. Log into Online Banking and click on the BillPay link.
  2. Find the payee you would like to edit and click on their name to get Payee Details.
  3. Click on “Edit Payee”.
  4. Make changes and click “Submit”
  1. Log into Online Banking and click on the BillPay link.
  2. 2 Find the payee you would like to remove click on their name to get Payee Details.
  3. Click on “Edit Payee.”
  4. Check the box next to “I would like to delete this payee.”

Alternatively, clicking the icon to the left of the payee name will hide the payee from the current view in the payments page. Any scheduled transactions and notifications for this payee will not be affected by hiding the payee.

Yes. You may edit or stop a payment prior to 1:00 PM PST on the date the payment is scheduled to process.

Payments can be submitted at any time, day or night. All payments should be scheduled to process before the actual due date. Payments will not be processed on holidays or weekend and will affect the dates available to select when scheduling payments.

Payments are generally made in 3-7 business days, depending on when the payment is made and the type of payee.

Card On/Off

You can log into Online Banking on a personal computer and manage your cards.

If the card is turned off any previously set recurring payments will not take place.

The change takes place immediately.

eStatements

An eStatement is an electronic version of your account statements viewable as a PDF through Online Banking. It is an alternative to paper statements sent through postal mail.

Log into Online Banking via a PC and select eStatements located along the left hand menu. Then select delivery preferences.

Nothing. It is a free service.

  • View and print account statements and notices online 24/7
  • Receive electronic versions up to a week faster than paper delivery
  • Get organized and say goodbye to filing and shredding
  • Reduce the risk of mail fraud and identity theft
  • Save paper, reduce waste, and shrink your carbon footprint

Log into Online Banking and click on the eStatement link.

You will receive an email letting you know that a new eStatement is available to view.

Yes, your personal and financial information is protected behind multiple layers of security.

We will discontinue your paper statements when you sign up for eStatements delivery. You can view, save and print your eStatements at any time, and they are legally the same as the paper version we mail to you.

Yes, your eStatement looks the same as your paper statement and is considered an official document.

Log in to Online Banking and click on the eStatement link. Then click on select delivery preferences at the top and choose “opt-out of eStatements.”

Check images are not available with eStatements, but are available within Online Banking.

You will find up to 2 years of eStatements. However, eStatements begin to accumulate the month following your enrollment.

You will begin to receive eStatements the month following your enrollment because eStatements are not produced for your account prior to your enrollment.

Yes. In order to access BillPay and eStatements, you need to allow “pop-ups” from Trailhead. Many web browsers (such as Internet Explorer or Firefox) have tools to turn on or off text windows called “Pop-ups”. When visiting unfamiliar web pages, it is precautionary to block these pop-up windows as they could be used to display annoying ads or possibly impose a security risk. However, BillPay and eStatements will not work if pop-up blockers are turned on for Trailhead.

If you are enrolled in eStatements, your tax forms will also be available electronically, rather than through the mail.

General Questions

The easiest way to locate your account number is to look at your most recent Trailhead statement. Your account number is in the top right corner on the first page of the statement.

You can also find your member number by logging in to Online Banking or the mobile app. The member number is the first 6 digits listed under any share account.

Online Banking allows you to securely manage your accounts via the internet and a personal computer.

Mobile Banking is an app for Apple and Android devices  that allows you to access your accounts via your smart phone or tablet.

You need an Online Banking username and password to use Mobile Banking. Then, download the Mobile Banking app from Google Play or the App Store. Click “New User Registration” to register your device the first time you use it.

Click on the Settings or the gear icon to bring up Account Settings. Then click on the pencil icon to edit your account nicknames.

The Mobile App is compatible with:

  • iOS devices (iOS 10+) – iPhone, iPad, iPod
  • Android Smartphones (OS 4.4+)

You need an internet connection for Online and Mobile Banking. So, if you are using a mobile device, you will either need a wifi connection or a data plan.

Cookies allow our Online banking website to keep track of whether you have logged in on a particular device or browser. If you have logged in previously, you will not be asked to present an additional piece of personal information when logging in. If you have cookies disabled (or have recently cleared out your browser’s cache) you will be asked to enter in this piece of information every time you login.

Under the Online Banking Login box, click on Forgot Password. Then from the drop-down menu, click on the Forgot or Reset Password tab. Enter the prompted customer verification information. You will then have the option to reset your password.

Passwords must meet the following requirements:

  • Must be between 12 and 20 characters in length
  • Must contain at least one letter, number, and special character
  • Must contain both uppercase and lowercase letters
  • Cannot contain the following special characters: . @ : ~ (Period, At, Colon & Tilde)
  • Cannot be one of your last 3 passwords

Mobile Deposit

Remote Deposit is a simple way to use a mobile device to deposit checks into your account.

Remote Deposit is available through our Mobile Banking app. At this time, it is not available through Online Banking.

When endorsing your checks, please write “For Mobile Deposit Only” below your signature on the back of the check. Checks that do not include “For Mobile Deposit Only” may be rejected.  If your check has a box to indicate mobile deposit, please check that as well.

No. To be eligible, members must have:

  • Mobile Banking app
  • Membership for at least 30 days
  • Current email address in your profile
  • Be in good standing

Deposits that do not require review will show up in your account immediately.  You will receive an email notification if your remote deposit requires review by a Trailhead employee prior to receiving credit in your account. If you are not sure if it worked, please check your account transactions in mobile banking and your email (address that is on file with Trailhead) before trying again. The balance of the credit is subject to normal holds (like the ATM).  Pursuant to Reg CC,  not all check deposits will have an immediate availability and may be subject to up to a 10 day hold based on collectability as determined by Trailhead.

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
  • Any item that is “stale-dated” or “post dated” (typically 6 months unless otherwise indicated)
  • Savings Bonds
  • 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

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 does not include the  “For Mobile Deposit Only” endorsement 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.
  • The MICR number is altered or illegible

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.

No, this is a free service.

Security

Go to the Settings/Help menu. Then from the drop-down menu, click on the Forgot or Reset Password tab. Enter the prompted customer verification information. You will then have the option to reset your password.

Under the Online Banking Login box, click on Forgot Password. Then from the drop-down menu, click on the Forgot or Reset Password tab. Enter the prompted customer verification information. You will then have the option to reset your password.

Passwords must meet the following requirements:

  • Must be between 12 and 20 characters in length
  • Must contain at least one letter, number, and special character
  • Must contain both uppercase and lowercase letters
  • Cannot contain the following special characters: . @ : ~ (Period, At, Colon & Tilde)
  • Cannot be one of your last 3 passwords
  • Having a strong password for your device is the first step in preventing the loss of any personal information if the device is lost/stolen. This is especially true if you use your mobile device for Online Banking services.
  • Contact your carrier as well as your device manufacturer to see if they can assist you in wiping your device remotely. (Some services, such as Google allow you to do this online after you’ve logged into your account).
  • If you had PIN login setup on your lost/stolen device it may be wise to disable this feature by logging into the app on another device and disabling the feature through the ‘Settings’ menu. By disabling the PIN login you can ensure that both your username and password will be required to access the mobile app rather than just a 4 digit PIN (which has the possibility of being guessed).

Fingerprint authentication is currently only available on supported Apple mobile devices.

If you do own a supported Apple device this functionality can be enabled/disabled in the ‘Settings’ section of the app.

  • Set up a strong Online Banking username and password that you do not use anywhere else (e.g. Do not use the same username/password for your email as you do for Online Banking)
  • Do not share your password with anyone, including Trailhead staff.
  • If you believe any of your devices or accounts have been compromised (Malware, hacking, 3rd party breach, etc.) change both your username and password on your account.
  • Set up Account and Security email alerts using the Trailhead Mobile App and Online Banking Service.
  • Keep a close eye on your account balances so that you can recognize any suspicious transactions.
  • Use the Card On/Off functionality within the Trailhead Mobile App and Online Banking service to disable your debit/credit cards when they are not being used.

 

Third Party Site Disclaimer

By clicking this link, you are leaving Trailhead Credit Union’s web site and entering a web site hosted by another party. We do not operate this site, nor are we responsible for its content. Please review the privacy and security policies of the site you are entering, as they may differ from Trailhead’s.

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