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Bonus Banking

Get rewarded. Enjoy Cash Back on all your signature-based debit card purchases.

Earn cash back on your spending.

With Bonus Banking, you'll enjoy Cash Back on all your signature-based debit card purchases along with up to $8.33 in ATM fees reimbursed monthly when you use non-Extraco ATMs. Waive $2 to $6 of your $6 monthly service charge when you do any of the following:

  • Use direct deposit greater than or equal to $1,000 within the statement cycle
  • Maintain $2,500 average collected account balance within the statement cycle
  • 15 signature-based transactions
Features:

 

 

Educator Bonus Banking Checking Account

NEW! Educator Bonus Banking 

Enjoy a $250 bonus when you open a new account and set up direct deposit(A).

  • Offer available for K-12, college, and university educators and administrators in counties where Extraco Banks are located
  • Must be a new Bonus Banking customer
  • Offer valid through May 18, 2021

Important disclosures and additional information at the bottom of the page

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Your debit card benefits:

A card beyond convenient. When using your card, you are covered in many ways. Your card features:
 


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Consumer Debit Card

 

With Extraco, you have access to over 55,000+ surcharge-free ATMs at locations like Target, CVS, and more.

Find an ATM Near You

 

Fraud Alerts

Updates to Fraud Alerts

Starting March 8th, you'll be able to automatically self-resolve any fraud issues to your account. 

  • You'll be contacted via text message, email and phone call if there is suspected fraud on your account.
  • You will need to respond within 20 minutes to unsuspend your debit card.
  • Make sure we have the correct contact information for you on file by completing this secure webform.
Learn More

 

Important Disclosures and Information

 

  • Cash Back qualifications:  0.15% 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
  • ATM reimbursement: Up to $8.33 in non-Extraco ATM fees reimbursed per statement cycle. ATM reimbursement qualifications: Use of eStatements, use of debit card at least 10 times, and direct deposit(s) that total $1,000 or more posted to account during same statement cycle
  • Premium interest qualifications: 0.25% if you do the following: 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, and direct deposit(s) that total $1,000 or more posted to account during same statement cycle
  • Mailed statement charge: $5.00 charge on all mailed paper statements. Waived if under 18 or 65 years or older

 

(A) Educator Bonus Banking Checking Account: To qualify for the bonus, you must: be a new Extraco Banks Bonus Banking customer, not have closed a Bonus Banking account within the past 6 months at Extraco Banks, set up Direct Deposit greater than or equal to $1,500 within statement cycle. If the account is open for less than 365 days, a $250 closing fee will be charged to the account

  • Offer valid until May 18, 2021 for educators located in Bell, Bosque, Brazos, Coryell, Hamilton, McLennan, Williamson, and who are employed at K-12, college, or university campuses.

  • Cash Back qualifications: 0.15% Cash Back on all credit or signature-based debit card transactions. Up to $250 per statement cycle. Select Credit instead of Debit when making a purchase and sign for the purchase instead of using PIN number.

  • ATM Fee Reimbursement: you may receive up to $8.33/statement cycle (for up to $100/year) in reimbursement of non-Extraco ATM fees. This fee is in addition to the service charge at the terminal. 

  • Monthly service fee is $6.00 UNLESS your average collected balance is greater than $4,999 OR you have 30 or more CREDIT (or signature-based) transactions per statement cycle OR you meet all three Service Fee Buy-Downs.

    • You may also qualify for Service Fee Buy-Downs. Each buy-down is worth $2.00. Meeting all three qualifications will eliminate the monthly service charge: 1) Direct Deposit greater than or equal to $1,000 within statement cycle, 2) maintain $2,500 average collected account balance within statement cycle, 3) 15 or more CREDIT or signature-based, debit card transactions per statement cycle.

  • Mailed Paper Statement Fee: $5.00 charge assessed on all mailed paper statements per statement cycle. Waived if you accept electronic delivery (E-Statements) OR if you are up to age 18 or 65 years or older.