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Frequently Asked Questions
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.
Click below to learn about safe banking with Extraco.
You can access your account 24/7 using ATMs, Online Banking, or the Extraco eBank app.
You can request a temporary increase by logging into Online Banking or the Extraco eBank app and utilizing card controls.
To unlock your account, please login to Online Banking or the Extraco eBank app and select Forgot Your Password?
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 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.
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.
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.
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.
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.
You can now make a mortgage payment online! Login to Online Banking or the Extraco eBank app, select "Make a Loan Payment." Select the account you want to use to make your payment. You can select "Make a Mortgage Payment" under the "Loans" tab on our homepage.
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.
Every day you make purchases, from groceries to gas, cardigans to coffee. Imagine if you could get cash back, just for buying the things you already buy. Say hello to CashBack+, a customer benefit from Extraco Banks. Browse offers personalized to your favorite brands + hundreds more. Purchase a gift card in any amount, and use it to make your purchases. You'll receive instant cash back, up to 20% depending on the current offers listed.
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.
To change your PIN, visit your nearest branch or call customer service at 1.866.EXTRACO (1.866.398.7226)
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.
We're happy to help you! Our Call Center is available to take your call at 1.866.EXTRACO (398.7226): Monday - Thursday: 8 a.m. to 4 p.m. Friday: 8 a.m. to 6 p.m. Saturday-Sunday: Closed
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.
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”.
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.
To change your address, log in to Online Banking by going to Settings > Address Change.
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.
Log in to Online Banking, go to Account Tools, and select Order Checks. Choose the account, verify your information, and follow the prompts. For help, call 1.800.275.1053.
To begin the online account opening process, click the button below. If you are wanting to open an Easy Checking, Solution Banking, Smart Savings or Smart Rate MMA Account click here.
In Online Banking, go to Statements in the left-hand menu, complete the eDelivery Agreement, and you'll be able to view and download available statements; for older records, request them through a Curbside Delivery at your branch.
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.
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.
Gift cards are instantly deliverd to the email address associated with their banking profile. Occasionally our emials will find their way into a junk or spam folder or the promotions tab, so check there! If you didn't receive an email from Cashback+, contact support@prizeout.com for assistance.
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.
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 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.
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.
To request mobile deposit, log in to online banking and select Account Tools > Mobile Deposit Enrollment from the navigation menu. Qualifying accounts will see the Mobile Deposit Enrollment form available in that section.
If the option does not appear in your menu, please contact us at 254.774.5501 to confirm whether your account qualifies.
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.

