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Frequently Asked Questions
Yes! P2P and money transfer apps make transferring money to and from peers from your mobile phone simple.
Extraco offers Business Credit Cards through our provider, ELAN Card Member Services. You can apply with a Relationship Banker at your local branch today!
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.
Please call our customer care center at 1-866-398-7226.
Yes, we do! Depending on your volume of debit or credit card payments, there are multiple options for you to consider. We suggest you speak with our Treasury Management Department to determine which product would fit your needs.
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.
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?
You can access the Cashback+ platform directly from Online Banking or the Extraco eBank app! Login to your online banking and you'll see a Cashback+ Offers tile!
EasyInvest is Extraco’s digital investment platform that lets you start investing in stocks, bonds, and ETFs with as little as $10—directly through the Extraco eBank app or Online Banking.
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.
Simply select EasyInvest in Online Banking or the Extraco eBank app, complete the quick onboarding, fund your account, and you’re ready to buy and sell investments anytime.
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.
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)
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.
To request mobile deposit you will go to the menu from your app by selecting the 3 horizontal lines and select deposit. If that option is not available for you please contact us at 254.774.5501 to see if you have a qualifying account.
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.
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 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.
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.
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 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.
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.
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.
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.
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.

