Safe Banking
Extraco Banks is committed to helping you keep your financial information safe. Bookmark this page to learn about the latest scams in the marketplace.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Click below to learn about safe banking with Extraco.
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All users will be automatically enrolled in Fraud Alerts.
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Coming Soon! Anytime you purchase Cashback+ digital gift cards using funds from your Extraco checking account, you can receive bonus offers!
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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.
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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.
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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.
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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.
Resource Center
Explore our resource center! The tools and information you need to succeed, right at your fingertips. Read articles about recents events on our blog, take advantage of our financial calculators, read how-tos and tips in our resource articles, explore our video library and keep up-to-date on events!
Alerts & Information
Check here for the most up-to-date information on Extraco Banks branches and operations.
eBank Video Guides - Alerts
Watch the eBank Video Guides to learn more.
Positive Pay Fraud Protection
By comparing incoming checks against your authorized list, Positive Pay prevents financial losses, avoids disruptions, and safeguards your reputation. If discrepancies are detected in the check details, we provide an electronic image for your review, ensuring you maintain control over payments and security.
Community banks get on board with bots
Extraco Banks is committed to using innovative technology to provide our customers with a superior customer experience.
How to Protect Older Adults and Loved Ones from Fraud
As autumn draws near, it’s time to consider the holiday season ahead. Although fraud can happen to anyone anytime, it’s especially concerning during the holidays. Older adults and loved ones often feel the brunt of these attacks. The FBI reported Americans aged 60 and older lost nearly $1.7 billion in 2020, with fraud claiming over 92,000 victims that year.
Buckle Up: Check Fraud Is on the Rise—Here’s How to Stay Safe
Even though check usage has decreased by 25%, reports of check fraud have nearly doubled since 2021. Criminals are getting more sophisticated, stealing financial information to access—and fly off with—your hard-earned money.
How to Ban Scams from Fake Checks to Online Shopping and More
Robocalls are one of the most common scams Americans face today, and scam artists use many approaches to trick you. It might be an auto warranty renewal, a hotel reservation, an award you won – even if you never entered a drawing for it – and more. Still, robocalls are only one of the many avenues scam artists use to trick you.
Can You Spot a Phishing Scam? 🕵️♀️
Every day, scammers trick people into giving away personal information through emails, texts, and phone calls disguised as their bank. With more of us relying on online and mobile banking, these scams are on the rise. In fact, the Federal Trade Commission reported that Americans lost a shocking $10 billion to phishing scams and fraud in 2023—a 13.6% increase over 2022.
Fraud Alert Management
Extraco fraud alerts!
Holiday Travel on a Budget
For many, the holiday time often involves travel, whether it's a short trip to visit relatives or a more extended vacation to explore new destinations. However, with travel comes expenses, and managing these costs can be a daunting task.
Understanding eBank Security Alerts
Extraco eBank offers several security alert options to notify you of specific account activities. Utilize customizable alert settings for added security on your account. When logged into Extraco eBank, select the Settings tab on the left hand side and then Alerts. Standard alerts are automatically toggled on, but you can adjust any as you see fit.
Settling Financial Matters When a Loved One Passes
During the loss of a loved one, it can be hard to think straight and know how to unravel your loved one’s finances once he/she passes. It can feel overwhelming trying to deal with all the details. We've compiled a checklist of the typical duties of an executor when settling an estate.
New! Real Time Alerts
How to set up real time alerts.
ICYMI— The Human Resource Lifecycle of a Business
By: Alex Eichenberg, Liz Barton & DJ Snyder
ICYMI— The Human Resources Lifecycle of a Business
We want to share our expertise and knowledge about the lifecycle of an employee – from hiring to firing – with you. Below is a recap of our October Bank & Brews workshops focused on four aspects of human resources which are vital to a business (and improving the bottom line): hiring, building, coaching & disciplining employees. Make sure to download the templates from each workshop!
What Expenses You'll Want to Consider When Buying a Home
Saving to buy a home can be overwhelming. Here is a list of costs you will need to consider when saving: 1. Down Payment 2. Closing Costs 3. Moving Expenses
The Role Title Plays When Purchasing a Home
The purpose of the title company is to make sure the title to the home is lawfully given to the buyer. Once the title company has completed its verification, it will support that guarantee with title insurance. Title insurance protects the bank and the owner if someone were to make a claim to the property.
How to Get the Most Out of Your Credit Card
In a 2020 Bankrate survey, 59% of U.S. adults reported carrying a credit card, yet 31% did not redeem their rewards. Whether you already have a credit card or are shopping around for your first one, getting the most out of your credit card is essential.
How to Set Up Email, Text and Voice Alerts for Your Bank Account
By adding email and text alerts to your bank account, you’re able to keep track of bank-related notifications that are important to you. Below we've listed the steps you take to set up email and text alerts for account events and balances.
When Is it Time to Increase Your Team?
Growing your team can be nerve-wracking and exciting bundled together. On the one hand, it means you’re hitting important milestones and expanding your business. Yet, it also means you need to grow your team and perhaps even hire new types of talent to accommodate your increasing need. Finding the sweet spot and knowing when to hire and when to hold off is key. Thankfully, there are a few simple ways to tell when it’s time to increase your team.
Dorm Room on a Dime: How to Get the Look for Less
When you are budget-savvy and looking for stylish living solutions, finding the look for less is top of the to-do list. That’s why we’re digging in to offer hacks and solutions that won’t break the bank.
How to Get Started with the New Extraco eBank
The new Extraco eBank is coming on May 12th. Here’s what to do after the upgrade to get started.
How Entrepreneurs Can Get a Business Scholarship Award
Are you an entrepreneur looking to further your education? If so, you might be eligible for a business scholarship award! These awards help business owners finance their education and continue their business ventures. We'll go over how to start your search, standard eligibility requirements, and the types of scholarships available. We'll also provide you with some success tips for completing your applications. So, if you are ready to level up your business skills, read on.
Virtual Assistants in Banking: Get Fast Answers to Banking Questions
You’re already familiar with the concept of a virtual assistant. Chat bots and virtual assistants have been around for a while, but they aren’t always as helpful as we’d like them to be. Newer technology, however, has improved this to provide you with the best answers to some of the most common questions we receive. You may have a question that falls outside the norm. Never fear! Our brand new chat feature also helps you to reach a real Extraco Relationship Banker to streamline the process from question to solution.
Credit Card Debt: How to Know When You’re in Over Your Head
It’s best to avoid going too deep into credit card debt, and the way to do that is with careful planning and by creating a solid budget that you can live with. Knowing what you can reasonably afford and when you’ve reached that point is half the battle to preventing debt.
3 Tips to Get the Most from Your Financial Advisor
Make 2023 your best year yet with a financial advisor’s help. But how do you ensure you get the most from their services? After all, hiring an advisor isn’t cheap and can set you back between $2,000 and $7,000 per year for those who charge a flat rate. Others, however, charge a percentage of your account.
Big Budgeting Mistakes and How to Fix Them When They Happen to You
It’s easy to get off track even when you have a budget. Correcting mistakes isn’t easy, and it takes time, but you can improve to come out ahead in the future. Here are five big budgeting mistakes and ways you can fix them.
