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Digital Banking At Extraco

Check account balances. Make mobile deposits. Automate bill pay. There are a variety of ways to bank without ever having to visit a branch!

Savvy Savings

Round up savings from debit card purchases to be automatically moved to your savings account.

Smart Savings

This savings account offers flexible access to your funds with tiered interest rates that provide higher returns the more you save. It also offers free online/mobile banking, and sweep options.

Business Savings With Extraco

We offer a range of business savings options tailored to the specific needs of both businesses and nonprofit organizations.

Mobile Deposit

Deposit a check, anytime, anywhere! Simply open your Extraco eBank app, select the mobile deposit feature, enter the check amount, take a photo of the front and back of the check, and submit.

Cashback+

Every day you make purchases, from groceries to gas. With CashBack+ from Extraco Banks, get instant cash back, up to 20%, just for buying what you already do. Browse personalized offers, purchase gift cards, and enjoy savings.

eBank - My Toolkit

As an Extraco customer, you have access to solutions integrated into your eBank that can help you reach your financial goals. Learn more about the resources available to you!

EasyInvest With Extraco

We are excited to launch our new digital investment platform within the Extraco eBank app and online banking! Investing is a key way to grow wealth and reach future financial goals. With this new offering to Extraco customers, you can get started investing in stocks, bonds, cryptocurrency, and ETFs free of charge with as little as $10!

Mobile Wallet Payments

There are so many ways to pay, send and receive money with your Extraco Banks account. Connect your Extraco debit card to Apple Pay®, Google Pay®, or Samsung Pay® or use popular money transfer apps like Venmo, PayPal and Cash App.

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!

Smart Rate Money Market

This account offers a smart and secure way to grow your savings with competitive, tiered interest rates that provide higher returns as you save more. Enjoy easy access to your funds with free online/mobile banking and sweep options.

Certificate of Deposit

Help your money grow by setting a fixed amount aside to draw a fixed amount of interest for a period of time.

Open a Business Account

Get Started Today! Interested in learning more about our business solutions? Fill out the form below and an Extraco Business Advisor will be in touch with you shortly. If you are a current customer

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. Check out our Bonus Banking, Basic Checking & Interest Checking accounts to find your fit today!

Refinance Your Mortgage and Save

Extraco Mortgage offers refinancing options to help borrowers access home equity, shorten loan terms or lower monthly payments. Our team provides guidance to make refinancing simple and personalized.

Zero Balance Accounts

A Zero Balance Account (ZBA) will bring your organization's funds into one operating account. Disbursements are made from subsidiary account which always maintain a zero balance.

Banking at Extraco

With Extraco, you don’t have to choose between a personalized banking experience and a high-tech one. We’re located exclusively in Central Texas and use the same financial security standards and seamless tech you expect from the big national firms.

Business Banking at Extraco

At Extraco Banks, we’ve served Central Texas entrepreneurs and small businesses for over a century. We’ve seen every business type, from industrial manufacturers to modern software companies, and everything in between.

Extraco Banks Heritage

Extaco Banks began its cotton compress and warehousing business in Waco on July 12, 1902. Today, the company has evolved into the largest and most comprehensive independent financial institutions headquartered in Central Texas.

New branch site for Extraco Banks

Extraco Banks closed on land located at 3414 E. Main Street with the intention of building a new Gatesville branch, slated to open in 2023.

Extraco Banks website honored in Davey Awards

With the help of Unleashed Technologies, Extraco Banks built a brand new website that launched in early 2020. With customer experience top of mind, we worked with the awesome team at Unleashed to create a digital environment that we knew our customers would appreciate.

Easier, faster, flexible banking that puts you in charge.

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Extraco Banks Selects Empower, Black Knight's High-Performance LOS, to Drive Growth in Digital Mortgage Operations

Black Knight, Inc. (NYSE:BKI) announced today that Extraco Banks, the largest and most comprehensive locally owned bank between Dallas and Austin, Texas, has signed a contract to implement the Empower loan origination system (LOS). The company selected Empower for its exceptional digital mortgage capabilities, and will also use Black Knight’s Surefire CRM and mortgage marketing engine to elevate the customer experience and to help create customers for life.

Extraco Banks Selects Empower, Black Knight's High-Performance LOS, to Drive Growth in Digital Mortgage Operations

Extraco Banks, the largest and most comprehensive locally owned bank between Dallas and Austin, Texas, has signed a contract to implement the Empower loan origination system (LOS). The company selected Empower for its exceptional digital mortgage capabilities, and will also use Black Knight's Surefire CRM and mortgage marketing engine to elevate the customer experience and to help create customers for life.

Business Ways To Bank

Accessing your business accounts shouldn't be limited based on the time or day. With an Extraco business account, you have banking with the convenience to fit your needs.

Online Banking

Enjoy the convenience of 24/7 account management with Extraco's online banking services, accessible from anywhere.

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.

Safe Banking

Extraco Banks is committed to helping you keep your financial information safe. Bookmark this page to learn about the latest scams in the marketplace.

Extraco LINC

Powered by Extraco Banks, LINC brings together resources to help entrepreneurs and small businesses flourish throughout Central Texas.

Extraco Banks® Begins Construction on New Downtown Temple Branch

Extraco Banks® announced on June 23, 2023, it will begin construction on its new Downtown Temple branch on July 10, 2023. The 2,400 square foot branch will have video teller technology, four drive through lanes and an outdoor seating area between the new bank building and Treno Pizzeria.

Solution Banking

Solution Banking is ideal for those who have had trouble overdrawing checking accounts in the past. There is a $5.00 monthly service charge that can be waived with a combined deposit of $1,000 or more per statement cycle or if you are 23 or younger, or 65 or older. This account offers no paper checks and no overdraft privilege.

Life Disasters

Extraco Banks understands the unique needs of Central Texans during times of disasters. When you're an Extraco customer, you're part of the Extraco Family. Let us help you and your family through any of your needs.

Terms and Conditions

Extraco Banks is committed to providing customers with an exceptional customer experience, which includes providing various ways to access information.

Extraco Insurance

Extraco is a one-stop shop for all of your insurance needs. We offer tailored insurance to top-insurance companies to find a policy that fits you. We offer a variety of home insurance, auto & specialty vehicle insurance, life insurance, health insurance, and employee benefit options. Get a quote today!

Privacy Policy

Extraco Banks is committed to protecting the privacy & security of its customers.

Extraco Banks® to Sell Downtown Temple Financial Center and Build New Branch

On June 30, 2022, Extraco Banks® closed on the sale of its downtown Temple financial center to Austin investors, Redeem Investments, who plans to renovate the 10-story building that makes up part of the iconic Temple skyline. Extraco will build a new financial center across the street where its current motor bank is located today.

Premier Plus Banking

As a Premier Plus customer, you'll receive the highest level of customer service, rewards, and benefits a bank can offer with an exclusive suite of financial solutions designed to meet your needs.