Why does everyone still call checking, checking?


Making a purchase, managing your money, and paying bills is easy when you combine your Extraco debit card with our mobile app. 


Most Popular


Bonus Banking


Enjoy CASH BACK¹ on all your signature based debit card purchases along with up to $20 reimbursed on non-Extraco ATMs². Waive $0 to $7.95 of the monthly service charge when you are eligible or participate in four of the following buydowns:

  • Use debit card 30 or more times per statement cycle
  • Use online/mobile Bill Pay at least one time per statement cycle
  • Use direct deposit
  • Use eStatements³
  • Use mobile or iTM deposit4 3 times per statement cycle along with 0 check/cash deposits in the lobby
  • Are 65 or more years of age
  • Fee is waived if a student is actively enrolled in school

Each service charge action reduces the account fee
by  $1.99.

Plus, earn Basic,5 or Premium6 interest in additional monies for your pocket just for doing the things you already do.
 


¹ 0.25% CASH BACK on all credit or signature based debit card transactions. Up to $250 is credited at the end of the statement cycle. There is no annual fee for this program.
² Up to $20 in non Extraco ATM fees reimbursed per statement cycle.
³ $3.00 charge on all mailed paper statements. Waived if 65 years or older.
4 Mobile and ATM deposit service subject to approval and must be requested.
5 To qualify for Basic Interest requires: eStatements, use of debit card at least 10 times, and maintain direct deposit each statement cycle.
6 To qualify for Premium Interest requires: eStatements, use of debit card at least 60 times, maintain direct deposit, and pay at least 5 bills with Extraco Bill Pay per statement cycle.



Basic Checking


Get all of the essentials of a checking account and waive the monthly service charge when you:

  • Maintain an aggregate balance of $1,500 between the average monthly balance of all deposit accounts and/or outstanding non-mortgage loan balances at the end of each statement cycle.
  • Or, be 65 years or older and use direct deposit

Otherwise, service charge is $7.95.
 


¹ $3.00 charge on all mailed paper statements. Waived if 65 years or older.
² Free cashier checks for 65 years old or older. Must be over $250 in value.
³ Fee will be waived if an aggregate balance of $1,500 between the average monthly balance of all deposit accounts and/or outstanding non-mortgage loan balance at the end of each statement cycle.

Holly Tucker — Singer. Song Writer. Extraco Customer.

"I love banking with Extraco!"

Whether I'm traveling or stopping by a location for some face-to-face, Extraco always gives me personalized service whenever and however I need it.

Solution Banking

A simple solution for those in the process of rebuilding their finances or want extra help staying on budget.

  • Check writing privileges are not allowed with this account

Monthly service charge is $4.95.


¹ $3.00 charge on all mailed paper statements. Waived if 65 years or older.
Interest Checking

Earn interest on your checking account and waive the monthly service charge, if the Daily Balance never falls below $2,500 at any time during the statement cycle.
 
Otherwise, service charge is $7.95.
 

¹ $3.00 charge on all mailed paper statements. Waived if 65 years or older.
² Free cashier checks for 65 years old or older. Must be over $250 in value.