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)

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.

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.

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)

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.

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.

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.

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

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

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.

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

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.

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.

Your account number can be found while logged into Online Banking or the Extraco eBank app on the Accounts tab. Simply select the desired account and the account number will be displayed at the top of the screen.

To unlock your account, please login to Online Banking or the Extraco eBank app and select Forgot Your Password?

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.

To begin the online account opening process, click the button below.

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

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?"

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

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.

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.

Log in to Online Banking or your Extraco eBank app, and go to settings. Select "alerts". From here you can add a new alert or activated and deactivate security alerts.

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.

To change your address, click the Change Address Form button below and complete the form. You can also log in to Online Banking by going to Settings > Address Change.

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.

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.

To get started, contact a Private Banker.

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.

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

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

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.

The Extraco Banks routing number is 111900581.

An escrow account is an account that’s set up with your servicer to collect funds for paying your annual property taxes and/or homeowner’s insurance premiums. The funds collected for your escrow account are included in your monthly mortgage payment.

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

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.

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.

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

To dispute a fraudulent charge, log in to Online Banking, select the transaction, click the three dots, and choose "Dispute Transaction" to complete the form. You can also call us to dispute ACH transactions, which may require a signed e-sign document. We also recommend contacting the merchant directly when possible.

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

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.

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.

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.

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

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.

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