Privacy and Security
Extraco works hard to protect your personal financial information. You can take steps, too, to make sure your data remains private.
How Extraco Protects You
Extraco Corporation and its member bank and subsidiaries strive to be the financial services provider of choice in central Texas.
Our Website is designed to provide information about our deposit, loan, and other financial services, and help you effectively and conveniently manage your finances.
Using our Website to take advantage of these services may require that you provide us with personal information. We respect and recognize your concern about the use and protection of any personal information provided to us and accordingly:
You should safeguard your accounts. Electronic banking is a convenient and safe way for conducting your financial transactions with us. The advantages of electronic banking are made possible through the use of access codes, personal identification numbers (PIN's), user names and passwords that allow online access to your accounts. To protect your money and your financial privacy, keep your codes and other access devices and names secret and guard them against being obtained and used by unauthorized persons. Providing to others your access codes, PINs, user names, passwords or any other information that allows access to your accounts and financial information, may expose your accounts to fraud, the risk of theft of your money, and the compromise of your financial privacy. Permitting others access to these and other access codes may establish your responsibility for their unauthorized use or misuse and result in your liability for any loss of funds from your accounts. You should review the terms and conditions of your account agreements and immediately report any unauthorized activity to us.
Our Website is not directed to children less than 13 years of age and we do not knowingly collect personal information from children. If we have actual knowledge of receiving unsolicited personal information from a child through our "Contact us" button, other Website portal or avenue, or via E-Mail we will take one of two actions: (a) we may collect a child's name and contact information for the purpose of responding one time to the child and will then immediately delete the information; or (b) we may immediately delete the information entirely without responding.
Learn More to Protect Yourself
Educating yourself is the best way to protect your personal information. These websites contain concise and authoritative information on consumer education, identity theft / fraud prevention, and reporting identity theft / fraud.http://www.fdic.gov/consumers/index.html http://www.ftc.gov/bcp/index.shtml
Preventing ID Theft and Fraud
You may think identity theft and fraud are the same thing, but actually they are separate, but equally serious, crimes.
Identity fraud is a single attempt to steal money from an account, i.e. someone charges a purchase to your credit or debit card without your knowledge or consent.
Identity theft is when someone steals your personal information-such as your driver's license or social security number-and uses that information to open new accounts or initiate purchases in your name without your knowledge or consent.
Now that you know the difference between identity theft and fraud, learn how to prevent becoming a victim. Check out the FDIC and Federal Trade Commission websites for useful tips.http://www.fdic.gov/consumers/theft/index.html http://www.ftc.gov/bcp/edu/microsites/idtheft/
Reporting ID Theft and Fraud
If you think or know you are a victim of identity theft or fraud, it is absolutely essential that you file the necessary reports as soon as you discover the crime.
- Contact Extraco Banks - If your Extraco Banks account experiences criminal activity, contact our Customer Care Center during regular business hours at 1.866.EXTRACO.
- Contact the Major Credit Bureaus - Place a fraud alert and victim's statement in your credit file with the three major credit bureaus: TransUnion 800-680-7289; Equifax 800-525-6285; and Experian 888-397-3742. Credit bureaus must provide a free copy of your report if you have reason to believe it is inaccurate because of fraud and you submit a request in writing. Check the "inquiries" section of your report and request that inquiries from companies that opened any fraudulent accounts be removed from the report.
- Contact All Creditors - Advise any other bank or institution where you have an account of the crime and ask that they restrict access, change your password, or close your account if there is evidence of criminal activity. If your bank closes your account and assigns you a new one, make sure you get a new credit card, ATM card, debit card, or checks. Reset all automatic payments to your new account number.
- File a Police Report - Contact your local police department and file a criminal report. Make sure you receive a copy of the report to submit to your creditors, your bank, and others that may require proof of the crime.
- Contact the Federal Trade Commission (FTC) - File a report with the FTC by calling 1.877.ID.THEFT. Go to the centralized government-wide Identity Theft website at www.idtheft.gov for assistance in recovering from identity theft and other helpful information.
- Contact All Other Appropriate Agencies - Consider contacting the US Postal Service, the Department of Motor Vehicles, and any other agency that uses your personal information for identification.
- Deactivate Your Debit Card - If your Extraco Check24® debit card experiences criminal activity and you're an E-Bank subscriber, you may deactivate your card at any time using the Options feature on E-Bank. Phone24® also allows 24/7 card deactivation. Reset all automatic payments to your new card number.
- Monitor All Accounts and Review Your Credit Report - Resolving identity theft or fraud can be a time consuming process. Monitor your accounts and credit report regularly to make sure additional fraudulent activity does not occur.
Federal Trade Commission: www.idtheft.gov