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Extraco Banks
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Business Checking

Your Success - Our Goal.
                 We have the financial tools you need to help your business succeed.

Your business is our business.

That's why we offer a diverse range of business checking accounts tailored to the specific needs of both businesses and nonprofit organizations.

Business Bonus Banking

For businesses who process a small number of transactions each month, and want the benefit of earning 1% CASH BACK on all signature based debit card purchases Business Bonus Banking is a great choice for you.

Key Considerations:

  • Waive $0 to $7.95 of the monthly service charge¹
  • Process 200 transactions or less per statement cycle (checks, deposits, deposited items, ACH credits/debits)²

Account Features:

  • 1% Cash Back on Debit Card use
  • Online/Mobile Banking
  • Mobile/iTM Deposit
  • Online/Mobile Bill Pay
  • Itemized Statement/eStatement

¹Waive $0.00 to $7.95 of the monthly service charge when participating in five of the following actions: Maintain a $2,500 average collected balance, use account debit card 10 times minimum per statement cycle, use eStatements, use Bill Pay, use mobile deposit or iTM deposit, use Electronic Funds Transfer, use Automated Clearing House, write less than 10 checks per month.
²Transactions in excess of the included amount per month are subject to a $0.45 per item overage charge.

Merchant Services 

It all ends with the point-of-sale. 

We make it easy for your customers to pay with a card. The easier it is, the happier your customers with be.

A woman types her PIN number into a portable credit card reader as the cashier rings up her coffee.

Commercial Checking

For businesses with moderate to high transactions who need a more sophisticated service to manage their cash flow.

Key Considerations:

  • Leverage our cash management solutions to help optimize your business¹
  • Pay only for the services you use and offset fees with earnings credits or reduce fees by maintaining a higher balance²

Account Features:

  • Online/Mobile Banking
  • Mobile/iTM/Remote Deposit
  • Online/Mobile Bill Pay
  • Itemized Statement/eStatement
  • Debit Card


¹The monthly earnings credit rate is equal to the discount rate of the 4-week U.S. Treasury Bill based on the results of the most recent auction by the U.S. Treasury of short-term U.S. Government Bills for the period, plus or minus a discretionary margin.
²Service charge is equal to the difference between the EARNINGS on the collected balances and the COST of servicing the account.


Charitable Checking

For non-profit businesses who process a small to moderate number of transactions per month.

Key Considerations:

  • Free account to non-profit businesses¹
  • Process 200 transactions or less per statement cycle (checks, deposits, deposited items, ACH credits/debits)²

Account Features:

  • Online/Mobile Banking
  • Mobile/iTM Deposit
  • Online/Mobile Bill Pay
  • Itemized Statement/eStatement
  • Debit Card


¹Client must receive eStatements and maintain 200 or less transactions per statement cycle.
²Transactions in excess of the included amount per month are subject to a $0.15 per item overage charge.
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