In law, a trust is a relationship where property is held by one party for the benefit of another party. A trust is created by the owner, also called a "settlor", "trustor" or "grantor" who transfers property to a trustee. The trustee holds that property for the trust's beneficiaries.

We provide a full range of services from individual IRAs to corporate 401(k)s. The first step is to have a conversation on what you are trying to accomplish.

One main difference between a will and a trust is that a will goes into effect only after you die, while a trust takes effect as soon as you create it. A will is a document that directs who will receive your property at your death and it appoints a legal representative to carry out your wishes.

EasyInvest builds diversified portfolios including stocks and bonds across multiple industries, automatically rebalances your portfolio, and uses tax-loss harvesting to manage risk and maximize tax benefits.

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

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.

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

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.

Not at this time. This feature is currently disabled to protect our customers from C2C fraud. 

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.

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

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

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.

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

When you request help or have a transaction that requires approval, you'll be connected with one of our Relationship Bankers that is located at Extraco's call center!

Connecting live to a Customer Care representative is limited to business hours of:

• Monday-Thursday — 8:00 a.m. to 5:00 p.m.
• Friday — 8:00 a.m. to 6:00 p.m.

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

Since a lot of transactions do not require a Relationship Banker's assistance to complete, we ask for your full social to make sure it is truly you trying to complete a transaction.

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.

You can request a Phone 24 reset by calling a customer service Relationship Banker at 1.800.522.3972 and verifying additional security questions, or by making the request as you stop by a local branch.

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.

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.

The best way to protect yourself from overdraft fees and return fees is to know your balance so you don't accidentally spend money you don't have.

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.

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.

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.

Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.

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. 

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.

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.

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)

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.

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.

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

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

To change your PIN, visit your nearest branch or call customer service at 1.866.EXTRACO (1.866.398.7226)

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.

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

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!

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.