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.

Yes! The monthly service fee is waived on our Easy Checking account for teachers.

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.

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.

Yes! You may select multiple accounts when using our online account opening. Select "Yes" in the dropdown that asks "Do you want to open a second account?"

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

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.

Yes! The monthly service fee is waived on our Easy Checking account for active and retired military.

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.

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)

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.

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.

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

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.

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.

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.

No. Settings for Account Alerts and settings for Secure Delivery Contact are different. You'll find Account alerts under Settings - Alerts and you'll find Secure Delivery Contact settings under Settings - Login Preferences - Secure Delivery Contact Information. Be sure to adjust both.

Yes. You will be able to print and/or export from the account transaction screen.

To dispute a fraudulent charge, log in to Online Banking, select the transaction, click the three dots, and choose "Dispute Transaction" to complete the form. You can also call us to dispute ACH transactions, which may require a signed e-sign document. We also recommend contacting the merchant directly when possible.

To get started, contact a Private Banker.

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.

Yes! When conducting a transacation, you will have the option to "Split" the deposit into the accounts accessible to you.

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

If you no longer have access to the email account on file, please update your email address in your banking profile. Once updated, please reach out to support@prizeout.com (our partners in bringing you CashBack+) to confirm the change and have the previous cards sent to your new email address.

Absolutely, you can determine which accoutn funds are debited from before entering the Cashback+ marketplace.

Typically gift cards cannot be canceled or exchanged. However, you can reach out to Cashback+ support for guidance at support@prizeout.com

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.

To request mobile deposit, log in to online banking and select Account Tools > Mobile Deposit Enrollment from the navigation menu. Qualifying accounts will see the Mobile Deposit Enrollment form available in that section.

If the option does not appear in your menu, please contact us at 254.774.5501 to confirm whether your account qualifies.

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.

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.

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.

Yes! Loan payments can be made using the Extra Banker. Simply select the account you want to transfer money from and the Extraco loan account you want to make the payment to.

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.

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.

You can try the Forgot Password link if your login has not been locked (after three attempts it will lock your account). If your account is locked, you can self-reset by pressing Forgot/Unlock Username, and following the steps. If you need assistance, please contact us at 1.866.EXTRACO.

With certain email accounts, gift card emails can get threaded together. This can especially be an issue with Gmail accounts. Please chck the inbox where the gift card was sent to see if other emails are tethered to that original email. If you have confirmed that this is not the issue, please contact support@prizeout.com to have the gift card resent.

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.

Savvy Savings is a round-up savings tool that helps you grow your savings automatically by rounding up each debit card purchase to the nearest dollar and transferring the difference into your savings account. Simply enroll your debit card, choose the account to round up from, and select where the savings should go.

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.

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

Once a gift card is purchased, we are unable to exchange the gift card or cancel the gift card to refund your account.

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. 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.

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

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.

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.

Yes, you can customize your portfolio by adding or removing investments before funding your account, and you can update your investment topics once per year to align with your values and interests.

There are no limits on the number of checks you can deposit using mobile deposit but there are limits to the totals. The limits start at $1,000.00 a day and $4,000.00 month and go up depending on account type

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.