How do Extraco Fraud Alerts work?

Answer

If our monitoring system suspects there has been a suspicious transaction, you will first receive a text message asking you to verify or reject the card activity in question. If we do not get a response via text message within five minutes, you’ll be sent the same request via email, and then by phone call.
If our system is unable to reach you via text, email, or phone within 20 minutes between the hours of 8am and 9pm, your card will be temporarily suspended to prevent any further transactions. If the notifications are triggered outside of those hours, you’ll be notified again the next day. Once your card is locked, you will need to call 1.855.293.2456 to unlock it.

Frequently Asked Questions by Category

Image
Woman using mobile phone
Apple Pay FAQs
Apple Pay FAQs
Image
Business owner using his computer
Business FAQs
Business FAQs
Image
Gentleman looking at phone.
Checking FAQs
Checking FAQs
Image
Grandma video chatting with granddaughter
COVID-19 FAQs
COVID-19 FAQs
Image
Man walking down the street using his cell phone
Fraud Alert FAQs
Fraud Alert FAQs
Image
Couple Enjoying Road Trip
Insurance FAQs
Insurance FAQs
Image
Man looking at mobile phone.
Mobile & Online FAQs
Mobile & Online FAQs
Image
Family moving into new house
Mortgage FAQs
Mortgage FAQs
Image
Woman on Computer
SmartPay FAQs
SmartPay FAQs
Image
Graduate hugging father
Student Loan FAQs
Student Loan FAQs
Image
Family photo with young son and another on the way soon.
Wealth & Trust FAQs
Wealth & Trust FAQs