Trax Credit Union
Trax Credit Union Limited Edition Checking $500 Bonus
Trax Credit Union pays a $500 bonus dividend when you open a new membership with a Regular Share Account, Limited Edition Checking, a debit card, Online Banking and eStatements, then for three consecutive statement cycles within 120 days receive at least $1,000 in direct deposits, make at least 10 debit card purchases, and sign in to Online Banking each cycle. Paid within 45 days. Membership covers parts of the Tampa Bay area and Polk County, Florida.
- Bonus amount
- $500
- Expires
- Not listed
- Time to complete
- ~120 days
- Paid after opening
- ~165 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 8, 2026
Join Trax and open Limited Edition Checking
Become a new Trax member and open a Regular Share Account and a Limited Edition Checking account with a Trax debit card, Online Banking and eStatements. Membership is for people who live, worship or work in East Pasco, South Hillsborough, East Tampa, Polk County or Winter Haven, Florida, plus member family, Select Employee Groups and CSX Railroad employees. Online opening needs a $5 deposit.
$1,000+ direct deposits in each of 3 straight cycles
Receive at least $1,000 in aggregate direct deposits during each of three consecutive statement cycles within the first 120 days.
10 debit purchases in each of those cycles
Complete at least 10 posted Trax debit card purchases during each of the same three statement cycles. ATM withdrawals and Zelle transactions do not count.
Sign in to Online Banking each cycle and keep eStatements
Sign in to Online Banking at least once during each of the three statement cycles and stay enrolled in eStatements.
The $500 bonus dividend is paid within 45 days after all requirements are completed.
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Account Details
- Waived when you keep a direct deposit of any amount and eStatements.
No early-closure clawback stated in the promotion terms.
Eligibility
New Trax members and new checking holders only. Not available if you have a Trax checking account now or closed one on or after January 1, 2026.
- Membership: live, worship or work in East Pasco, South Hillsborough, East Tampa, Polk County or Winter Haven, Florida; immediate family of members; employees of Trax Select Employee Groups; CSX Railroad employees and retirees.
- Trax employees are not eligible.
Tips & Gotchas
- The three qualifying statement cycles must be back to back and fall inside 120 days. Missing one cycle restarts the count.
- That is 30 debit purchases in total. Small purchases like coffee count; ATM withdrawals and Zelle do not.
- The promo page's Start Your Application button opens a contact form, not an application. Trax follows up to open the account.
- Keep a direct deposit and eStatements to avoid the $3.95 monthly fee.
- The up-to-$1,500 headline adds a 5.00% APY dividend on $10,000 and a $500 car loan bonus. Only the $500 checking bonus is listed here.
Can You Earn This Bonus Again?
Fine Print
Available only to new Trax members and new checking account holders; the primary member must be at least 18. Not eligible if you currently have a Trax checking account, closed one on or after January 1, 2026, or are a Trax employee. The $500 Limited Edition Checking Bonus Dividend requires a new membership with a Regular Share Account, Limited Edition Checking Account, Trax debit card, Online Banking and eStatements, and, within the first 120 days, during three consecutive statement cycles: at least $1,000 in aggregate direct deposits each cycle, at least 10 posted Trax debit card purchases each cycle (ATM withdrawals and Zelle excluded), at least one Online Banking sign-in each cycle, and eStatements enrollment. Paid within 45 days after all requirements are met. Limited Edition Checking uses the Basic Checking fee schedule; a $3.95 fee applies without direct deposit of any amount and eStatements. Trax may withhold a payout for accounts opened to migrate existing activity or abuse the offer. The offer may be modified or terminated at any time. Bonuses are reported to the IRS.
Taxable income · Reported on 1099-INT
Related Articles
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
Also see: this month's best bank bonuses and community DD data points.
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