Terms and Conditions
Extraco Banks is committed to providing customers with an exceptional customer experience, which includes providing various ways to access information.
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Click below to learn about safe banking with Extraco.
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Once a gift card is purchased, we are unable to exchange the gift card or cancel the gift card to refund your account.
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To request a commercial change order, please click below.
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We are not accepting coin deposits through the drive-thru at this time.
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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.
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Yes, you can customize your portfolio by adding or removing investments before funding your account, and you can update your investment topics once per year to align with your values and interests.
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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.
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Not at this time. This feature is currently disabled to protect our customers from C2C fraud.
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Absolutely, you can determine which accoutn funds are debited from before entering the Cashback+ marketplace.
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Typically gift cards cannot be canceled or exchanged. However, you can reach out to Cashback+ support for guidance at support@prizeout.com
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Yes! The Extraco Treasury Management Services team can set up online wire transfer services through your online banking. Contact a TMS Consultant today!
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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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We are happy to provide a variety of digital banking options for our customers. Click below to learn more.
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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.
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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.
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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.
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No. Due to the technical limitations of certain types of ATM machines, Allpoint is not able to prevent the "surcharge message" screen from appearing on some Allpoint ATMs. You should continue the transaction by answering "yes" on this screen.
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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.
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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.
Extrapreneur Award Program
Extrapreneur Award Program
Life Disasters
Extraco Banks understands the unique needs of Central Texans during times of disasters. When you're an Extraco customer, you're part of the Extraco Family. Let us help you and your family through any of your needs.
Curbside Delivery Request
Curbside Delivery is now available at our Waco: Bosque, Waco: Downtown, Waco: Midway, Killeen, Temple S. 31st Street, and Belton locations. Get printed statements, new/replacement debit cards, cashier's checks and notaries delivered to your car with the click of a button!
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Ask any question to find the answer you need from Extraco Banks today. Learn more about our locations, FAQs and products.
Extraco Banks - Weather Updates
With the winter weather affecting Central Texas communities, we want to keep our customers up-to-date with important information related to insurance claims, branch closures and more.
Your Complete Moving Checklist
There is so much to do when you’re getting ready to move — especially if you’re moving to a new city. This checklist won’t reduce your to-do list, but it can make it easier to avoid forgetting important tasks.
Bank & Brews Waco | Utilizing Google Web Tools in Your Small Business Marketing Strategy
Take a deep dive into some of the essential (and free) Google website tools that all businesses should be utilizing. For our August Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be essential, and often underutilized, tools for all businesses– Google Analytics, Google Tag Manager, Google Search Console, and Google My Business.
Tax Refunds: Frequently Asked Questions
At the beginning of each year, you’ll start to receive tax information in the mail. After using these forms to file your taxes, you might expect a tax refund. While you can choose to have it deposited to your bank account, the IRS controls the entire processing and transaction process.
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.
ICYMI– Bank & Brews Waco | A Deep Dive into Google Analytics
After wrapping up a three-part series around the Startup Waco and Public Improvement District Marketing Skills Toolkit, we thought it was time to take a deep dive into some of the essential tools that all businesses should be utilizing. For our June Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be an essential, and often underutilized, tool for all businesses– Google Analytics.
Is a VA loan right for you?
Extraco Mortgage wants to help our Veterans, Active Duty Military and Surviving Spouses get the mortgage loan they have earned. A VA loan is a mortgage loan that is guaranteed by the Veterans Administration. It is different from a Conventional loan and a FHA loan in several ways.
Vacation planning: Steps to make sure you’ve got a budget and a plan for this year’s vacation
Summer has finally arrived, and if you haven’t done so yet, it’s time to think about how to spend your 2022 summer vacation. The good news is that many governments and businesses have lifted pandemic restrictions. However, in their wake, we’re now facing higher prices at the pump, the stores, and everywhere else. Yet, with a few simple tips, you can still plan an enjoyable vacation while sticking to a budget.
Ways to Save More Money: Tips to find extra funds to save and cut your monthly expenses
If it seems like every news article you read drags you down, and every trip to the gas station and grocery store makes your budget cry, then you’re not alone. Yes, prices are rising. Sometimes it seems like they’re rising daily, but that doesn’t mean you can’t find ways to save more of your hard-earned money. It just means that, at least in today’s market, you sometimes might need to get a little more creative about how you go about saving money. Although this list isn’t all-inclusive, here are several tips to get you started.
Managing seasonal demand
Managing seasonal demand. Extraco Banks is committed to building businesses throughout Central Texas. Whether you're a startup or looking to create a succession plan for your business, we have the resources to help you achieve your business goals.
6 Tips for How to Pay for a Major Medical Expense
This year, the Susan G. Komen Foundation predicts there will be 287,850 new cases of invasive breast cancer in women and 2,710 new cases of male breast cancer. While early detection and prevention are essential, cancer care and treatment costs can be astronomical. So how do you pay for these and other major medical expenses?
ICYMI– Bank & Brews Temple | Business Plans
A solid business plan is essential for all businesses. Jason Ehler of the Small Business Development Center and Brian Reinhardt of Extraco hosted a great session on what to include in your business plan (as well as what NOT to include), how often to revisit your plan after the COVID-19 pandemic, and resources that all business-owners should be utilizing.
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.
Refinance Your Home Loan: How to Lower Payments and Pay Off Faster
Mortgage refinancing can save you money, lower interest rates and help you pay off your home faster. Let Extraco Mortgager help you learn about the key benefits today.
How to Improve Your Credit Score
Your credit score is a three-digit number which helps lenders determine the risk of lending you money. If you aren’t getting approved for credit cards or loans, you may need to improve your credit score. Building your credit isn’t a speedy process, but there are several things you can do to start paving the way to a better credit score.
How to Help Your Teenager Build Credit
Credit is the ultimate catch-22. To get credit, you must have a credit history. Young people wanting to establish themselves financially often find themselves in this conundrum. They've never had a credit card, haven't purchased their own vehicle and are not a home-owner. In other words, they're invisible to the credit bureaus.
What is Positive Pay?
Positive Pay is an automated cash management system that helps eliminate the risk of losing money from fraudulent checks. We use this system to coordinate financial payment security efforts with your business; this allows your business to monitor payments and ensure that only your payee receives the approved funds. If we receive a check that doesn't match your Positive Pay file, we will contact you to verify payment details before honoring it.
Creating a Budget
A budget will help you understand your spending patterns and gain better control over your money. Creating one helps you understand where you spend your money and discover areas where you can save.
6 Steps to Creating a Great Financial Plan
The biggest mistake in financial planning is not having one. Creating a financial plan is not difficult, but it is daunting! We've broken down the six key steps to the financial planning process.
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
Savvy Secrets to Planning a Summer Vacay on a Budget
As you embark on your summer vacation, don’t forget to plan for all the big and small expenses. Remember, by setting a realistic travel budget, you’ll have a solid foundation and a worry-free vacation.
Valentine's Tips: Celebrate the Day Without Breaking Your Budget
Valentine’s celebrations don’t have to come with financial stress. A little planning ahead can help you enjoy the moment, stay on budget and feel good about your spending long after the day is over. Here are a few tips to help you enjoy the holiday.
From Side Hustles to Savings: Ways to Make College More Affordable
We've compiled a short guide to help you navigate the financial terrain with savvy strategies and clever hacks to transform your dreams of higher education into a budget-friendly reality.
Identifying Your Business Drivers
Identifying and monitoring the key drivers of your business will help track what’s happening and trigger red flags for when remedial action is needed. A whole range of internal and external factors affects the performance of every small business. Read our resource article to learn more!
Mobile & Online Banking
Our online and mobile banking features offer you access to your accounts – anytime, anywhere.
Nine Clever Strategies to Save More on Groceries
Saving more money while shopping can be made simple using these different ways to increase your savings. With these nine strategies, you’ll quickly become a savvy shopper.
