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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.

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 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 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.

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 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).

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!

Business Savings With Extraco

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

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.

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.

Extraco LINC

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

eBank Features

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!

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.

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.

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.

Business Succession Planning

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

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!

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.

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 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 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.

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.

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.

Online Banking

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

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.

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.

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.

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!

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.

Financial Literacy for Everyday Banking

Extraco has proudly served Central Texans for over 120 years, building trusted relationships through personal service and responsible banking. Today, we combine that local commitment with modern digital tools designed to help you bank confidently, securely and with ease.

Extraco Banks - Weather Updates

With the winter weather affecting Central Texas communities, we want to keep our customers up-to-date with important information related to insurance claims, branch closures and more.

Gail Bartay

I am Gail Bartay, proud graduate of Texas A & M University with a BBA in Finance. With over three decades of expertise in Commercial Lending, I've honed my skills in advocating for Treasury Management services to benefit my clients. My commitment to community service spans across various organizations, including the Rotary Club of Waco, Midway ISD Education Foundation, Caritas of Waco, and the St. Louis Catholic Church Finance Council, among others. I believe in fostering strong customer relationships grounded in a thorough understanding of their business, financial needs, and priorities.

Glynn Castro

I'm Glynn Castro, a seasoned professional with nearly two decades of experience in commercial lending. Throughout my career, I've established a proven track record of nurturing robust customer relationships to assist businesses and their owners in achieving their financial objectives. My educational background includes a BA in Finance and Management Information Systems from St. Mary's University in San Antonio, Texas, and an MBA in Global Banking and Finance from the Birmingham Business School in England.

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.