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Extraco Banks
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We're here to help

Take a look around. If you can’t find what you’re looking for, Contact Us.

Ways to Bank

It’s your money. Manage it any way you like.


Online Banking

Online banking services let you manage your money anytime from anywhere you have internet access. Set up alerts, pay bills, send cash electronically, view your statements, and transfer funds between accounts securely and quickly. 

1 Browser and computer requirements do apply.

Mobile Banking
Mobile banking is the only way to go when you’re on the go. Check your balance, make a deposit, pay a person, pay your bills and set up alerts securely and easily through our mobile banking app.

1 Functionality by phone may vary.
2 Mobile and ATM deposit service subject to approval and must be requested.


Our automated touch-tone or voice activated system in English and Spanish lets you check balances, schedule loan payments, transfer funds, obtain financial center hours of operation and locations, and turn off your debit card 24-hours a day in English and Spanish. 

  • Toll Free: 1.800.522.3972
  • Waco: 254.761.2002
  • Temple: 254.774.5501
  • Killeen: 254.200.3601
1 An access code selected by you safeguards your personal account information. You may get a Personal Access Code by calling Customer Care at 1.866.EXTRACO (398.7226).

Financial Center Banking
With 16 Financial Centers in central Texas, you’ll always find a friendly welcome and world class experience.  Other specialized services we offer are:

  • Mortgage
  • Insurance
  • Financial Services
  • Business Banking
  • Retirement Planning

Discover® Debit Card
We have your all-access pass to self-serve transactions including online and in-store purchases, ATM cash withdrawals and more. Plus you get: 


Debit Card Fraud Alerts
Staying ahead of debit card theft requires constant monitoring and management of your account. We make it easier with Extraco Fraud Alerts. 

1 Data and mobile rates may apply.


Later will be here before you know it. 

It's never too early or too late to start saving for retirement. However, the earlier you start, the better off you'll be. We can help get you going. 

An older couple relaxing and looking at a tablet.

Paying Bills

Paying bills on time is important for maintaining good credit and avoiding late-payment penalties. At Extraco, we make paying your bills easy, with options to fit your busy schedule. 

  • Extraco eBank (mobile app)
  • Online Banking
  • Phone Banking
1 Your payment will take 2 to 10 business days if the payment must be mailed instead of handled electronically.

Depositing Checks
Save a trip to the bank by enrolling in mobile deposit, or if you need a bank after hours, enroll to make a deposit at any of our iTMs. 

  • User friendly, secure service that simplifies financial management

1 Mobile and iTM deposit service subject to approval and must be requested.

Online/Mobile Alerts
Stay in control of your money through account alerts. 

  • Easy to set up
  • Notify yourself when you’ve reached a certain account balance
  • Set up Bill Pay reminders

1 Text and data rates may apply. Must have eBank to set up alerts.

Ordering Checks
Our check partnering service makes it easy for you to order checks for speedy delivery. 

1 Extraco Banks Routing Number: 111900581

Overdraft Privilege
Overdraft coverage means your debits and payments may be covered even if there isn’t enough money in your account. At Extraco we do not encourage overdrafts, because we want you to responsibly manage your finances. However, we want to save you the additional merchant fees and possible damage to your credit history that might result if a check is returned.
Access to Overdraft Privilege is granted in the following ways:
  • Writing a check
  • Debit Card use as recurring payment
  • ACH or Auto Debit
  • Online Banking
  • Bill Pay
You may also Enroll in Overdraft Privilege for:

  • Debit Card use at everyday point of sale
  • ATM withdrawal


1 To Opt In for everyday debit card and ATM withdrawal use, call 1.866.398.7226 or visit one of our financial centers.

Custom Photo Debit Card

Personalize your debit card through our simple design studio. Just pick your favorite photo and uploaded it to our site.

Apple Pay®

It’s easy to pay when you point and pay.

1 Apple and Apple Pay, are trademarks of Apple Inc., registered in the U.S. and other countries.