Let's build some dreams, together.

Let an award-winning Central Texas bank help turn your dreams into reality.

Extraco Banks makes managing personal finances easier and faster than ever with flexible products and services that support your goals.

Whether you're saving for college or retirement, looking to finance a major purchase, or searching for the perfect insurance plan, we offer a banking experience that puts you in charge.

Let's ChitChat!

Introducing brand-new online and mobile chat features to help you stay connected. Get answers in seconds, access 24/7, chat LIVE with a banker & much more! Click the chat icon in the bottom right corner of the screen to get started.

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Win up to $26,000 for your Central Texas business!

The Extrapreneur Award Program provides Central Texas businesses an opportunity to win up to $26,000 cash prize and gain access to business consulting resources with the goal to support continued economic growth in our communities.

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Services To Get You There

Personal Checking

Savings

Home Loans

Kids loading up family vehicle for a camping trip

Insurance

Get the all New Extraco eBank App

Check your balance, pay bills, transfer funds, and deposit checks— anytime, anywhere.

Extraco Bank Mobile App on an Apple Device

We have been banking at Extraco for over 20 years. They are always friendly and helpful! Having been there as long as we have, they are now very familiar with our personal and business accounts and anticipate our needs.

- Customer Review from Better Business Bureau

Thanks for The Love!

A special thanks to our customers and community for voting Extraco as Waco and Temple/Belton’s Most Loved Bank!

Vote for Extraco

Rivel Premier Banking Award

Extraco Banks was named a Texas Top Performer in 2020 for both Community Contribution and Reputation from Rivel, the world’s largest banking survey.

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BauerFinancial

Extra safe. Extra strong. Extra secure. Extraco Banks is consistently given a 5-star rating by BauerFinancial.

Extraco Banks wins the Temple Daily Telegram’s Best Bank award

People’s Choice “Best Bank"

Extraco Banks was named “Best Bank” by the readers of the Belton Journal and Temple Daily Telegram in 2020 and 2021.

Trending Topics & Events

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Online & Mobile Chat

Introducing 2 brand new chat options to meet your banking needs! Get answers quickly, avoid waiting on hold & chat with a LIVE Extraco Banker.

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CardSwap

Take the hassle out of new card updates. Update your card information across over 55 popular online services at the same time.

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The All-New eBank

An all-new banking experience is here! Explore our all-new features, such as online account opening, budgeting & savings tools and much more.

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Woman making online payment - Extraco Banks

Online Loan Payments

Extraco Banks understands customer needs are unique. That's why we are proud to offer our SmartPay feature which allows customers to set up automatic payments without having to call into the bank.

Resource Article

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.