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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 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).

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 Savings With Extraco

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

Extraco LINC

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

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 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.

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.

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.

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.

Auto Loans

Extraco Banks makes auto loans easy by offering support for refinancing, buying a used car from an individual, purchasing from a dealership, or getting pre-approval.

Loan Payment Options

Thank you for working with Extraco Banks for your loan! Below are a list of convenient ways to make your loan payments each month to Extraco.

Personal Loans

Traditional loans can be unsecured or secured by an Extraco CD or Whole Life account, or a title instrument such as a car, boat, or motorcycle. An Extraco Consumer Credit Lender is happy to advise you about which type of loan might best meet your needs.

Loans

Explore our comprehensive loan solutions, from home and auto loans to personal and student loans. Whether you're buying a new home, refinancing, purchasing a car, consolidating debt, or seeking student loan options, we provide tailored assistance and competitive rates to meet your needs. Let us help you achieve your financial goals with ease and confidence.

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 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.

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 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.

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 Insurance

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

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

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!

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.

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.

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.

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 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.

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.

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.

Solution Home Loan Program

This innovative program offers alternative credit solutions and is open to eligible applicants seeking to purchase a primary residence in select Bell and McLennan County areas.

Loan Inquiry

Have questions about applying for a loan or credit card? Fill in your information and a loan specialist will contact you!

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.

Student Loan Options

Extraco has partnered with Brazos Higher Education to offer Texas residents student loans with low rates, transparent pricing, and no fees, ensuring affordability and clarity for your education.

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!

Veteran Home Loans

At Extraco Mortgage, we believe our Veterans and active-duty military members deserve a place to call home—and a lending partner who understands their journey. Our VA Home Loans are designed to honor your service with benefits that make homeownership more affordable and accessible.