MOBILE PHONE BANKING MADE EASY.

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1 MOBILE PHONE BANKING MADE EASY.

2 Extraco Banks Mobile Phone Banking Guide Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/publisher, nor Extraco Banks shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service. Extraco Banks, N.A. is a Member FDIC.

3 Welcome Extraco is proud to offer mobile phone banking to all Online Banking customers. If you have access to the Web on your mobile device, your mobile banking will be fast and convenient - just go to on your phone s web browser and you can get started with Mobile Banking right away. With mobile banking, you can access balance information, pay your bills, and transfer funds and find nearby ATMs or banking centers through the browser on your cell or mobile phone. With Extraco, your Mobile Banking service is free, secure, and allows you to manage your accounts whenever and wherever you want. I hope you enjoy your Mobile Banking experience. Michael W. Thompson President and Chief Executive Officer Extraco Banks i i

4 Security Now you can bank anywhere you have Internet access on your mobile phone through a private, secure, and easy way Mobile Phone Banking. If you are currently an E-Bank user, Mobile Phone Banking provides you more freedom to make sound choices in your financial management. Just like E-Bank, Mobile Phone Banking through Extraco offers the same security firewalls to protect your data and securely guards you in Internet traffic. Review the Online Banking Guide for ALL security measures Extraco Provides. Security Of Your Cell Phone Good security starts with you. It includes ensuring that no one has access to your phone without your permission. It means contacting Extraco if your cell phone is lost or stolen. And, never storing important information such as passwords or logins on your cell phone. Some cell phones may be password protected, or have a lock function available to the user. Requirements To be a Mobile Banking user, you must be signed-up for E-Bank. Your cell phone contract must contain the Data Package for Internet access to the World Wide Web. This is an additional cost by all cell phone providers. If signing up for Text Message Banking, ensure your contract contains a text plan. Texting is an additional service you may need to purchase through your cell phone provider. ii

5 Table of Contents Security and Requirements... Overview... Find Us... Checking Rates... Logging into E-Bank... Text Message Banking... ii Adding a Shortcut Button... 7 For... 7 For mobile... 9 Safety Tips and Contact Information Frequently Asked Questions on Mobile Banking Safety and Security Customer Care iii

6 Getting Started and Logging In Using E-Bank, finding a location or checking rates via your mobile phone is easy. Launch your cell phone browser and go to In the upper left corner of your screen, select the type of action you would like to perform. 1

7 Find Us With Mobile Banking, finding a location, ATM, or itm is simple. Just click on Find Us, define a City and type of location you wish to contact, and click GO. Address, phone number, hours of operation, and a link to Google maps is provided to make finding us a cinch. Example of results. 2

8 Check Our Rates Want to stay in-the-know on the latest rates Extraco has to offer? Click on Rates, define the type of account you would like to access (ex: Checking or Savings), and review up-todate rates. Example of results for Checking. 3

9 Log Into E-Bank To Launch E-Bank from your mobile phone is the same as through a computer. See ONLINE BANKING Guide for complete E-Bank Overview and Management Tools. This will not be covered in the Mobile Banking Guide. 1 Select Login from your mobile phone menu. Note: As a security measure, if someone attempts to gain access to your account and uses an incorrect/invalid password three times in a row, your E-Bank will become Locked prohibiting access to the account by anyone. If this occurs, contact Customer Care at to have your account Unlocked. 2 Enter your E-Bank I.D. and 3 click Submit to access your account. Verify the PassMark image and phrase, enter your Password, and click Submit. 4

10 Text Message Banking Register your mobile device for Text Message Banking today. Now you have access to your balance and transaction information just by texting Here s how to register 1 Sign up for Text Message Banking via the Text Message Banking tab in the Phone Banking section of extracobanks. com. A shortcut is provided via the button below. Once you are on our Website, click on Register or Sign-up For Text Message Banking. 5

11 Text Message Banking 2 After receiving a confirmation text message on your phone, send one of the text commands (listed below) to You will receive a text message response with the information requested. Extr BAL = Account Balance Extr HIST = Last three transactions on account Extr CMD = Show valid commands Extr HELP = Send information on commands and how to use it. Extr STOP = Cancel service 6

12 Adding A Shortcut Button To Website For iphone Users Access to Extraco s Website is even faster for iphone users. Add a shortcut button to your Home Screen for convenience by following these quick, easy steps. 1 Access through Safari s search 3 engine. Select Add to Home Screen. 2 Press + in the bottom menu. 7

13 Adding a Shortcut Button To Website For iphone Users (continued) 7 4 Press Add when 5 prompted. Your iphone will add a button to your Home Screen for 8

14 Adding A Shortcut Button To Mobile Banking Site For iphone Users Extraco also includes a shortcut button to the Mobile Banking site for iphone users. This provides a streamlined approach to E-Bank and your money management. 1 Access mobile. 3 through Safari s search engine. Select Add to Home Screen. 2 Press + in the bottom menu. 9

15 Adding a Shortcut Button To Mobile Banking Site For iphone Users (continued) 4 Press Add when 5 prompted. Your iphone will add a button to your Home Screen for mobile. 10

16 Adding A Shortcut Button To Mobile Banking Site For BlackBerry Bold Users Now we have a shortcut for BlackBerry Bold users too. Add a shortcut button to your Home Screen for convenience by following these quick, easy steps. 1 Click menu and select 3 browser. Enter URL: extraco. mshift.net and press OK. 2 Click menu and select Go To... 4 Click Download Black Berry Shortcut link on home screen. 11

17 Adding A Shortcut Button To Mobile Banking Site For BlackBerry Bold Users (continued) 5 Select Step 1 (Click here to download BlackBerry 8 Shortcut). 6 7 Select Download and click OK. The shortcut will be downloading. 9 A message prompt will appear stating Download is complete. Your BlackBerry will add a button to your Home Screen for mobile. 12

18 Adding A Shortcut Button To Mobile Banking Site For BlackBerry Curve Users Now we have a shortcut for BlackBerry Curve users too. Add a shortcut button to your Home Screen for convenience by following these quick, easy steps. 1 Click menu and select 3 browser. Enter URL: extraco. mshift.net and press OK. 2 Click menu and select Go To... 4 Click Download Black Berry Shortcut link on home screen. 13

19 Adding A Shortcut Button To Mobile Banking Site For BlackBerry Curve Users (continued) 5 Select Step 1 (Click here to download BlackBerry 8 Shortcut). 6 7 Select Download and click OK. The shortcut will be downloading. 9 A message prompt will appear stating Download is complete. Your BlackBerry will add a button to your Home Screen for mobile. 14

20 Frequently Asked Questions Safety and Security Frequently Asked Questions For Frequently Asked Questions on Mobile Phone Banking, go to and Click on FAQ or simply CLICK HERE. Safety and Security Keeping your information safe and sound is important to us. Which is why we recommend you review the E-Bank ONLINE BANKING GUIDE for safety and security tips of your electronic account management. While Mobile Banking provides a great tool for you to manage your money conveniently, ensure you take all precautions necessary to avoid fraudulent activity or identity theft. 15

21 Contact Information Customer Care Temple region: Waco region: Killeen region: Gatesville region: Toll-free:

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