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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:

 

Your debit card benefits:

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


Learn More

Consumer Debit Card

 

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

Get the all New Extraco eBank App

Check your balance, pay bills, transfer funds, and deposit checks— anytime, anywhere.
Download the Extraco Banking app from Apple's App Store
Get the Extraco Banking app on Google Play
Extraco Bank Mobile App on an Android
Extraco Bank Mobile App on an Apple Device

 

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.