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

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.

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)

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.

To request a commercial change order, please click below.

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.

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.

You can request a cashiers check in the drive-through or in the lobby. You will be asked to complete a withdrawal slip with the name of the receiver written on the top.

You are able to view loan balances through Online Banking or the Extraco eBank app. Once logged in, you will see your loan listed under the accounts on the home screen.

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 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 deposit up to $6,000 in cash at indoor machines and up to $9,999.99 at outdoor machines. Check deposits over $500 may require phone approval, and checks over $20,000 must be deposited with a Relationship Banker in-branch.

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

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

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.

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.

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.

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.

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.

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.

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.

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.

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

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 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

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.

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.

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

Yes! In Online Banking or the Extraco eBank app, select your mortgage account and check the “Make this Recurring” box when making a payment. For payments from another bank, call Customer Care to get set up.

Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

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.

An Extra Banker is our virtual banking machine that allows you to complete a variety of transactions—like deposits, withdrawals, loan payments, check cashing, transfers, and account inquiries—with the option to speak to a representative by phone or video. Non-customers can also cash checks and complete standard ATM transactions.

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

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! The monthly service fee is waived on our Easy Checking account for teachers.

Yes! The monthly service fee is waived on our Easy Checking account for active and retired military.

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

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.

In Online Banking, go to Menu > Other Services > Stop Payment, then enter the required check details. You can also call to request a temporary (14-day) stop or a permanent one, which will require your e-signature.

Our automated touch-tone or voice-activated system 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.