In law, a trust is a relationship where property is held by one party for the benefit of another party. A trust is created by the owner, also called a "settlor", "trustor" or "grantor" who transfers property to a trustee. The trustee holds that property for the trust's beneficiaries.

We provide a full range of services from individual IRAs to corporate 401(k)s. The first step is to have a conversation on what you are trying to accomplish.

One main difference between a will and a trust is that a will goes into effect only after you die, while a trust takes effect as soon as you create it. A will is a document that directs who will receive your property at your death and it appoints a legal representative to carry out your wishes.

EasyInvest builds diversified portfolios including stocks and bonds across multiple industries, automatically rebalances your portfolio, and uses tax-loss harvesting to manage risk and maximize tax benefits.

Since a lot of transactions do not require a Relationship Banker's assistance to complete, we ask for your full social to make sure it is truly you trying to complete a transaction.

Extraco offers Business Credit Cards through our provider, ELAN Card Member Services. You can apply with a Relationship Banker at your local branch today!

The merchant may be blocked due to its originating corporate office. This happens on most new/replacement debit cards and uncommon transactions. Contact a customer service Relationship Banker to assist you.

You can request a Phone 24 reset by calling a customer service Relationship Banker at 1.800.522.3972 and verifying additional security questions, or by making the request as you stop by a local branch.

You can have an insurance claim check endorsed in your branch's drive-thru or lobby! You will need the check and a current form of identification. The Relationship Banker will get the proper approvals for endorsement, depending on amount the check is for.

You can deposit up to $6,000 in cash at indoor machines and up to $9,999.99 at outdoor machines. Check deposits over $500 may require phone approval, and checks over $20,000 must be deposited with a Relationship Banker in-branch.

When you request help or have a transaction that requires approval, you'll be connected with one of our Relationship Bankers that is located at Extraco's call center!

Connecting live to a Customer Care representative is limited to business hours of:

• Monday-Thursday — 8:00 a.m. to 5:00 p.m.
• Friday — 8:00 a.m. to 6:00 p.m.

Yes! The Extraco Treasury Management Services team can set up online wire transfer services through your online banking. Contact a TMS Consultant today!

You can order a debit card by calling Customer Service or through the Extraco eBank app under Manage Cards > Reorder Card. Be sure your mailing address is up to date, and note that expedited delivery is available for a fee.

Yes, we do! Depending on your volume of debit or credit card payments, there are multiple options for you to consider. We suggest you speak with our Treasury Management Department to determine which product would fit your needs.

It is important to let us know when and where you are traveling. You can call Customer Care at 1.866.398.7226 to notify us of your travel dates. You can also set up. travel alerts through our online banking by selecting 'Card Management' on the left hand side and then select 'Travel Notifications.' While it is extremely important when traveling outside the country, we recommend you let us know anytime you are traveling, even if it seems a short distance. Anytime activity occurs outside your normal spending trends, it may trigger an alert from our Alert System. 

Click below to learn about safe banking with Extraco.

To learn more about our student loan options, click the button below.

Extraco Private Bank offers exclusive account options and personalized financial guidance for qualifying customers. Learn more about membership, benefits, and account offerings by clicking the button below.

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To apply, you must be a legal US resident, be a Texas resident (or be moving within the next 90 days), be at least 18 years old, have a Social Security number, and have your Government Issued ID available. If you do not meet this criteria, please visit an Extraco Banks branch to inquire about an account.

If your local Extraco branch is temporarily closed, please visit our branch locator for branch operating hours at select locations, as well as 24/7 access ATM locations. You can also call 1.866.EXTRACO to connect with a Customer Care Representative.

Don't forget about our mobile app that allows you to make mobile deposits and Phone24, our voice-activated system that lets you check balances, schedule loan payments, transfer funds and obtain financial center hours of operation and locations, as well as turning off your debit card. Available in both English and Spanish.