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. 

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Click below to learn about safe banking with Extraco.

All users will be automatically enrolled in Fraud Alerts.

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

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.

Cashback+ partners with brands to provide bonus value on your pruchases, leading you to get more for your money. Imagine spending $100 to get $125! Just look for the green and blue tags.

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.

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.

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!

You can have an insurance claim check endorsed in your branch's drive-thru or lobby! You will need the check and a current form of identification. The Relationship Banker will get the proper approvals for endorsement, depending on amount the check is for.

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.

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.

You will not be charged a surcharge fee for using an Allpoint ATM! We are proud to be a part of the Allpoint network.

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.

Cashiers checks are processed for a fee of $5. This fee can be added to the total of the cashiers check for your convenience!

You can visit the Help Center for detailed instructions on most cards. Otherwise, please contact the CashBack+ support team at support@prizeout.com (our partners in bringing you CashBack+). Brand websites can have different methods of accepting gift cards, and the support team is happy to help if there are any issues.

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.

Yes, we do! Depending on your volume of debit or credit card payments, there are multiple options for you to consider. We suggest you speak with our Treasury Management Department to determine which product would fit your needs.

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.

Yes. The Extra Banker has several security features that allow for customer authentication. In addition, there are parameters set in place to prevent potential fraud.

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.

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.

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”.

To get started, contact a Private Banker.

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

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! 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?"

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)

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.

Yes, you do pay taxes on savings bonds when you cash them. You may be subject to other taxes on the interest earned as well.

If you cash your savings bond on Treasury Direct, you will receive a 1099-INT tax form the following year.

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.

No problem! If you can locate the original email from when you received the gift card, click on the link to reclaim the card. Alternatively, if you have created a Cashback+ account, you can view and access any of your cards there. If you can't find the original email, reach out to support@prizeout.com for assistance.

Every day you make purchases, from groceries to gas, cardigans to coffee. Imagine if you could get cash back, just for buying the things you already buy. Say hello to CashBack+, a customer benefit from Extraco Banks. Browse offers personalized to your favorite brands + hundreds more. Purchase a gift card in any amount, and use it to make your purchases. You'll receive instant cash back, up to 20% depending on the current offers listed.