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Phone Banking

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Phone Banking

Access your Extraco accounts through your phone with Extraco's Mobile and Text Message Banking and Phone24. Because when you're on the move, you need a bank flexible enough to go with you.


Manage your account and even deposit checks on the go, all with your mobile phone¹. All you need is an E-Bank account to get started! Choose from our iPhone or Android app, or log in on your phone at extracobanks.com.

With MobileBank you can:
  • Access balance information
  • Deposit Checks³
  • Transfer funds between deposit accounts
  • Pay bills
  • Verify cleared checks, posted deposits, and other transactions
  • View your account alerts
Sign up for Mobile Banking now Sign up for Mobile Deposit now Sign up for E-Bank today
Available on the App Store Available in Android Market
 
  1. Internet service on mobile phone is required. Standard data and text message rates apply.
  2. Must have Extraco E-Bank to use this service.
  3. There is a one-time only fee of $5 to use this service.

Make deposits using your iPhone or Android phone with Extraco's MobileDeposit App. All you have to do is sign up with Extraco, download the app from the App Store or Android Market, and you're ready to go.

Sign up for Mobile Deposit Capture
Available on the App Store Available in Android Market
 
  1. Standard data and text message rates apply.
  2. Must have Extraco E-Bank to use this service.
  3. There is a one-time only fee of $5.00 to use this service.

With Extraco's new Mobile Site, you can access the top features of Extraco's website in a mobile environment: login to E-Bank, Find a Location, and Contact Extraco.

Your Extraco account is accessible anytime by phone when you use Phone24. Simply dial 1-800-522-3972 and enter your account number and either your full social security number if this is your first use, or the access code you have created.

Phone24 lets you:
  • Check daily deposit balances
  • Transfer funds between deposit accounts
  • Verify cleared checks, posted deposits, and other transactions
  • Verify transactions
  • Check earned interest

Mobile Phone Banking

Learn More

  1. How do I access Mobile Phone Banking?
    You must have Extraco E-Bank access and an internet-enabled mobile phone. You can sign up for our new product at extracobanks.com, or through E-bank. Log in to E-Bank using your existing user name and password. Select Options > Mobile Settings > Web Mobile Settings. You will then be prompted to enter your mobile phone information. After receiving your confirmation text message, 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 web-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 web-enabled mobile phone device whose network allows secure SSL traffic. 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 four transactions 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 "Next" link. When you click on "Next," it will take you to the next page of information.
  10. How do I know if my transfer or bill payment was entered successfully?
    Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.
  11. How do I set up a recurring bill pay or transfer through my mobile device?
    You can't. The Transfer and Bill Pay options are for one-time only use and will be processed as soon as you complete them on your phone. If you want to edit or delete a recurring payment you already have set up, you will need to log in to E-Bank to do so.
  12. When looking at my E-Bank, how do I know if a transfer or bill payment was made through my mobile device?
    E-Bank will specify if a transaction was a Mobile transfer or a Mobile bill payment.
  13. I have interbank transfer on my E-Bank. Will I still be able to access this feature on Mobile Phone Banking?
    Yes. When you click on the Transfers tab, you will be able to set up a one-time transfer to the other financial institutions you already have set up in E-Bank.
  14. How long can I be logged in to the Mobile Phone Banking before the site times out?
    For security purposes, the site will log you out after 10 minutes of inactivity.
  15. What if I no longer want to be a mobile user?
    Log in to E-Bank > Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Agree.
  16. What happens if I lose my mobile device?
    Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.
  17. Can I add a new Bill Payment Payee via mobile banking?
    No. You can only add payments to payees already established through E-Bank.
  18. What happens if I lose communication/signal during a transaction?
    When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.
  19. What do I need to do if I get a new phone?
    If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your E-Bank account via the Internet and update your information on the Options > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.
  20. How can I search for a transaction?
    You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.
  21. How do I delete a Bill Payment that I set up through my mobile device?
    You must log in to E-Bank via the Internet and delete the payment from the main menu of the Bill Pay module.
  22. What do I do if I don't remember my security questions?
    If you log on from different computers or different phones, you may be prompted to answer your security questions to verify your identity. If you do not know the answers to your questions, you will need to contact Customer Care in order to have your questions reset. You will then need to log in to E-Bank via a PC and establish new security questions.
  23. What if I can't get my mobile device to work with Internet Banking?
    There are a number of reasons that you may experience trouble accessing the mobile version of Internet banking on your phone. To use the mobile version, your phone will need to meet the following minimum requirements:
    1. You must first enroll in E-Bank before you can gain access.
    2. Your mobile device must be web enabled.
    3. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)
    Mobile Phone Carrier FAQs & Tutorial Links
    Sprint PCS: Sprint PCS Phone User Guides & Tutorials
    amp; Verizon Wireless: Verizon Phones & Devices
    AT&T Wireless: AT&T Phone/Device Support
    T-Mobile: T-Mobile Phones & Devices

Text Message Banking

Learn More

  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?
    All accounts that are visible within E-bank will be accessible through Text Message Banking.
  3. How do I sign up for Text Message Banking?
    Login to E-Bank using your Extraco E-bank username and password. Select Options > Mobile Settings > then Text Mobile Settings. You will then be prompted to enter your mobile phone information and create abbreviated account names for quick access.
  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. What if I change my E-Bank ID? Does that affect my Text Message Banking?
    Yes. Login to E-Bank using your OLD Extraco E-bank username and password. Select Options > Mobile Settings > then Text Mobile Settings and unregister your phone. Then you will login to E-Bank again using your NEW E-Bank username. Again, select Options > Mobile Settings > then Text Mobile Settings and re-register your mobile phone.
  8. How do I cancel?
    You can text STOP to 89549, or you can login to E-Bank and unregister your phone. You can register a new phone or reregister your old phone by logging in to E-Bank at any time.
  9. I have a new mobile phone number. Can I change or add my number online?
    Yes. First, unregister your current phone number, and then register your new phone number, which can be done by logging in to E-Bank.
  10. 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 E-Bank with your updated E-bank info before you can continue using Text Message Banking.
  11. Can I register more than one mobile phone?
    You can only register one phone number per Extraco E-Bank user name.
  12. Is Text Message Banking secure?
    Yes. Messages will contain no sensitive information about your accounts.
  13. What is the short code?
    89549
  14. What are the commands?

    • Bal - All account balance
    • Bal "Your Account Alias or Number" - Single account balance
    • Hist - Last four transactions on all accounts
    • Hist "Your Account Alias or Number" - Single account activity
    • Help - Show valid commands
    • Stop - Cancel service

  15. Are commands case sensitive?
    No, commands are not case sensitive. You can type extr help or EXTR HELP.
  16. What is the number I should send commands to?
    The short code is 89549. This short code will only work if you have registered your mobile device via Text Message Banking.
  17. 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.
  18. 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.
  19. How many requests can I make?
    You can make an unlimited number of requests.
  20. 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.
  21. Is there any password needed for Text Message Banking?
    No. Once your mobile phone is registered, it is used to authenticate your account access.
  22. 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.
  23. What if I have a problem?
    Contact Extraco Customer Care via email, online chat, click-to-call, or our toll free number at 1-866-EXTRACO.

Mobile Deposit Capture

Learn More

  1. What is Mobile Deposit Capture?
    Mobile Deposit Capture is a service that provides Extraco customers the ability to deposit a check into their bank account simply by taking pictures of the front and back of the check and uploading them from their smart phone. Mobile Capture is initially available for both iPhone and Android customers and needs to be downloaded from the App Store or Google Play, after you have signed up for the service.
  2. How do I sign up for Mobile Deposit Capture?
    You will need to sign the Additional Services Form before you are able to use this service. You can sign up for this service by stopping by one of our locations, using Online Chat or Click to Call on our website on the left side of this screen, or by calling Customer Care at 866.EXTRACO (866.398.7226) during regular business hours. Once you are signed up, simply download the Extraco App from the App Store or Google Play and begin depositing your checks!
  3. How do I deposit a check using the Mobile Deposit Capture app?
    First, endorse your check. Next, launch the app and enter the login credentials that were provided to you after you signed the Mobile Capture Agreement.. Once you are logged in, click the Deposit button. Enter the amount of the check, select which account you want to deposit the check into and press Enter. You will be prompted to take a picture of the front and back of your check. Our system will provide a confirmation message when your deposit request has been received.
  4. I'm receiving an error message after taking a picture of my deposit. Why won't it read my check?
    There are many reasons why the Mobile Deposit Capture might be unable to read your check image. Please make sure there is good lighting when taking pictures of your check. You also need to make sure the background is dark and not the same color as the check you are depositing. Please make sure that only the check is visible. No other objects or edges need to be present in the pictures. All four edges of the check need to fit entirely in the frame and you need to make sure the check image is clear. Taking the picture of the check too close can make the image blurry. Our system will notify you of the need to take another picture of your check if it is required.
  5. It says my deposit was successful, but I don't see the check in my account. Why not?
    Extraco receives deposits sent from the Mobile Deposit Capture service six (6) times each business day. As long as your deposit is sent to us before 5:00 PM CST, it will show up on your account during the same business day. Deposits received after 5:00 PM CST will not be processed until the next business day.
  6. Is there a fee to use Extraco's Mobile Deposit Capture?
    Yes, there is a one time only fee of $5.00 to use this service.
  7. Is there a limit to how much I can deposit into my account using Extraco's Mobile Deposit Capture?
    Yes, deposit limitations apply for the Mobile Deposit Capture service. Users may deposit up to $10,000 per month and up to $2,000 per day using the service. A maximum of 10 checks per month may be submitted for deposit using this service.