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.

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

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.

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.

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.

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.

All customers will be enrolled in Fraud Alerts, however, when you receive a text message from the number 96923, you can respond STOP to opt out from Fraud Alerts. If you unsubscribe to Fraud Alerts and need to subscribe later, please contact us at 1.866.398.7226.

You have five minutes to respond to the initial text from 96923 before alerts are sent via email and phone. 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.

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.

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.

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. 

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.

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.

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.

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.

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.

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.

All users will be automatically enrolled in Fraud 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.

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.

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.

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)

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.

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.

The Extraco Banks routing number is 111900581.

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

Yes. This feature is called Customer to Customer Payment. You will need to know their account number, last name and email address. The transfer will happen in real time.

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.

If you confirm that your card has had a fraudulent transaction, the card will be deactivated and you will need to contact customer care at 1.866.398.7226 to have new card produced. If you receive a new card, you will automatically be registered with the newly issued card number, and alerts will reflect this new number.

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.

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.

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.

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.

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”.

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+).

Click below to learn about safe banking with Extraco.

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.

It will be a same-day turn around process. Please note a delay may occur if additional information is required to finalize the dispute.

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.

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.

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!

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.

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.