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Extraco Banks
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Cash Management

Cost-effective banking solutions. Backed by experienced treasury
management professionals who are dedicated to understanding your business.
Focus on what really matters: your business. Our cash management services can help your business operate effectively and efficiently.

eBusiness Online Banking

Get up-to-the-minute information about your business accounts while enjoying the convenience of accessing those accounts when it suits your schedule. You can also grant varying levels of account access and transaction capability to select employees as predetermined by you.

Payments and Disbursements

Our objective is to make your day-to-day business processes more efficient and tailored to your specific needs:

  • Direct deposit of payroll
  • Wire Transfers
  • Pay rent collections via electronic direct deposit

Remote Deposit Services

Processing checks should be convenient and easy.

  • Deposit checks at your business with a desktop scanner
  • Deposit checks using your mobile device through our mobile app

Collections and Deposits

Explore our integrated payable solutions:

  • ACH Services for auto-draft receivables, memberships and tithes
  • Fast reliable funds transfers
  • Deposit checks remotely via a desktop scanner or mobile device

Business Lending 

Build, buy, produce, or expand. 

Whatever your business needs, we're here to make it happen.

A tailer takes measurements.

Check Representation

Any non-sufficient funds items in your deposit automatically convert to ACH and represent up to two times before collection process begins. As a result you’ll have:

  • Decreased chances of overdrawn accounts
  • Improved fraud detection
  • Better cash flow forecasting that allows you to make better borrowing decisions

Information Management

Access your information and review reporting of your information when you need it.


Funds Management

By putting your excess funds to work, you can maximize your returns and your working capital.

  • Investment Sweeps as an automatic overnight purchase of government securities utilizing collateralized repurchase agreement account
  • Zero Balance Accounts to concentrate funds in a master account which sweeps to ZBA as items are presented for payment

Risk Management

Mitigating risk and safeguarding your financial information from payment cyber fraud are critical to your organization.

  • Positive Pay to reduce fraud by electronically sharing your check register with the bank. We pay only the checks you list
  • Account Reconciliation Services with detailed reports and audit controls to reduce your time and processing costs
  • Time Restrict online access
  • Trusted IP for device-restricted access