We're happy to help you! Our Call Center is available to take your call at 1.866.EXTRACO (398.7226):

Monday - Friday: 8 a.m. to 5 p.m.
Saturday: 9 a.m. to 12 p.m.
Sunday: Closed

If mobile deposit is missing, please go to Settings and Mobile Deposit Enrollment or call 1.866.398.7226.

Yes, use the Link Account button on the home screen or go to Other Services > Add External Account to securely connect accounts from other banks.

Some providers may send this alert even when you’ve logged in normally—especially if you've selected “Remember Me” on a device. If you're unsure about the activity, contact your provider to confirm.

You can dispute debit card transactions in Online Banking by selecting the transaction and clicking Dispute Transaction. For ACH disputes, call us directly—these may require a signed e-sign form. You’re also encouraged to contact the merchant to resolve issues. Multiple transactions can be disputed at once.

Yes. Once you have successfully logged in, go to Settings/Security Preferences/Change Login ID.

Log in, go to Settings > Payments & Transfers, then choose the account to pay from, select your loan, enter the amount, and choose the payment type.

Mobile deposits are processed every two hours between 9:00 a.m. and 7:00 p.m. CST on business days. Deposits made after 7:00 p.m., on weekends, or on holidays will post the next business day. Some checks—like traveler’s checks or foreign currency—cannot be deposited.

The merchant may be blocked due to its originating corporate office. This happens on most new/replacement debit cards and uncommon transactions. Contact a customer service Relationship Banker to assist you.

Absolutely! We offer a mobile banking app with mobile deposit features, so you can simply take a picture of your check to make your deposit. We also offer remote capture services, so you can scan in multiple checks right from your office on a daily basis and more! Our technology services rival those of national banks.

If suspicious activity is detected, you’ll receive a text from 96923 within minutes. If there’s no response within five minutes, we’ll follow up by email and phone.

Customers wanting to set up direct deposit will need Extraco’s routing number (111900581) and their account number, which can be found in Online Banking or the Extraco eBank app under account details. Your employer or payer will use this information to complete the setup.

To apply, you must be a legal US resident, be a Texas resident (or be moving within the next 90 days), be at least 18 years old, have a Social Security number, and have your Government Issued ID available. If you do not meet this criteria, please visit an Extraco Banks branch to inquire about an account.

It is important to obtain a pre-qualification to understand how much you can afford. A pre-qualification is a great first step in the process. This differs from a pre-approval which is determined by one of our Mortgage Consultants reviewing financial documentation and credit of the borrower. To know best what you may need, please seek a Mortgage Consultant for guidance.

The required documentation will vary depending on the product. Be prepared to provide the last 30 days of pay stubs, two years of tax returns, two years of W-2s, bank statements for the past two months, proof of down payment funds, proof of identity and social security number.

In order to set up a business account, you would need your business entity, legal documents. (ie. Assumed Name Certificate, Articles of Incorporation, Certificate of Formation, Articles of Association/Organization, etc.) along with the IRS, EIN#. (if applicable)

The Extraco Banks routing number is 111900581.

Extraco Private Bank offers exclusive account options and personalized financial guidance for qualifying customers. Learn more about membership, benefits, and account offerings by clicking the button below.

We will never ask you to text us your account number, personal identification such as your birth date or social security number, or other personal information such as your mother’s maiden name or address. If you ever receive a text message asking for your account numbers or other personal information, please do not respond and contact us at 1.866.398.7226.

Our new Fraud Alerts system relies on having the most accurate and up-to-date contact information for you. To verify or update your Personal account contact information please click below.

To get started, contact a Private Banker.

Extraco Private Bank is an exclusive banking option to accompany our other innovative financial services and products. Our Private Bank team provides personalized guidance and innovative solutions that adapt to the evolving needs and goals of our most affluent clients.

Bank Jugging is when a thief waits outside a bank, watching for customers who appear to be carrying large amounts of cash—such as in a bank bag, envelope, or coin box—and then follows them to steal the money, either by breaking into their car or confronting them directly.

Please call our customer care center at 1-866-398-7226.

To qualify for Private Bank you must have an aggregate deposit balance of $350k or more with Extraco Banks

Log in to Online Banking and go to Settings. Select Text Enrollment and toggle the option to "On". You'll then enter the SMS text number you'd like to receive alerts to. Agree to the terms and press Save at the bottom of the screen.

Click the button below then select Personal Enrollment at the bottom of the Online Banking page. Follow the prompts to verify your identity, create your login, and get started.

Yes. This feature is called Customer to Customer Payment. You will need to know their account number, last name and email address. The transfer will happen in real time.

3615 S. 31st St. Temple, TX 76502 or PO Box 6108, Temple, TX 76503

Yes! The Extraco Treasury Management Services team can set up online wire transfer services through your online banking. Contact a TMS Consultant today!

We are happy to provide a variety of digital banking options for our customers. Click below to learn more.

If suspicious activity is detected, your card will be temporarily suspended and you’ll get a text from 96923 asking you to verify the transaction. If you don’t respond within five minutes, we’ll follow up by email and then with a phone call from 800-237-8990. If we can’t reach you between 8 a.m. and 9 p.m., your card will stay suspended until you respond or call 855-293-2456 to unlock it.

To change your password, click Forgot Password on the login screen. To change it while logged in, go to Settings > Login Preferences > Change Password—and don’t forget to update your saved password if you use Face or Touch ID to avoid account lockouts.

Yes! Non-customers are able to use the Extra Bankers as they would a normal ATM.

A Mortgage Consultant guides a borrower through the entire mortgage process. He or she is the borrower’s main point of contact.

You should be able to view your statements online for the past 2 years. However, if you need to access statements further back than that, you can simply contact your banker for assistance.

Your Savvy Savings round up credits/debits will take place each day. You will see a "Savvy Savings Round Up Sweep" for the credit out of the account, and "Savvy Savings Round Up Deposit" for the debit into your account.

The round up credits/debits may not show up on a bank statement until the following day.

Yes. These changes can be made by going to Settings/Secure Delivery Contact Information. These changes will only be for your online banking. This will not update your account contact information with the bank.

Yes! P2P and money transfer apps make transferring money to and from peers from your mobile phone simple.

It is always a good practice to inform us of your travel plans by calling customer care at 1.866.398.7226 prior to traveling outside of the U.S. Doing so will help avoid having legitimate charges flagged as potentially fraudulent. In some cases, your card may be blocked from further transactions until we are able to contact you.

Messages can only be sent via U.S. carriers and will only be receivable in the U.S. If a transaction is flagged as suspicious we will send a text but it may not be received while you are outside of the U.S. Some messages on U.S. carriers may be received while traveling; however, it will depend on that carrier’s coverage area.

If you need to change or close an account, please submit a secure message from Online Banking, email webcustomercare@extracobanks.com or call 1.866.EXTRACO.

Once logged into Online Banking, or the Extraco eBank app, select Other Services on the main menu and then select Stop Payment. You will need to enter all of the required fields to request a stop payment.

Log in to Online Banking or the Extraco eBank app, select Bill Pay, and enroll if needed—approval may take up to 24 hours. Once enrolled, follow the guided tutorial to add payees and schedule payments.

Once you’ve found a property, the loan process can proceed from the pre-qualification stage to loan approval. This process is when your property appraisal will be ordered by your mortgage team here at Extraco, as well as some behind the scenes work getting your file ready for the “Clear to Close”.

If you have a question that still needs to be answered, please visit the Help Center or contact a dedicated support team member at support@prizeout.com (our partners in bringing you CashBack+).

No. Due to the technical limitations of certain types of ATM machines, Allpoint is not able to prevent the "surcharge message" screen from appearing on some Allpoint ATMs. You should continue the transaction by answering "yes" on this screen.

Log in to Online Banking, go to Other Services, and select Order Checks. Choose the account, verify your information, and follow the prompts. For help, call 1.800.275.1053.

When you request help or have a transaction that requires approval, you'll be connected with one of our Relationship Bankers that is located at Extraco's call center!

You can try the Forgot Password link if your login has not been locked (after three attempts it will lock your account). If your account is locked, you can self-reset by pressing Forgot/Unlock Username, and following the steps. If you need assistance, please contact us at 1.866.EXTRACO.

You can access the Cashback+ platform directly from Online Banking or the Extraco eBank app! Login to your online banking and you'll see a Cashback+ Offers tile!