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Frequently Asked Questions
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Yes! The Extraco Treasury Management Services team can set up online wire transfer services through your online banking. Contact a TMS Consultant today!
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.
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.
Yes! The monthly service fee is waived on our Easy Checking account for teachers.
Yes! The monthly service fee is waived on our Easy Checking account for active and retired military.
To change your PIN, visit your nearest branch or call customer service at 1.866.EXTRACO (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.
Extraco offers Business Credit Cards through our provider, ELAN Card Member Services. You can apply with a Relationship Banker at your local branch today!
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.
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.
Self-service withdrawals are limited to $500 at outdoor machines and $1,000 at indoor machines. With Customer Care assistance, you can withdraw up to $6,000 at outdoor machines and up to $9,999.99 at indoor machines.
Our automated touch-tone or voice-activated system 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.
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.
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.
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.
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.
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.

