You can have an insurance claim check endorsed in your branch's drive-thru or lobby! You will need the check and a current form of identification. The Relationship Banker will get the proper approvals for endorsement, depending on amount the check is for.

You can report your debit card as lost or stolen via Online Banking, the Extraco eBank app, or by calling our Phone24 line (1.800.522.3972)

To get started, contact a Private Banker.

EasyInvest builds diversified portfolios including stocks and bonds across multiple industries, automatically rebalances your portfolio, and uses tax-loss harvesting to manage risk and maximize tax benefits.

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

To change your PIN, visit your nearest branch or call customer service at 1.866.EXTRACO (1.866.398.7226)

Cashiers checks are processed for a fee of $5. This fee can be added to the total of the cashiers check for your convenience!

You can access your previously purchased Cashback+ gift cards either through email confirmation or through your Cashback+wallet, which is accessible in the menu of the Cashback+ marketplace. In your wallet, you'll be able to view all previously purchased cards in one place.

There are no limits on the number of checks you can deposit using mobile deposit but there are limits to the totals. The limits start at $1,000.00 a day and $4,000.00 month and go up depending on account type

Customers can use their gift cards online or in-store, depending on the brand. Input the gift card code/pin into the gift card section during the online checkout. If you are in-store, present the cashier with the barcode.

All users will be automatically enrolled in Fraud Alerts.

You can access your account 24/7 using ATMs, Online Banking, or the Extraco eBank app.

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.

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

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.

In Online Banking, go to Settings > Login Preferences > Secure Delivery Contact Information to update or add your preferred email and phone numbers for secure code delivery.

You can order a debit card by calling Customer Service or through the Extraco eBank app under Manage Cards > Reorder Card. Be sure your mailing address is up to date, and note that expedited delivery is available for a fee.

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.

Initial telephone contact will not be specific to a certain card. Once someone responds to the message, they will be told the last four digits of the card that has the questionable transaction. In an effort to keep messages separate, each member of a household may want to provide their own primary number for calling purposes, such as a mobile number.

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.

A Pre-Authorization, more commonly referred to as a “pre-auth”, is a pre-authorization that places a hold on your credit/debit card for a specific dollar amount based on a projected sale amount. Pre-authorizations CAN be avoided by prepaying inside with a store clerk as opposed to paying at the gas pump.

There are many factors to consider in quoting a commercial rate (unsecured, secured, what is the collateral, how much, what term, etc.), so it is best that you call and schedule a meeting with a Commercial Banker to discuss details.

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.

Yes, you do pay taxes on savings bonds when you cash them. You may be subject to other taxes on the interest earned as well.

If you cash your savings bond on Treasury Direct, you will receive a 1099-INT tax form the following year.

No problem! If you can locate the original email from when you received the gift card, click on the link to reclaim the card. Alternatively, if you have created a Cashback+ account, you can view and access any of your cards there. If you can't find the original email, reach out to support@prizeout.com for assistance.

If you confirm that your card has had a fraudulent transaction, the card will be deactivated and you will need to contact customer care at 1.866.398.7226 to have new card produced. If you receive a new card, you will automatically be registered with the newly issued card number, and alerts will reflect this new number.

It is important to let us know when and where you are traveling. You can call Customer Care at 1.866.398.7226 to notify us of your travel dates. You can also set up. travel alerts through our online banking by selecting 'Card Management' on the left hand side and then select 'Travel Notifications.' While it is extremely important when traveling outside the country, we recommend you let us know anytime you are traveling, even if it seems a short distance. Anytime activity occurs outside your normal spending trends, it may trigger an alert from our Alert System. 

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.

No problem! You can access your previously purchased gift cards either through the email confirmation or through your CashBack+ Wallet, which is accessible in the menu of the CashBack+ marketplace. If you cannot find the original email, reach out to support@prizeout.com (our partners in bringing you CashBack+) for assistance.

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.

Yes! When conducting a transacation, you will have the option to "Split" the deposit into the accounts accessible to you.

Coming Soon! Anytime you purchase Cashback+ digital gift cards using funds from your Extraco checking account, you can receive bonus offers!

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+).

Yes! Loan payments can be made using the Extra Banker. Simply select the account you want to transfer money from and the Extraco loan account you want to make the payment to.

Yes! You may select multiple accounts when using our online account opening. Select "Yes" in the dropdown that asks "Do you want to open a second account?"

If your local Extraco branch is temporarily closed, please visit our branch locator for branch operating hours at select locations, as well as 24/7 access ATM locations. You can also call 1.866.EXTRACO to connect with a Customer Care Representative.

Don't forget about our mobile app that allows you to make mobile deposits and Phone24, our voice-activated system that lets you check balances, schedule loan payments, transfer funds and obtain financial center hours of operation and locations, as well as turning off your debit card. Available in both English and Spanish.

Yes, you can customize your portfolio by adding or removing investments before funding your account, and you can update your investment topics once per year to align with your values and interests.

One main difference between a will and a trust is that a will goes into effect only after you die, while a trust takes effect as soon as you create it. A will is a document that directs who will receive your property at your death and it appoints a legal representative to carry out your wishes.

No. Settings for Account Alerts and settings for Secure Delivery Contact are different. You'll find Account alerts under Settings - Alerts and you'll find Secure Delivery Contact settings under Settings - Login Preferences - Secure Delivery Contact Information. Be sure to adjust both.

Cashback+ lets you earn instant cash back—up to 20%—when you buy digital gift cards through Online Banking or the Extraco eBank app using your Extraco account. Gift cards are delivered instantly and can be used online, in-store, or shared with others.

You can visit the Help Center for detailed instructions on most cards. Otherwise, please contact the CashBack+ support team at support@prizeout.com (our partners in bringing you CashBack+). Brand websites can have different methods of accepting gift cards, and the support team is happy to help if there are any issues.

If you no longer have access to the email account on file, please update your email address in your banking profile. Once updated, please reach out to support@prizeout.com (our partners in bringing you CashBack+) to confirm the change and have the previous cards sent to your new email address.

CashBack+ only provides digital gift cards to ensure they can be utilized instantly but you can always print your digital gift card. You can use the gift card Code and Pin to redeem online or if presented with a barcode, either scanned from your cellular device or printed out and presented to the cashier at the time of purchase.

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.

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.

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.

Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

Yes. You will be able to print and/or export from the account transaction screen.

You will not be charged a surcharge fee for using an Allpoint ATM! We are proud to be a part of the Allpoint network.

Absolutely, you can determine which accoutn funds are debited from before entering the Cashback+ marketplace.