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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
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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
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Open an Account
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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
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Open An Account
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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
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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
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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
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Resources

The Extraco Banks Blog | Financial Literacy

  • Banking
  • Insurance
  • Financial Literacy
  • In Case You Missed It
  • Mortgage
  • About Extraco
  • Wealth & Trust
  • The LINC Up
How to Use Student Checking Accounts to Teach Financial Literacy
April 1, 2025
Need a practical way to teach financial literacy? Read our blog and learn the benefits of student checking accounts, and how they help educate children about managing money.
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College students looking at phone - Extraco Banks
Financial Literacy Month: A Beginner's Guide to Investing
March 26, 2025
At Extraco, we believe knowledge is power, especially when it comes to your money. This month, we're highlighting the importance of investing and how EasyInvest can help you achieve your financial goals
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EasyInvest with Extraco
The Importance Of Financial Literacy: How To Grow Your Knowledge And Why You Can Trust Extraco Banks As Your Partner
March 26, 2025
Unlocking the power of financial literacy can transform your financial future, and Extraco Banks is here to guide you every step of the way.
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Financial Literacy With Extraco Banks
Why Investing in the Stock Market Should Be Your Next Money Move
February 15, 2025
It's the perfect time to reflect on our financial goals and set ourselves up for success. This year, why not make investing in the stock market your top resolution? Extraco gives you access to a digital investment solution, EasyInvest, directly via our digital banking platform. This way, you can invest like the top 1%, starting from as little as $10.
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EasyInvest at Extraco
Is It Time to Refinance Your Auto Loan? Key Factors to Consider
February 13, 2025
Refinancing your auto loan can help you save money, lower your monthly payments, or pay off your car faster—but timing is everything. This blog breaks down the key factors to consider, including interest rates, credit score improvements and loan balance. Learn when refinancing makes sense, when it doesn’t, and how to determine if it’s the right move for you.
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Auto Loans
Financial Tips for Recent Graduates
May 20, 2024
Congratulations, graduates! As you transition into this new phase of life, managing your finances effectively is key to achieving your goals. Whether you're preparing to enter the workforce, further your education, or pursue other endeavors, now is the perfect time to focus on your financial well-being. Let's explore some essential tips for navigating financial success after graduation.
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2024 Graduates
Affordable Ways to Create a Memorable Thanksgiving Celebration
November 3, 2023
Sometimes, the joy of Thanksgiving comes hand in hand with the stress of expense, but here at Extraco Banks, we understand the importance of financial literacy and are here to help you avoid that this holiday season.
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thanksgiving budget
Holiday Travel on a Budget
November 3, 2023
For many, the holiday time often involves travel, whether it's a short trip to visit relatives or a more extended vacation to explore new destinations. However, with travel comes expenses, and managing these costs can be a daunting task.
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holiday travel
Ten Steps to Financial Wellness for Women
November 1, 2023
This comprehensive checklist covers key areas and provides a roadmap for women to manage finances effectively. Each step contributes to building a strong financial foundation, fostering empowerment, and securing a stable future.
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young women
Five Ways to Ring in National Financial Planning Month
October 4, 2023
October marks the beginning of a financial journey towards the holiday season. As we celebrate National Financial Planning Month, it's the perfect time to embrace the spirit of saving and planning for the festive months ahead.
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money saving
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* 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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  • 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
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      • Extraco@Work
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