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Curbside Delivery Request

Curbside Delivery is now available at our Waco: Bosque, Waco: Downtown, Waco: Midway, Killeen, Temple S. 31st Street, and Belton locations. Get printed statements, new/replacement debit cards, cashier's checks and notaries delivered to your car with the click of a button!

Susie Stanley-Jones

Extraco Wealth & Trust delivers personalized wealth management, trust, and estate planning solutions designed to help you grow, protect, and transfer your assets with confidence. Led by industry experts who pair strategic insight with genuine client care, our team is committed to building long-term relationships and guiding you through every stage of your financial journey.

Treasury Management

With our robust range of Treasury Management services, which include Cash Management and Merchant Services, your business is in the right hands with our Treasury Management Consultants.

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

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.

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.

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 Savings With Extraco

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

Retirement

Explore your retirement planning options with us, from 401(k)s to IRAs, tailored to meet your unique needs and goals. Our comprehensive approach ensures your long-term security by understanding your risk comfort, focusing on your goals, and helping you plan and protect your retirement.

Bill Pay Assistance

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

Search

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

Find a Business Banker

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

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.

Lisa Shaffer

Lisa is the Quality Control Manager and Trust Officer in the Extraco Banks Wealth & Trust practice. She works with a range of clients, ERISA-qualified and non-qualified, while maintaining processes and procedures within the department.

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!

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.

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.

Homebase

Homebase helps small businesses manage employee scheduling, time clocks, payroll, communication, and more in one place.

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.

Extraco LINC

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

Investments

Extraco Wealth & Trust knows that choosing a solution that matches your needs is essential to achieving investment success. Our product options include stocks/bonds, mutual funds, exchange-traded funds, annuities, IRA plans, and 401k plans.

Discover® Debit Card

Extraco Banks is committed to helping you protect, understand, and manage your personal information and credit score all in one place. The Discover® Debit Card offers dark web and FICO® credit score monitoring. These features have no impact on your credit score and come at no additional cost. It is that easy!

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.

Financial Planning

We provide top-tier financial solutions to address the growing complexities of professional fiduciary services and effective portfolio management, all tailored to your personal, family, and business goals. Your team at Extraco Wealth & Trust is dedicated to helping you discover the perfect combination of services and solutions.

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.

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.

Clover Point of Sales Systems

Clover® is a state-of-the-art business management solution that helps a merchant streamline their business. Extraco Banks provides a variety of Clover® products: Go, Flex, Mini, and Station Duo.

Treasury Management Services

Extraco is proud to offer expert treasury management services to our Business customers throughout central Texas. Our team is dedicated to understanding your business and helping you operate effectively and efficiently.

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.

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.