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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
  • Banking For Kids
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
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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
    Enjoy the convenience of 24/7 account management with Extraco's online banking services, accessible from anywhere.
  • Mobile Banking
    Easily manage finances from your phone. The Extraco eBank app lets you check your balance, make deposits, pay bills or individuals, and set up alerts – all in a secure and easy-to-use platform.
Banking For Kids
Our First Checking and First Savings accounts, available for kids ages 0-18, are designed to grow with your child -- the perfect way to start your kids off on their financial journey!
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
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Wealth & Trust Inquiry
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Resources

The Extraco Banks Blog

  • Banking
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  • Financial Literacy
  • In Case You Missed It
  • Mortgage
  • About Extraco
  • Wealth & Trust
  • The LINC Up
How to Find the Right Mentor to Help You Grow
January 17, 2023
A mentor can be an indispensable resource when you begin a new career or are looking to level up your skills. Mentorship can help you gain guidance to reach personal and career goals. First, you should know a few things about mentors and mentorships before beginning.
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mentor
Money Mentor vs. Financial Planner vs. Financial Advisor: Which is Best?
January 17, 2023
The new year brings a unique chance to change your future and financial situation. According to a recent survey by intelliflo, a cloud-based technology platform for financial advisors, 71% of Gen Z (ages 18-25) and 72% of Millennials (ages 26-41) say they want financial advice but don't know how to get it.
3 Tips to Get the Most from Your Financial Advisor
January 17, 2023
Make 2023 your best year yet with a financial advisor’s help. But how do you ensure you get the most from their services? After all, hiring an advisor isn’t cheap and can set you back between $2,000 and $7,000 per year for those who charge a flat rate. Others, however, charge a percentage of your account.
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financial advisor
5 Tips for Maximizing Your New Year’s Resolutions
January 17, 2023
With inflation beginning to cool, this year might be an excellent time to set your resolutions for meeting your financial goals. After all, we could all use more money in our pockets and bank accounts. To maximize your chances for success, we have some tips to get you started, and you can begin by creating smart goals.
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financial goals
How Can You Save Money With Home Insurance?
December 19, 2022
Need home insurance but could use some help figuring out where to start? We can help! Homeowner's insurance is essential to protecting your home and property. Your home is your biggest investment. So, you'll want to ensure it is well-protected should something happen that causes damage or liability concerns. And homeowner's insurance protects your home against loss or damage.
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Insurance
Should You Use Home Equity to Pay Off Debt?
December 19, 2022
You’re staring at a mountain of debt and wondering how to pay it all. Bills keep piling on, but your payments, especially today, barely make a dent in your situation. Sure! You’ve heard of refinancing your home; some use home equity to tackle their mounting debt. But is it a good idea? And, if so, what must you know before diving in?
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debt
What to Know Before Launching a New Business in 2023
December 14, 2022
Are you thinking about launching a new business in 2023? We like to think of starting a new business as a journey. Launching a business is a big step and one with the potential to help you realize your dreams. Taking your time and launching your business the right way is wise. So, having patience and discernment will prime your business for growth and success.
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New business
7 Festive Ways to Save Money Christmas Shopping
December 14, 2022
It’s that time of year again, and if you haven’t started your Christmas shopping yet, now is the time to do it. However, shopping for gifts can be challenging during economic uncertainty, especially when you’re looking to save money. Budgets are tighter, and the things you want and need cost more. Yet, this doesn’t mean you can’t have a great holiday. We devised a plan to make your holiday shopping and gift-giving easier. Here are 7 festive ways to save money while Christmas shopping.
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Christmas Shopping
Extraco Banks Purchases Building for New Gatesville Location
December 1, 2022
Extraco Banks purchased the former Texas First State Bank location in Gatesville at 2501 Texas 36 with the intention of moving its Gatesville banking operation to this site in late fall 2023. Previously, Extraco had purchased land located along US Hwy 84 with the intention of building a new branch.
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Extraco Banks header
How Entrepreneurs Can Get a Business Scholarship Award
November 21, 2022
Are you an entrepreneur looking to further your education? If so, you might be eligible for a business scholarship award! These awards help business owners finance their education and continue their business ventures. We'll go over how to start your search, standard eligibility requirements, and the types of scholarships available. We'll also provide you with some success tips for completing your applications. So, if you are ready to level up your business skills, read on.
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small biz
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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
    • Banking For Kids
  • 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
        • Investment Sweep
        • Wire Transfers
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      • Find a Treasury Management Consultant
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