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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.

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.

BankOn Checking

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

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.

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.

Find an Advisor

Meet with a Wealth & Trust Advisor and get your financial goal planning questions answered.

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.

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.

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!

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.

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.

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!

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.

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.

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!

Find a Treasury Management Consultant

Extraco Banks' Treasury Management Consultants are ready to help your business with any Treasury Management needs, such as Cash Management and Merchant Services.

Alerts & Information

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

Treasury Management Inquiry

Extraco Banks provides a robust range of treasury management services, such as cash management and merchant services, that help you maximize earnings as you manage your cash flow.

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.

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.

Positive Pay Fraud Protection

By comparing incoming checks against your authorized list, Positive Pay prevents financial losses, avoids disruptions, and safeguards your reputation. If discrepancies are detected in the check details, we provide an electronic image for your review, ensuring you maintain control over payments and security.

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.

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.

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.

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 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.

Discover Card Acceptance Form

If you have been told by a store or merchant that they do not accept Discover cards, we'd love to hear about it. We hope to use the merchant information you provide to ensure a better experience for you moving forward!

Terms and Conditions

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

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.

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.

Privacy Policy

Extraco Banks is committed to protecting the privacy & security of its customers.

eBank Reference Guides

Our eBusiness resource center is equipped with FAQs and video/resource guides to ensure help is always at hand.

CardSwap

Take the hassle out of new card updates. Update your card information across over 55 popular online services at the same time.

Stan Giles, CTP

I'm Stan Giles, the Treasury Management Consultant for McLennan, Brazos, and Coryell counties. With a BBA in Finance, I hold key certifications including Certified Treasury Professional, Six Sigma Green Belt, and Level 1 certification in the Texas Public Funds Investment Act. I'm also a graduate of Leadership Waco and Temple. My active involvement in the Greater Waco Chamber of Commerce includes being named the 2021 Ambassador of the Year, highlighting my dedication to local engagement. Outside of work, I enjoy camping with my family, attending First Baptist Woodway, and playing the piano.

Jackie Basile

I'm Jackie Basile, a graduate of Chaminade University in Honolulu, HI, and I joined Extraco Banks in October 2023, bringing twenty-four years of banking experience. With a decade of specialization in Treasury Management, I oversee services in Central Texas-South, focusing on portfolio management and driving growth through effective sales strategies. I excel in crafting customer-centric solutions and providing guidance on liquidity management, while also offering industry training to internal and external stakeholders. Outside of banking, I've served in the United States Navy and remain active in community organizations, including roles with The Rotary Club of Temple, St. Mary Catholic School Trust Fund Board, and Wildflower Guild.

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.

Overdraft Protection

Extraco's Overdraft Protection service covers crucial transactions like checks, debit card payments, and online banking, with the flexibility to extend to everyday debit card usage and ATM withdrawals upon approval.

Resource Center

Explore our resource center! The tools and information you need to succeed, right at your fingertips. Read articles about recents events on our blog, take advantage of our financial calculators, read how-tos and tips in our resource articles, explore our video library and keep up-to-date on events!

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.

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.

Jessica Mitchell

I'm Jessica Mitchell, serving as the Funding & Retention Manager at Extraco. With a focus on Auto Loans, Camper Loans, Credit Life & Disability, and a range of other financial services, I strive to provide personalized financing solutions. At Extraco, our team is dedicated to delivering compassionate service and tailored financial assistance to meet your needs. We look forward to the opportunity to support you in achieving your financing goals.