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.

To request a commercial change order, please click below.

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

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)

In order for a wire transfer to be sent out the same day, it needs to be processed before 2:00pm. (Before 1:00pm for international wire transfers)

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.

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.

Extraco offers Business Credit Cards through our provider, ELAN Card Member Services. You can apply with a Relationship Banker at your local branch today!

Business transactions can only be completed at Extra Bankers if the business account has its own debit card. Personal debit cards linked to a business account will not work.

Requirements may vary by loan type, but at a minimum, you’ll need to provide one year of personal and business tax returns, a business financial statement, proof of sufficient income, and details on any current debts.

Savvy Savings is a round-up savings tool that helps you grow your savings automatically by rounding up each debit card purchase to the nearest dollar and transferring the difference into your savings account. Simply enroll your debit card, choose the account to round up from, and select where the savings should go.

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.

Enrolling in Savvy Savings is so easy! You will need to personal information for identification, and account numbers to connect where the round\-up savings are coming from and where they go.

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.

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.

If you are the registered owner of the savings bond, you can easily redeem your savings bond by going to the Treasury Direct page. You will input your savings bond details and can redeem it quickly!

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.

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

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.

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.

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.

If Savvy Savings is not working for you, you can unenroll by completing the unenrollment form linked 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.

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.

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.

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

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.

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

To get started, contact a Private Banker.

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

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.

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.

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

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.

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

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

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.

Outdoor Extra Bankers are available 24/7, but connecting live to a Customer Care representative is limited to business hours of Monday-Friday 8:00 a.m. to 5:00 p.m. and Saturday 9:00 a.m. to 12:00 p.m. You will not be able to go over the standard ATM limits after business hours. Indoor Extra Bankers are available based on that branch's lobby hours.

CashBack+ lets you earn cash back by purchasing digital gift cards through Online Banking or the Extraco eBank app using your checking or savings account. Offers are personalized and updated regularly from hundreds of popular brands.

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+).

Yes, we can order foreign currency with 3–5 business days' notice and exchange unused bills (no coins) upon your return.

Deposit cutoff times are 7:00pm Monday-Friday. Deposits that are made after 7:00pm are put into the 9:00am file on the next business day.

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.

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.

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.

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.