A Mortgage Consultant guides a borrower through the entire mortgage process. He or she is the borrower’s main point of contact.

Allpoint's 55,000 surcharge-free ATMs are located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS/pharmacy, Kroger, Target, Walgreens, Winn-Dixie and many others. Use the ATM locator to find the Allpoint ATM closest to you.

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.

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.

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.

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”.

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

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.

The Extraco Banks routing number is 111900581.

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.

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

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! Non-customers are able to use the Extra Bankers as they would a normal ATM.

To get started, contact a Private Banker.

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, 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 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.

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.

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.

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!

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.

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.

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.

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.

Simply select EasyInvest in Online Banking or the Extraco eBank app, complete the quick onboarding, fund your account, and you’re ready to buy and sell investments anytime.

You can report your debit card as lost or stolen via Online Banking, the Extraco eBank app, or by calling our Phone24 line (1.800.522.3972)

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.

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.

Click below to learn about safe banking with Extraco.

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.

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

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

To change your PIN, visit your nearest branch or call customer service at 1.866.EXTRACO (1.866.398.7226)

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.

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

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

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!

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.

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.

Your account number can be found while logged into Online Banking or the Extraco eBank app on the Accounts tab. Simply select the desired account and the account number will be displayed at the top of the screen.

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.

Log in to Online Banking or the Extraco eBank app, select Bill Pay, and enroll if needed—approval may take up to 24 hours. Once enrolled, follow the guided tutorial to add payees and schedule payments.

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.

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

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

CashBack+ lets you earn cash back by purchasing digital gift cards through Online Banking or the Extraco eBank app using your checking or savings account. Offers are personalized and updated regularly from hundreds of popular brands.