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.

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.

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

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.

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

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.

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.

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.

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

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.

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.

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. 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.

CashBack+ provides the best offers for all users. The options may change depending on a variety of factors including previous purchase history, location, promotional campaigns, and more.

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?"

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.

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.

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.

Customers can use their gift cards online or in-store, depending on the brand. Input the gift card code/pin into the gift card section during the online checkout. If you are in-store, present the cashier with the barcode.

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

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

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

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

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.

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.

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.

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.

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.

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

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

The Extraco Banks routing number is 111900581.

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.

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.

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.

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.

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.

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!

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.

You can now make a mortgage payment online! Login to Online Banking or the Extraco eBank app, select "Make a Loan Payment." Select the account you want to use to make your payment. You can select "Make a Mortgage Payment" under the "Loans" tab on our homepage.

An Extra Banker is our virtual banking machine that allows you to complete a variety of transactions—like deposits, withdrawals, loan payments, check cashing, transfers, and account inquiries—with the option to speak to a representative by phone or video. Non-customers can also cash checks and complete standard ATM transactions.

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

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.

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.

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.

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.

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.