Why did my card decline when there are funds in my account?

Answer

This could happen for one of three reasons.
1.) There is a pending deposit that is yet to post.
2.) The transaction amount is exceeding the daily point of sale limit.
3.) The merchant may be blocked if they are originally based out-of-state.

Extraco’s customer service Relationship Bankers have the ability to remove merchant blocks over the phone and can also temporarily increase debit card point of sale limits if needed.

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