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

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.

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.

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

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.

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.

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 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.

Your digital gift card will immediately be available within your CashBack+ Wallet. You will also receive a confirmation email at the time of purchase to the email associated with your Extraco account. The digital gift card comes with a code that can be used online or scanned in store. Your gift card will remain in your CashBack+ wallet until you're ready to use it and you can then archive it within the wallet once used.

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.

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.

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.

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)

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.

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.

We are happy to provide a variety of digital banking options for our customers. Click below to learn more.

Bank Jugging is when a thief waits outside a bank, watching for customers who appear to be carrying large amounts of cash—such as in a bank bag, envelope, or coin box—and then follows them to steal the money, either by breaking into their car or confronting them directly.

To qualify for Private Bank you must have an aggregate deposit balance of $350k or more with Extraco Banks

The Extraco Banks routing number is 111900581.

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.

Click the button below then select Personal Enrollment at the bottom of the Online Banking page. Follow the prompts to verify your identity, create your login, and get started.

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

To get started, contact a Private Banker.

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.

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.

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.

Yes. These changes can be made by going to Settings/Secure Delivery Contact Information. These changes will only be for your online banking. This will not update your account contact information with the bank.

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

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.

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.

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.

CashBack+ only provides digital gift cards to ensure they can be utilized instantly but you can always print your digital gift card. You can use the gift card Code and Pin to redeem online or if presented with a barcode, either scanned from your cellular device or printed out and presented to the cashier at the time of purchase.

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.

Yes, once claimed the digital gift card can be printed.

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

Initial telephone contact will not be specific to a certain card. Once someone responds to the message, they will be told the last four digits of the card that has the questionable transaction. In an effort to keep messages separate, each member of a household may want to provide their own primary number for calling purposes, such as a mobile number.

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+).

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.

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.

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”.

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.

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 visit the Help Center for detailed instructions on most cards. Otherwise, please contact the CashBack+ support team at support@prizeout.com (our partners in bringing you CashBack+). Brand websites can have different methods of accepting gift cards, and the support team is happy to help if there are any issues.