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Savvy Savings

Round up savings from debit card purchases to be automatically moved to your savings account.

Schedule Appointment

Schedule an appointment at your local Extraco branch to meet with a Relationship Banker.

Trust Services

Your family's financial future depends on you being prepared. Establishing a living trust provides organization and better control of your assets.

Certificate of Deposit

Help your money grow by setting a fixed amount aside to draw a fixed amount of interest for a period of time.

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.

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 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 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.

ACH Transactions

Slow down your payables and speed up your receivables with Automated Clearing House (ACH). ACH is a secure, convenient, and cost-effective way to electronically collect and send payments, making it the preferred method for handling all types of transactions.

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.

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).

eConsent Disclosure

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

FASTSIGNS

Learn how FASTSIGNS Waco can help your business grow!

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!

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.

Lot, Land, and Construction Loans

Built by you, backed by us. Secure the perfect land for your dream home with our lot/land loans, offering up to 80% financing or 100% for qualifying physicians. If you're ready to build, our construction loans provide flexible terms, including interest-only payments during construction. Explore options for both immediate and future building plans to make your vision a reality.

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.

Find a Business Banker

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

Pendant

Learn how Pendant Creative can help your business grow!

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.

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.

Linsey Barron

Hi, I’m Linsey! Over a decade ago, I took a leap of faith and embarked in the financial industry, and it’s been an incredible journey of growth, learning, and purpose ever since. There's nothing more rewarding to me than helping individuals and families turn their dream of homeownership into a reality.

Home & Auto Insurance

Home and auto insurance provide financial protection for your property and vehicles. Let Extraco Insurance help you find the coverage that fits your insurance needs.

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.

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.

Smart Savings

This savings account offers flexible access to your funds and unlimited interest.

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.

Find a Mortgage Consultant

Our experienced Mortgage Consultants are ready to help you with your dream home. Our experts are located all over Central Texas and cannot wait to answer your questions.

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.

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.

Chris Baldwin

I'm Chris Baldwin, serving as a Bank Officer at Extraco Banks. My expertise lies in auto loans and camper loans, where I strive to provide tailored financial solutions to our valued clients. At Extraco Banks, we are dedicated to assisting you in fulfilling all your financial requirements with our distinctive services and attentive staff.

Eleserv

Learn how Eleserv can help your business grow!

Joanna Melton

I'm Joanna Melton, dedicated to assisting families in realizing their dreams of home ownership. With a wealth of experience, I offer a diverse range of loan programs tailored to your specific requirements. My expertise spans across various loan types, including Conforming & Jumbo Loans, Construction Loans, and Conventional Loans, among others. While my office is situated in Belton, I extend my services to cover all areas of Central Texas.