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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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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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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You can order a debit card by calling Customer Service or through the Extraco eBank app under Manage Cards > Reorder Card. Be sure your mailing address is up to date, and note that expedited delivery is available for a fee.
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You can request a temporary increase by logging into Online Banking or the Extraco eBank app and utilizing card controls.
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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)
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To change your PIN, visit your nearest branch or call customer service at 1.866.EXTRACO (1.866.398.7226)
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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.
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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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Click below to learn about safe banking with Extraco.
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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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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.
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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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If you are experiencing issues with your Discover debit card being accepted at a store or online, please fill out the Merchant Acceptance Form with details so we can fix the issue!
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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.
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No problem! You can access your previously purchased gift cards either through the email confirmation or through your CashBack+ Wallet, which is accessible in the menu of the CashBack+ marketplace. If you cannot find the original email, reach out to support@prizeout.com (our partners in bringing you CashBack+) for assistance.
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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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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.
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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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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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All users will be automatically enrolled in Fraud Alerts.
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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.
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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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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.
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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.
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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.
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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.
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!
Credit Cards
Our credit cards aren't one size fits all. Extraco Banks offers a variety of cashback, reward and bonus options. Find the one that’s right for you.
Business Credit Cards
Explore our selection of business credit cards, including options for low rates, cash back, or flexible rewards, ensuring you find the ideal fit for your business needs.
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.
Payroll Card
Extraco Banks and Netspend provide a turn key solution that allows companies to save money with a payroll card program. Businesses can achieve 100% direct deposit using this program.
Discover Card Acceptance Form
If you have been told by a store or merchant that they do not accept Discover cards, we'd love to hear about it. We hope to use the merchant information you provide to ensure a better experience for you moving forward!
Discover® Debit Card
Extraco Banks is committed to helping you protect, understand, and manage your personal information and credit score all in one place. The Discover® Debit Card offers dark web and FICO® credit score monitoring. These features have no impact on your credit score and come at no additional cost. It is that easy!
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!
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!
Card Cracking: What is it? And how you can protect yourself
“Need cash quick with no strings attached? Have I got a deal for you?”
Skimming: What is it? And how you can protect yourself
Card Skimming is not new, but the technology that makes it possible is evolving. Would you be able to identify an ATM rigged with skimming devices?
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.
Are checks really safer than debit cards?
Once you decide to buy something, you then must determine the form of payment you’ll use. Is cash easiest? Will you write a check? Or is your debit card the best way to go? Pros and cons exist for all methods of payment. Many of us decide quickly without thinking through potential fraud or payment protection.
Benefits of Gift Card Programs for Your Business
Want to attract new customers and keep existing ones returning? A gift card program can help! In this blog, we'll highlight four benefits of using gift card programs. Here at Extraco Banks, we offer Cashback+ to our customers to purchase digital gift cards with bonus offers any time they want using funds directly from their checking accounts.
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.
What Is a Trust Fund?
Trust funds provide a financial safety net for your family in an unexpected tragedy. Creditors cannot access the money you place in a trust fund. However, the fund can pay for funeral expenses, medical bills, and other immediate needs. Trust funds can also ensure that your loved ones have the money they need to care for themselves financially, even after you're gone.
Bank Jugging: What it is and how you can protect yourself
As long as there are people making money, there will be others who will try to take it from them. While Skimming has been around for a while, the newest forms of theft are Bank Jugging and Card Cracking. You need to be aware of these new schemes so that they don’t happen to you.
