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.

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.

Gift cards are instantly deliverd to the email address associated with their banking profile. Occasionally our emials will find their way into a junk or spam folder or the promotions tab, so check there! If you didn't receive an email from Cashback+, contact support@prizeout.com for assistance.

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.

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.

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.

There are many factors to consider in quoting a commercial rate (unsecured, secured, what is the collateral, how much, what term, etc.), so it is best that you call and schedule a meeting with a Commercial Banker to discuss details.

Please note: Expiration policies are dictated by the specific gift card's retailer. Federal Law dictates gift cards are not permitted to expire within a minimum of 5 years from the date of purchase. To get more information regarding the specific gift card, we recommend reaching out to the specific brand's support team.

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.

You can access your previously purchased Cashback+ gift cards either through email confirmation or through your Cashback+wallet, which is accessible in the menu of the Cashback+ marketplace. In your wallet, you'll be able to view all previously purchased cards in one place.

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.

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

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.

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

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.

Click below to learn about safe banking with Extraco.

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.

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.

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.

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.

Deposit cutoff times are 7:00pm Monday-Friday. Deposits that are made after 7:00pm are put into the 9:00am file on the next business day.

1.800.522.3972

The best way to protect yourself from overdraft fees and return fees is to know your balance so you don't accidentally spend money you don't have.

Yes! P2P and money transfer apps make transferring money to and from peers from your mobile phone simple.

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.

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.

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”.

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

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.

To request a commercial change order, please click below.

We are not accepting coin deposits through the drive-thru at this time.

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 get started, contact a Private Banker.

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.

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

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.

You can deposit up to $6,000 in cash at indoor machines and up to $9,999.99 at outdoor machines. Check deposits over $500 may require phone approval, and checks over $20,000 must be deposited with a Relationship Banker in-branch.

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.

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

In order for a wire transfer to be sent out the same day, it needs to be processed before 2:00pm. (Before 1:00pm for international wire transfers)

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)

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

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.

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.

Since a lot of transactions do not require a Relationship Banker's assistance to complete, we ask for your full social to make sure it is truly you trying to complete a transaction.

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.

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.

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.

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.