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Payroll Card

Extraco Banks and Netspend provide a turn key solution that allows companies to save money with a payroll card program. Businesses can achieve 100% direct deposit using this program.

Julie Aluiso

I'm Julie Aluiso. As a mortgage professional, I'm devoted to ensuring you have the best lending experience possible. I earned my Bachelor's in Human Development from The University of Alabama and went on to complete my Master's of Business Administration at the University of Mary-Hardin Baylor. Let's build some dreams together!

Merchant Services

Extraco Banks brings you card processing alternatives that are transparent, competitive and personal in delivering an exceptional buying experience through our Merchant Services products.

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.

Credit Cards

Our credit cards aren't one size fits all. Extraco Banks offers a variety of cashback, reward and bonus options. Find the one that’s right for you.

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

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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.

Brian Lilly

Howdy! After graduating from Texas A&M with an Economics degree in 1991, I joined the mortgage profession. Since then, I’ve helped thousands of clients, across the county, achieve the American dream of homeownership. Whether you are buying, building, or refinancing your primary, second/vacation, or investment property, please call on me for a complimentary consultation to discuss any of your residential mortgage needs.

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.

Hurdlr

Seamlessly tracks all of your business income, expenses, self-employed tax estimates, and deductions in real-time, saving you valuable time and maximizing your profit.

Traditional Mortgages

Discover the perfect mortgage for your unique needs. From conventional and VA loans to FHA and jumbo options, we offer a variety of terms and benefits to suit every home buyer. Whether you're planning for long-term residency, seeking low initial payments, or utilizing your home's equity, our flexible solutions ensure a seamless path to homeownership.

Bill Pay Assistance

Our Bill Pay feature allows you to make recurring and one-time payments to people or friends.

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.

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.

Search

Ask any question to find the answer you need from Extraco Banks today. Learn more about our locations, FAQs and products.

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.

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.

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!

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.

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.

Meet your Private Bankers

Our Private Bankers are here and ready to help you navigate your financial situation and reach your goals. Connect with a Private Banker today to get started.

BankOn Checking

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

Robert Jackson

Offering unique service and knowledge tailored to meet your financial needs is what we strive for. We at Extraco look forward to assisting you with all of your lending 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!

Life Insurance

At Extraco Insurance, our dedicated consultants specialize in securing vital life insurance policies tailored to your needs. With our expertise and personalized service, we ensure your peace of mind by safeguarding your family's future and financial security.

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!

Contact Us

Extraco Banks contact information, including business address and important phone numbers. Our local team is here and always happy to help you however we can.

Hudson Kennedy

I'm Hudson Kennedy, a seasoned commercial banker and CPA. My finance journey began at Belton High School in 2005, followed by earning my BBA in Accounting from Abilene Christian University. With a CPA license in hand, I specialize in guiding businesses to make informed financial decisions, fostering strong organizational foundations. Beyond work, I'm deeply involved in our community, serving on the boards of the Belton Christian Youth Center and the Salado Chamber of Commerce Economic Development Committee. I also volunteer at Grace Salado, alongside my wife and three children.

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.

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.

Joy King

I’m Joy King. Since graduating from Tarleton University, I’ve spent over a decade in the finance industry, gaining experience in retail and commercial banking. This background has given me a wealth of knowledge and a deep passion for helping clients achieve their homeownership dreams.

Matthew Bond

I'm Matthew Bond and I've been with Extraco since 2009, accumulating nearly two decades of experience in financial services. I earned my Bachelor of Business Administration from Sam Houston State University and completed the Leadership Waco program. Outside of my role at Extraco Banks, I actively serve on various local boards and committees. I cherish spending time outdoors, whether it's fishing, camping, or simply enjoying moments with my family.

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.

Jason Collier

I am Jason Collier, a native of Belton, Texas, currently residing in Troy with my wife and children on our family farm. My educational journey includes earning a Bachelor's in Business Administration from Howard Payne University, an MBA from Texas A&M Commerce, and completing the Southwestern Graduate School of Banking program. As a third-generation banker, I've been immersed in the industry since 2009, specializing in commercial and agricultural lending since 2011. Alongside my professional endeavors, I actively contribute to Trinity Church, the Temple Area Builders Association, and the Ralph Wilson Youth Club. In my leisure time, I indulge in hunting and enjoy coaching my children's baseball and football teams.

Ben Doskocil

I'm Ben Doskocil, bringing over a decade of banking experience to Extraco. I hold a Bachelor's in Business Administration from Baylor University and a Masters in Finance and Banking from Kingston University in London, England. Outside of my professional commitments, I am an active member of Harris Creek Baptist Church and currently participating in Leadership Waco.

Stephanie Angel

I'm Stephanie Angel, a native Wacoan and holding a BBA from Tarleton State University. With extensive experience in banking, I specialize in various loan types, including auto, personal, RV, motorcycle, and debt consolidation loans. My commitment lies in assisting customers in finding the optimal loan solution tailored to their needs and circumstances. When I am not working, I enjoy traveling, cooking, and cherishing moments with my loved ones.

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.

eConsent Disclosure

This Disclosure is in regards to conducting business electronically, receiving electronic notices and disclosures, and signing documents electronically.

Lisa Winkler

I'm Lisa Winkler, bringing over two decades of experience at Extraco Banks. My expertise spans all aspects of commercial and real estate lending, with a specialization in Commercial Real Estate Loans, Construction Loans, Equipment Loans, and more.

Staci Harrelson

I’m Staci Harrelson. I am a mortgage loan officer with over 20 years of experience in the industry. I’ve worked in several different areas of mortgage including origination, production and post-closing.

Samantha Jackson

Samantha Jackson is a seasoned mortgage loan officer with over 20 years of experience. Her journey in mortgage began shortly after obtaining her bachelor’s degree with a major in accounting from the University of Mary Hardin-Baylor. Throughout her career, Samantha has worked with various financial institutions, honing her skills in mortgage lending, underwriting and customer service. She’s known for her in-depth knowledge of mortgage products, regulations, and the ever-evolving market trends.

Chance Connell

I'm Chance Connell, a proud Waco native and Baylor University graduate with a BA in Communications. With over 15 years in banking, including the last 7 specializing in consumer lending, I'm dedicated to finding innovative solutions tailored to your financial needs and goals. Providing exceptional customer service is my priority. Beyond banking, I find joy in hunting, teaching youth Sunday School, and enthusiastically supporting Baylor sports events. Most importantly, I cherish spending quality time with my family—my wife, daughter, and our beloved dog.

Greg Goff

I'm Greg Goff, and I've been with Extraco since 2012, where I spearheaded the establishment of a loan production office in Austin, TX. My primary expertise lies in Commercial Real Estate lending across the major Texas metros. Holding a Finance degree from The University of Texas and boasting over two decades of experience in commercial banking, I am committed to delivering exceptional financial solutions to our clients.

Mattea Rodriguez

I'm Mattea Rodriguez, and facilitating the success of others has always been a profound passion of mine. As a Mortgage Consultant, I view my role as a conduit for this aspiration. My paramount objective is to furnish homebuyers and existing homeowners with the guidance they need to traverse the home loan process with assurance, transparent communication, and individualized care. Drawing from over seven years of real estate expertise, my unwavering dedication is to ensure that you make the optimal financial decision for yourself and your family. With Extraco Banks offering a diverse array of loan products, I stand ready to provide steadfast support at every juncture of your journey.