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

Easy Checking
Experience ultimate simplicity with our Easy Checking account.
Premier Plus Client Banking
Premier Plus Clients receive the highest level of customer service, rewards, and benefits a bank can offer.
Solution Banking
Solution Banking is ideal for those who have faced overdrawing issues in the past.
Discover® Debit Card
All Extraco Banks checking accounts come with a free Discover Debit Card.
BankOn Checking

Smart Savings
This savings account offers flexible access to your funds with tiered interest rates.
Smart Rate Money Market
This account offers a smart and secure way to grow your savings with competitive, tiered interest rates.
Certificate of Deposit
Maximize your savings with a certificate of deposit.
Savvy Savings
Round up your purchases to the nearest dollar and deposit the spare change into your savings account.

Commercial Checking
Experience sophisticated cash flow management with our Commercial Checking account.
Business Elite Checking
Our Business Elite Checking account is the perfect solution for businesses handling large amounts of cash.
Basic Business Banking
This account is simple and doesn’t have any hoops to jump through so you can focus on growing your business.
Business Bonus Banking
This account is perfect for businesses that want the benefit of cash back!
Charitable Checking
The perfect account for non-profit organizations, offering no monthly fees and tailored features to support and empower your mission.

Money Market Savings
Use the extra cash your business has to start working toward your future savings goals with tiered interest rates.
Business Elite Money Market
Enjoy the convenience of flexible access to your funds coupled with the added benefit of unlimited interest.
Jumbo Indexed Money Market
Maximize your savings and support business growth.
Certificate of Deposit
Certificates of Deposits are a great way to steadily grow your business’ value using the extra cash you have sitting around.

Treasury Management Services
Our team is dedicated to understanding your business and helping you operate effectively and efficiently.
Merchant Services
Let us help create flexible and secure solutions for your business.
CDARS/ICS Services
Get full FDIC coverage on account balances above $250,000 through the ICS and CDARS services.
Find a Treasury Management Consultant

Sometimes you just need a little financial breathing room.

Home Loans
We have options available to assist you in buying a home or refinancing your current mortgage.
Auto Loans
We make lending easy so you can get into your new car faster.
Personal Loans
Consolidate debt, make home improvements, or make a major purchase with a personal loan.
Business Loans
We offer business loans to help your business keep pace and grow.
Credit Cards
Our cards aren't one size fits all. Find the one that’s right for you.
Student Loans
Extraco Banks has teamed up with Brazos Higher Education to provide a variety of student loan options to fit your needs.

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Make a Personal Loan Payment

Begin a Mortgage Application

Upload Secure Documents

Business Credit Cards

Extraco Insurance is your go-to source for securing the most competitive rates across all your insurance needs.

Home & Auto Insurance
Your home and vehicle is one of the most important things you want to protect. Let us help you find the perfect policy tailored to you.
Life Insurance
It’s not just a policy, it’s peace of mind. Our agents will help you establish the coverage plan specific to your objectives.
Business Insurance
Our variety of insurance offerings will keep your company protected, so you can focus on building your business.
Meet Our Insurance Team
Extraco Insurance agents can write insurance for everyone in the state of Texas.

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Get A Business Insurance Quote

How Insurance Works

Wealth Management

We provide tailored plans to meet your unique needs when it comes to your future.

Retirement
Explore your retirement planning options with us, from 401(k)s to IRAs, tailored to meet your unique needs and goals.
Trust Services
Establishing a living trust provides organization and better control of your assets.
Financial Planning
Our financial services professionals have shared a commitment to excellence since 1951.
Private Bank
Our Private Bank team provides personalized guidance and innovative solutions that adapt to the needs and goals of our premier clients.
Investments
Choosing a solution that matches your needs is essential to achieving investment success.
Business Wealth & Trust
You wear a lot of hats as a business owner– let us handle your assets and retirement planning.

Private Banking

Check out our new, elevated banking experience for premier customers.

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Find A Private Banker

Find an Advisor

Wealth & Trust Inquiry

Wealth & Trust FAQs

Payroll Card

Stop writing checks for employees and achieve 100% direct deposit! When you work with Extraco, our goal is to help you run your business as effectively and easily as possible. Our team can help you get direct deposit payroll up and running for your employees.

Employees can be paid using Netspend Payroll Card from Extraco

Move To 100% Direct Deposit

With the Skylight® PayOptions Program, you can enroll employees and execute payroll seamlessly using your existing ACH Direct Deposit process. Employees receive their paychecks via a Skylight ONE Card, which functions as a Visa® debit card or Debit Mastercard®.

Benefits for Employers

Pay With Ease: Easily transition all payroll to Direct Deposit
Schedule Payroll: Utilize a streamlined processing platform for scheduling and executing payroll
Check Payment Reduction: Reduce the number of checks issued each pay period
Cost Savings: Save money on postage and check replacement or cancellation
Reporting Benefits: Access robust reporting and records

Benefits for Employees

Large Payment Network: Use the Skylight ONE Card wherever Visa® and Mastercard® are accepted
Increased Convenience: Eliminate the need to deposit or cash checks
Mobile App Access: Enjoy the convenience of the Skylight Mobile App
Timely Notifications: Receive Anytime Alerts with text or email notifications
Cash Back Earnings: Earn cash back on everyday spending

Move your payroll to the next level with the Skylight® PayOptions Program and enjoy the benefits for both employers and employees.

Get Started Today

Whether you need more information or are ready to begin, our dedicated TMS Consultants are here to assist you every step of the way. Fill out the form below to get started with Extraco's merchant services.

Get Started

Meet Your Treasury Management Consultants

Our expert team of TMS consultants is here to help you run your business finances efficiently and effectively.

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Treasury Management

Merchant Services

Open An Account