Phone Banking

1. How do I access Mobile Phone Banking?
You must have Extraco E-Bank access and an internet-enabled mobile phone. Simply enter Extraco's Mobile Phone Banking URL - mobile.extracobanks.com - into the browser on your internet-enabled wireless phone and then log in using your existing Extraco E-Bank user name and password.

2. How do I know if my phone is internet-enabled?
If you have a MiniBrowser, MicroBrowser or Wireless Web on your phone's main menu, then it is internet-enabled. Contact your mobile phone carrier to confirm that your phone is internet-enabled and that the service is activated. Extraco is not responsible for any 3rd party fees generated from use of this service.

3. Can I use Extraco's Mobile Phone Banking if I don't have E-Bank?
No. You must have an E-Bank user name and password in order to use Mobile Phone Banking.

4. Which mobile phones are supported by Mobile Phone Banking?
You can access Mobile Phone Banking from any internet-enabled mobile phone (such as WAP phones), PalmOne OS device, Pocket PC, Apple iPhone, or RIM Blackberry device. Extraco is not responsible for any 3rd party fees generated from use of this service.

5. How does Extraco's Mobile Phone Banking handle security?
Extraco's Mobile Phone Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, our vendor's servers and Extraco's web servers is encrypted using the Secure Socket Layer (SSL) layer.

6. Is there a fee to use Mobile Phone Banking?
No. Extraco does not charge for use of its Mobile Phone Banking. Standard data plan and text message rates apply. Extraco is not responsible for any 3rd party fees generated from use of this service.

7. I keep getting locked out of my account when I try to log in on my mobile phone. Why doesn't it accept my log in information?
Using your mobile phone to enter data takes a little practice. Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lower-case letter, you may need to use your phone's shift key to change the default from upper case. In addition, some phones require extra shift key presses to enter numbers instead of letters.

8. What happens if I get locked out of Extraco's Mobile Phone Banking?
As with Extraco E-Bank, you must call the Customer Care Center to reset your password. Once your password is reset, you must specify a new E-Bank password on your PC. For security reasons, you may not specify your new password on Extraco's Mobile Phone Banking. Once your password is set up on your PC, you may use your user name and new password to log in to Extraco's Mobile Phone Banking.

9. Why can't I see the first few transactions of my account history?
Due to the screen size on the mobile phone, only a limited amount of information can be displayed. Some mobile phones take you to the middle or bottom of a new page instead of the top. To make sure you are at the top of the page, use the up arrow key on the phone to scroll all the way to the top of the page. If you want to view more information below, use the down arrow key to scroll down until you come to a "More" link. When you click on "More," it will take you to the next page of information.

Pocket PC Devices

1. I am able to view the home page of Extraco's Mobile Phone Banking on my Pocket PC, but when I attempt to log in I get an error message.
When you attempt to gain access to a secure Web site from Windows CE, you may receive the following error message: "Unable to establish secure connection." Microsoft Pocket Internet Explorer may issue either of the following error messages: "The page you are looking for cannot be found." or "Unable to establish secure connection." To resolve this issue, update to the Microsoft High Encryption Pack for Pocket PC and synchronize your Pocket PC. For more information and to download this update, go to: http://www.microsoft.com/windowsmobile/downloads/highencryption.mspx

PalmOne Handhelds

1. How do I access Extraco's Mobile Phone Banking on my Palm?
First, please ensure that your PalmOne Handheld has an Internet connection via a wireless Internet service provider (Wireless ISP). Once you verify that you can connect to the Internet, you can access Extraco's Mobile Home Banking by simply entering the following URL in your browser: mobile.extracobanks.com

RIM Blackberry Phones

1. How do I access Extraco's Mobile Phone Banking on my RIM Blackberry Pager?
You must ensure that you have a browser, such as the Go.web browser, installed on your RIM Blackberry. If you are not sure if your RIM Blackberry has a browser installed, please check with your service provider. Once you verify that you have a browser, you may simply enter our URL in your browser: mobile.extracobanks.com Extraco is not responsible for any 3rd party fees generated from use of this service.

2. Why am I unable to log in using my Blackberry phone?
Check the settings on your Blackberry phone to ensure it is enabled to browse Secure/SSL sites.

3. When I attempt to go to Extraco's Mobile Phone Banking, I get an error message.
You may get the message "Access Denied: Insecure SSL Request." When clicking on More Info, you may also receive the following message: "Your MDS has been configured to deny SSL requests to servers that have certificates which are untrusted or expired. Try using Device Side SSL, which can be modified in your TLS Options. Contact your system administrator with any questions." If you receive these messages, change your Blackberry Options settings as follows: Select Options, then TLS; under the TLS Default, select Change Option to "Handheld," not "Proxy."

Mobile Phone Carrier FAQs & Tutorial Links

Sprint PCS: Sprint PCS Phone User Guides & Tutorials
Verizon Wireless: Verizon Phones & Devices
AT&T Wireless: AT&T Phone/Device Support
T-Mobile: http://support.t-mobile.com/productSelector.html

1. What is Text Message Banking?
Text Message Banking allows you to quickly request and receive your account balances and recent transaction history via your mobile device's Text Message service using a short code and a set of commands.

2. What account types are supported?
Checking and Money Market accounts are supported.

3. How do I sign up for Text Message Banking?
Login to Text Message Banking using your Extraco E-bank username and password, and register your phone.

4. Will Text Message Banking work on my phone?
Yes, as long as you have text messaging service via your wireless carrier. Please check with your wireless carrier if you are unsure.

5. Will I be charged for Text Message Banking?
Extraco will not charge you, but standard wireless carrier fees for text messaging may apply. Please check with your wireless carrier if you aren't sure what fees apply when you send and receive text messages.

6. Which carriers do you support?
Our Text Message Banking service works on all major mobile providers in the U.S., including:

• Alltel
• AT&T
• Nextel
• Sprint
• T-Mobile
• US Cellular
• Verizon Wireless
• Virgin Mobile

7. How do I cancel?
You can text EXTR STOP to 21443, or you can login to Text Message Banking and unregister your phone. You can register a new phone or reregister your old phone by logging in to Text Message Banking at any time.

8. I have a new mobile phone number. Can I change or add my number online?
Yes. First, unregister your current phone number, then register your new phone number, which can be done by logging in to Text Message Banking .

9. What if I change my Extraco E-bank user ID, password or challenge questions?
If you make any changes to your Extraco E-bank user ID, password or challenge questions, you need to login to Text Message Banking with your updated E-bank info before you can continue using Text Message Banking.

10. Can I register more than one mobile phone?
Yes. Each phone must be individually registered.

11. Is Text Message Banking secure?
Yes. Messages will contain no sensitive information about your accounts.

12. What is the short code?
21443

13. What are the commands?

• EXTR BAL - Account balances
• EXTR HIST - Last three transactions on primary account
• EXTR CMD - Show valid commands
• EXTR HELP - Send information on commands and how to use
• EXTR STOP - Cancel service

14. Are commands case sensitive?
No, commands are not case sensitive. You can type extr help or EXTR HELP.

15. What is the number I should send commands to?
The short code is 21443. This short code will only work if you have registered your mobile device via Text Message Banking.

16. What is the maximum number of characters?
A maximum of 140 characters are contained in each text message due to limitations placed by wireless carriers.

17. What happens if I exceed 140 characters in the middle of a transaction?
The response will be broken into messages shorter than 140 characters. This means you will receive multiple messages for a long response.

18. How many requests can I make?
You can make an unlimited number of requests.

19. How quickly does the message go through?
Messages typically go through within seconds, although delays of several minutes or more may be experienced depending on your wireless carrier.

20. Is there any password needed for Text Message Banking?
No. Once your mobile phone is registered, it is used to authenticate your account access.

21. Does the message go through if I have no coverage?
No coverage on your cell phone means that nothing can get to your phone, and that includes text messages.

22. What if I have a problem?
Contact Extraco Customer Care via email, online chat, click-to-call, or our toll free number.