Extraco Bank Login – Complete Guide to their Online Banking

Established in 1902, Extraco Banks is one of the most comprehensive independent financial institutions in central Texas with more than $1.5 billion in assets and 120,000 customers. In recent years, Extraco realized the need to implement new technologies to remain cutting edge and to compete with larger national banks. The Extraco Bank login is one of their great services in providing an online system to explore all of their banking products and manage their customers’ money remotely on the go or at home.

Based in Waco, Texas, Extraco Bank has 17 branch locations throughout the state of Texas. Besides physical branches, Extraco Bank also serves its customers using digital banking to make all of the products and services more accessible easily without going to the relevant branches. To learn more about how to operate their online system, we provided step-by-step instructions to log in, enroll, and reset your password on the Extraco login portal.

How to Login to the Extraco Bank Login Portal

The steps you’ll take to log in are very simple. Simply follow the steps outlined below to log into the Extraco Bank login portal.

Step 1: Go to the Extraco Bank login portal through this link.

Step 2: Click Secure Login on the upper side of the homepage.

Step 3: Select Online Banking (Personal & Business) then click Login to Online Banking.

Step 4: You’ll be redirected to the Extraco Bank login NetTeller page. Enter your Login ID and Password then Log In.

Just in three simple steps you’ve successfully logged in to the Extraco login portal to enjoy all of the services provided.

How to Reset Your Password on the Extraco Bank Login Portal

You may have a problem recalling your Extraco Bank login password because you have plenty of online accounts. If you’ve forgotten your password, simply follow the prompts below to reset:

Step 1: Go to the Extraco Bank login portal through this link.

Step 2: Click Secure Login on the upper side of the homepage.

Step 3: Select Online Banking (Personal & Business) then click Login to Online Banking.

Step 4: You’ll be redirected to the Extraco Bank login NetTeller page. Click the Forgot your password? link.

Step 5: Enter your Login ID then Submit.

Complete all the steps very carefully until you’ve successfully reset your password. Once you’re done, you can use the new password to access the Extraco Bank login portal again.

How to Recover Your Username on the Extraco Login Portal

In case you come across a situation where you want to send money to your friend, but you suddenly forgot your username, no worries. Follow the prompts below to recover your username on Extraco online banking.

Step 1: Go to the Extraco login portal through this link.

Step 2: Click Secure Login on the upper side of the homepage.

Step 3: Select Online Banking (Personal & Business) then click Login to Online Banking.

Step 4: You’ll be redirected to the Extraco Bank login NetTeller page. Click Forgot/Unlock Username.

Step 5: Click Forgot Login. Enter your Mobile Phone Number, Last Name, Social Security Number, Date of Birth, Zip Code, Account Number, and Account Type. Then, click Continue.

Once you’ve completed the steps, the system will send your login ID to the email they have on file. You can use it again to access your Extraco Bank online account.

How to Enroll in Extraco Online Banking

If you already have a bank account with Extraco Bank, a checking, savings, CD, or loan account, you can easily enroll in the Extraco online banking login portal. Kindly follow the prompts highlighted below.

Step 1: Go to the Extraco Bank official website through this link.

Step 2: Click Secure Login on the upper side of the homepage.

Step 3: Select Online Banking (Personal & Business) then click Login to Online Banking.

Step 4: You’ll be redirected to the Extraco Bank login NetTeller page. Click Personal Enrollment.

Step 5: Enter your Last Name, Social Security Number, Date of Birth, Zip Code, Account Number, Account Type, Secure Access Email, Mobile Phone Number, and Requested Username. Then, click Continue.

Make sure that you finish all the required steps to enroll in Extraco Bank online banking. Then, you’ll be able to log in to your account and enjoy the services offered.

Mobile Banking Capabilities of Extraco Bank

Mobile banking is the best way to the bank when you’re on the go or at home. Extraco eBank app allows you to manage your accounts wherever, and whenever with its mobile banking features. Let’s check what you can do with Extraco eBank:

• Check your account balances and activities,
• Deposit checks using your phone camera,
• Schedule and pay your bills,
• Transfer funds between accounts,
• View eStatements,
• Manage your debit card,
• Set up your budget and savings goals,
• Find the nearby branches and ATMs, and
• Contact Extraco Customer Service via the app.

Download Extraco eBank on the App Store and Google Play. You can log in with your existing Extraco online banking login credentials to access all features.

How to Contact Extraco Bank

When you need help navigating Extraco online banking, contact Customer Services immediately for further assistance. You can use the chat feature by clicking the chat icon in the bottom right corner of the page. You can also send your questions to Extraco Customer Care via text message at 1-254-294-2323. SMS Chat is available Monday-Friday 8 AM-5 PM.

If you prefer to talk, check the contact information below:

Personal Accounts: 1-866-398-7226

Business Accounts: 1-855-258-0280

Phone24 (24/7 Automated Phone Banking): 1-800-522-3972

Change Your Debit Card Pin: 1-800-522-3972

Customer Care Hours:
Monday-Friday: 8 AM – 11 PM
Saturday: 9 AM – 12 PM

Or you may want to meet a banker in person by visiting your local branch. Click here to find the address and make an appointment.

Other Banks of Similar Capacity in Texas

Texas is a home for regional, national, and local banks to help Texas residents meet their financial lives better. Specifically, many people are trying to establish their savings goals by looking for a better banking product that provides high rates and low fees. A certificate of Deposit (CD) is one of the best places to earn more money and achieve your savings goals considering it has a higher rate than a regular savings account.

Extraco’s Certificate of Deposit has a minimum opening deposit of $1,000 and no charge to open an account. There are seven terms on this CD account and the APY is based on your terms. A 30-day term has 0.20% APY, a 90-day term is 0.30%, a 180-day term is 0.35%, a 12-month term is 1.25%, an 18-month is 1.50%, and 24-month is 1.75%. There is also a special CD of a 20-month term with 2.50% APY.

If you live in Texas and are still looking for another bank to build your savings with a CD account, you may want to check the listed banks below:

• First National Bank of Texas
• Amegy Bank
• Comerica Bank

Let’s take a look at them!

First National Bank of Texas

Originally founded in 1901, First National Bank of Texas has grown to over $3.7 billion in assets. The bank operates more than 340 branches in Texas, Arizona, Arkansas, and New Mexico with headquarters in Killeen, TX. First National Bank of Texas offers customer-friendly services, including a variety of checking and savings accounts, CDs, loans, and more.

Fixed Rate CD by FNBT has a $500 minimum opening deposit and minimum balance to obtain APY. The terms range from three months to five years. The 3-month term has a 0,25% APY, the 6-month term is 0.30%, the 9-month term is 0.25%, the 1-year term is 0.40%, the 2-year term is 0.50%, and the 5-year term is 0.70%. There is a special CD with a $10,000 minimum opening deposit and a 2.52% APY for the term of 13-month.

Amegy Bank

Amegy Bank of Texas is operating around Texas with headquarters in Houston, TX. The bank has up to 94 locations in Greater Houston, Dallas, Fort Worth, and Central Texas. Amegy Bank is a division of Zions Bancorporation with total assets exceeding $65 billion. Amegy Bank offers both personal and business banking services, including foreign exchange, military products, lending, and more.

Amegy Bank’s Certificate of Deposit has a minimum initial deposit of $1,000, no monthly fee, and a flexible term between 30 days and 5 years. An APY for terms of 1 & 3 months is 0.01%, for 6 & the 9-month term is 0.03%, for 12 & the 18-month term is 0.05%, the 24-month term is 0.10%, 36 & 48-month term is 0.15%, and for a 60-month term is 0.20%.

Comerica Bank

Founded in 1849, Comerica Bank has expanded across the U.S. and operates in Arizona, California, Florida, Michigan, and Texas. Comerica Bank has total assets of $84.1 billion as of September 30, 2022. It is known as one of the largest banks in the U.S. and has 409 banking centers. The bank offers many products, including savings, checking, student loans, and more. 

To open a Flexible Rate Certificate of Deposit, you must have a minimum opening deposit of $1,000. With a term of 7 to 179 days, you’ll earn a 0.03% APY and a 0.05% APY with a term of 180 to 364 days. For terms of 1 & 2 years, the APY is 0.10%, the term of 3 & 4 years is 0.15%, and for terms of 5 to 10 years, the APY is 0.20%.

To sum up, First National Bank of Texas has the lowest minimum opening deposit among them, which is only $500. Comerica Bank has more variety of terms, which is up to 10 years, but the APY is lower than others. Extraco Bank offers the highest APY, which is you can earn a 1.75% APY with a term of 24 months. Overall, Extraco’s CD has a higher APY than the other three.

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Hope this article was useful and gives you all details about Extraco Bank login procedures. Feel free to contact us with any questions you may have.