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Banking
Extraco Banks makes managing personal finances easier and faster than ever with flexible products and services that support your goals
  • Checking Accounts
  • Savings Accounts
  • Digital Banking
Checking Accounts
A checking account shouldn't be one size fits all. At Extraco, we know the importance of meeting the unique needs of our customers.
  • Easy Checking
    Experience ultimate simplicity with our Easy Checking account.
  • Premier Plus Client Banking
    Premier Plus Customers 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
Quick Actions
Open an Account
Make A Loan Payment
Download Mobile App
Find An Extraco Branch
Dispute A Transaction
Savings Accounts
Extraco offers smart and secure ways to grow your savings with tiered interest rates.
  • 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.
Digital Banking
There are a variety of ways to bank without ever having to visit a branch.
  • eBank My Toolkit
    App-based solutions available through Extraco's online banking.
  • Online Banking
  • Mobile Banking
Business
  • Business Checking
  • Business Savings
  • Treasury Management
  • Small Business
Business Checking
Our experts make managing your business finances easier with products and services that further your goals.
  • 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.
Quick Actions
Open An Account
Request A Change Order
Apply For A Loan
Dispute A Transaction
Find A Business Banker
Business Savings
We offer a range of business savings options tailored to the specific needs of both businesses and nonprofit organizations.
  • 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
You wear a lot of hats as a business owner– let us handle your assets and retirement planning.
  • 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.
  • Extraco@Work
    Providing your employees with exclusive benefits to make their lives easier.
  • Find a Treasury Management Consultant
Small Business
Our award-winning bankers are ready to partner with you to ensure you have the financial advice, resources and products to make managing your business finances as simple as possible.
  • Meet a Small Business Banker
  • Extraco LINC
    Resources and tools to help you grow your business.
Small Business Resources
Extraco is proud to provide resources to help you grow your business.
Learn More
Quick Actions
Open An Account
Request A Change Order
Apply For A Loan
Dispute A Transaction
Find A Business Banker
Loans
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.
Quick Actions
Make a Personal Loan Payment
Begin a Mortgage Application
Upload Secure Documents
Business Credit Cards
Insurance
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.
Quick Actions
Get a Quote
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.
Extraco Private Bank
Experience first-class service with Private Bank at Extraco. Our dedicated team offers personalized guidance and innovative solutions tailored to your evolving needs and goals.
Learn More
Quick Actions
Find A Private Banker
Find an Advisor
Wealth & Trust Inquiry
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6 Steps to Creating a Great Financial Plan
The biggest mistake in financial planning is not having one. Creating a financial plan is not difficult, but it is daunting! We've broken down the six key steps to the financial planning process.
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Alternative Ways to Pay with Your Extraco Bank Account
Making payments from your Extraco checking account is now easier than ever!
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Woman looking at mobile phone
Benefits of a Living Trust
There are many benefits to creating a living trust. Here are the top three: 1. Avoid probate at death. Including multiple probates, if you own other property in another state. 2. It provides maximum privacy. 3. It can reduce or completely eliminate estate taxes.
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Mother and daughter smiling while embracing
Bill Pay And Voice Pay
Bill Pay is an online service which allows you to pay a person and/or a company through your online bank account. You determine who you want to pay, when you want to make the payment, how often you want to send the payment, and which account you want the payment to come from. It's safe, secure and easy to use.
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Woman Mobile Banking - Extraco Banks
Borrower Responsibilities
When you take out a loan, you enter into a legal contract with the lender. This contract makes you liable to repay the obligation as set forth in your loan agreement.
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Close up of someone signing a contract
Business Insurance You’ll Need
If you’ve been procrastinating on business insurance, consider this: small businesses are much more likely than larger companies to be devastated in the event of an unforeseen loss, and business insurance needn’t be costly. Read more to learn about the business insurance you need.
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small business owner at computer
Calculating Your Debt-to-Income Ratios
Learn how to calculate your debt-to-income ratio (DTI) to estimate how much you can afford on your next mortgage. In addition to your credit score, your debt-to-income (DTI) ratios are looked at by closely by mortgage lenders when you apply for a loan. This ratio is extremely important in determining the risk associated with approval.
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Woman using calculator
Creating a Budget
A budget will help you understand your spending patterns and gain better control over your money. Creating one helps you understand where you spend your money and discover areas where you can save.
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Woman with baby in carrier, using mobile phone and working
Find Funding For Your Business Through Extraco LINC x Fundica
Through its search tool and AI-generated abilities, Extraco LINC x Fundica helps entrepreneurs find grants, tax credits, and loan guarantees while increasing visibility for funders.
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Finding new business verticals
Extraco Banks is committed to building businesses throughout Central Texas. Whether you're a startup or looking to create a succession plan for your business, we have the resources to help you achieve your business goals.
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It's your money, your wealth, your business. Manage it the way you want.

* We are thrilled to announce our brand-new loan payment platform, designed based on feedback received from customers like you is here! This new platform enhances your experience, streamlines the process of managing your loans with us, and offers improved functionality and convenience for you. Click here to learn more about the new platform and the transition process. The old loan payment platform will no longer be available after May 15, 2025.

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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
  • Banking
    • Checking Accounts
      • Easy Checking
      • Premier Plus Client Banking
      • Solution Banking
      • Discover® Debit Card
      • BankOn Checking
    • Savings Accounts
      • Smart Savings
      • Smart Rate Money Market
      • Certificate of Deposit
      • Savvy Savings
    • Digital Banking
      • eBank My Toolkit
      • Online Banking
        • Cashback+
        • EasyInvest With Extraco
      • Mobile Banking
        • Mobile Deposit
  • Business
    • Business Checking
      • Commercial Checking
        • eBank Video Guides
        • Reference Guides
        • Sample Documents
      • Business Elite Checking
      • Basic Business Banking
      • Business Bonus Banking
      • Charitable Checking
    • Business Savings
      • Business Elite Money Market
      • Jumbo Indexed Money Market
      • Certificate of Deposit
    • Treasury Management
      • Treasury Management Services
      • Merchant Services
      • CDARS/ICS Services
      • Extraco@Work
      • Find a Treasury Management Consultant
    • Small Business
      • Meet a Small Business Banker
      • Extraco LINC
  • Loans
    • Home Loans
    • Auto Loans
    • Personal Loans
      • Loan Payment Options
    • Business Loans
    • Credit Cards
    • Student Loans
  • Insurance
    • Home & Auto Insurance
    • Life Insurance
    • Business Insurance
  • Wealth Management
    • Retirement
    • Trust Services
    • Financial Planning
    • Private Bank
      • Meet with a Private Banker
    • Investments
    • Business Wealth & Trust
  • Digital Banking
    • Online Banking
    • Mobile Banking
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