Frequently Asked Questions

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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.

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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.

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Yes. Once you have successfully logged in, go to Settings/Security Preferences/Change Login ID.

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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.

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

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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.

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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.

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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.

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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.

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

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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.

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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.

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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.

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To get started, contact a Private Banker.

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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.

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The Extraco Banks routing number is 111900581.

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

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

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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.

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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.

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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.

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Enrolling in Savvy Savings is so easy! You will need to personal information for identification, and account numbers to connect where the round\-up savings are coming from and where they go.

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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.

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

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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.

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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.

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Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

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Outdoor Extra Bankers are available 24/7, but connecting live to a Customer Care representative is limited to business hours of Monday-Thursday 8:00 a.m. to 5:00 p.m. and Friday 8:00 a.m. to 6:00 p.m. You will not be able to go over the standard ATM limits after business hours. Indoor Extra Bankers are available based on that branch's lobby hours.

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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.

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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.

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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.

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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.

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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.

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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.

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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!

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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.

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Click below to learn about safe banking with Extraco.

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To change your address, log in to Online Banking by going to Settings > Address Change.

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

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You can request a temporary increase by logging into Online Banking or the Extraco eBank app and utilizing card controls.

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

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.