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BankOn Checking

BankOn is a national project that supports 85 coalitions across the country connecting consumers to safe & affordable bank accounts.

Commercial Checking

Our Commercial Checking account is created for businesses with 200 or more transactions a month that need a more sophisticated service to manage their cash flow. Pay only for the services you use and offset fees with earnings credits or reduce fees by maintaining a higher balance.

Easy Checking

Easy checking is perfect for those looking for a checking account without the bells and whistles. Best of all, there is no monthly fee for students up to age 23 and those 65 and older.

Business Elite Checking

Our Business Elite Checking account is the perfect solution for businesses handling large amounts of cash. It's tailored to meet the needs of your company and you handle high cash deposits and withdrawals.

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!

Charitable Checking

Our Charitable Checking account has no monthly fee for non-profits, and is best for organizations that process 200 transactions or less per month.

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.

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.

Business Savings With Extraco

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

Business Elite Money Market

Extraco Banks' Money Market account is the perfect account for larger balances with the ability to earn tiered interest as your savings grow.

Business Bonus Banking

Our Business Bonus Banking product is designed for businesses with less than 200 transactions each month and want the benefit of earning Cash Back on all credit or signature-based debit card purchases.

Business Customer Change Order

Simply fill out this quick form and your change order will be ready in two hours for pick-up in the lobby or drive-thru at the branch you selected. Any change order request received after 4pm will be prepared the next business day. If you have any questions about your change order, please call us at 1-866-EXTRACO (398-7226).

Extraco LINC

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

Business Certificate of Deposit

Watch your business funds and savings grow as you earn with fixed interest for the term of your choice. With a CD (Certificate of Deposit) you'll maximize your earnings & grow your money faster.

Extraco@Work

Eligible Extraco business customers may enroll in Extraco@Work to take advantage of the following benefits for their employees: Reward Checking with No Monthly Fees, Financial Education, Consulting From an Extraco Expert, InfoArmor Benefits, and more.

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 Wealth & Trust Services

Our Wealth & Trust experts are ready to help with your business needs, such as transfer of ownership, estate planning, asset protection and more.

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

Business Loans

Whether your business is in need of real estate loans, municipal financing or business loans, we've got the right solution and experts waiting to help you.

Business Insurance

Extraco variety of business insurance offerings will keep your company protected, so you can focus on building your business.

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.

Business Credit Cards

Explore our selection of business credit cards, including options for low rates, cash back, or flexible rewards, ensuring you find the ideal fit for your business needs.

Find a Business Banker

Meet with our Commercial Bankers, who are located across Central Texas, today to achieve your business goals.

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.

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!

Terms and Conditions

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

Alerts & Information

Check here for the most up-to-date information on Extraco Banks branches and operations.

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.

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!

About Extraco

At Extraco, corporate social responsibility is part of our culture. We understand that to sustain a healthy business, you must sustain a healthy community. It’s imperative to what we do daily for future economic growth and stability. Our success as a company results from the care and compassion of our 300+ team members who bring our culture to life each day. They care for our customers. They develop relationships. They run our operations. They unselfishly donate their time, talent , and personal financial resources to causes important to them.

Mary Owen

I'm Mary Owen, a lifelong resident of Hamilton, dedicated to serving the community through my role at Extraco Banks for over 20 years. Alongside my husband, Scottie, we cherish our family of three daughters and five wonderful grandchildren. In my leisure time, I prioritize quality moments with my loved ones. My commitment extends beyond professional duties; I am passionate about fulfilling my customers' needs and fostering positive relationships with each individual. Actively engaging in community functions, I am driven by a deep-seated passion for contributing to the growth and prosperity of our community.

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.

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!

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.

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.

Jarrett Warren

I'm Jarrett Warren and I've been with Extraco Banks for over 12 years, accumulating over 20 years of experience in the banking industry. I find fulfillment in assisting entrepreneurs and small businesses in achieving their dreams. Apart from my role at Extraco, I've dedicated over 12 years to volunteering with the Extraco Event Center at the Heart of Texas Fair and Rodeo, where I serve as the Chairman for the Public Relations Committee. In my downtime, I relish outdoor activities like fishing, strumming my guitar, and cherishing moments with my family.