To learn more about our student loan options, click the button below.

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.

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.

You can easily make your loan payments by clicking on the Secure Login button at the top of any page and selecting "Loan Payment".

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.

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.

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

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

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.

You can invest in over 5,000 stocks and ETFs, including fractional shares, with a diversified portfolio tailored to your risk level and investment interests.

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 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.

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

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.

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.

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.

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

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.

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)

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.

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.

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.

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.

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.

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.

A Pre-Authorization, more commonly referred to as a “pre-auth”, is a pre-authorization that places a hold on your credit/debit card for a specific dollar amount based on a projected sale amount. Pre-authorizations CAN be avoided by prepaying inside with a store clerk as opposed to paying at the gas pump.

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.

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.

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.

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.

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.

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”.

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.

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.

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.

CashBack+ only provides digital gift cards to ensure they can be utilized instantly but you can always print your digital gift card. You can use the gift card Code and Pin to redeem online or if presented with a barcode, either scanned from your cellular device or printed out and presented to the cashier at the time of purchase.

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

Yes. All ATMs listed on the ATM locator are fee-free, even if the Allpoint logo is not on the ATM.

Contactless payments are transactions that use chip-based technology and require no physical connection between the payment device (a card or mobile device) and the physical merchant terminal.

Extraco offers Business Credit Cards through our provider, ELAN Card Member Services. You can apply with a Relationship Banker at your local branch today!

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, once claimed the digital gift card can be printed.

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.

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.

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

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

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.

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.