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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!

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.

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.

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.

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!

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.

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.

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.

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.

An elevated banking experience for Premier Customers

Extraco is excited to launch our Private Bank division as a brand-new banking option to go along with all of our other financial services. Our Private Bank division provides a unique and elevated experience for our premier customers designed around your specific financial needs and goals.

Life Disasters

Extraco Banks understands the unique needs of Central Texans during times of disasters. When you're an Extraco customer, you're part of the Extraco Family. Let us help you and your family through any of your needs.

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.

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.

Online Banking

Enjoy the convenience of 24/7 account management with Extraco's online banking services, accessible from anywhere.

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.

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!

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.

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

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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.

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.

Alerts & Information

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

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.

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.

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.

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.

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.

Find an Advisor

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

Extraco Banks® Begins Construction on New Downtown Temple Branch

Extraco Banks® announced on June 23, 2023, it will begin construction on its new Downtown Temple branch on July 10, 2023. The 2,400 square foot branch will have video teller technology, four drive through lanes and an outdoor seating area between the new bank building and Treno Pizzeria.

Extraco Banks® to Sell Downtown Temple Financial Center and Build New Branch

On June 30, 2022, Extraco Banks® closed on the sale of its downtown Temple financial center to Austin investors, Redeem Investments, who plans to renovate the 10-story building that makes up part of the iconic Temple skyline. Extraco will build a new financial center across the street where its current motor bank is located today.

Keri Hughitt

As a private banker, I have a dynamic background in banking and financial services specializing in client relationship management. I hold a Bachelor of Science in Applied Science with an emphasis in Business Administration (BSAS) and I am currently working toward earning my Certified Financial Planner (CFP) designation.

Nathan Harrell

My name is Nathan Harrell, and I hold a Bachelor of Business Administration (BBA) in Financial Management and a Master of Business Administration (MBA) from Abilene Christian University. I bring experience in commercial credit management, trust and wealth management, consumer banking, and income tax preparation. Currently, I am pursuing the Certified Financial Planner (CFP) certification. I am a proud and active member of the Temple Lions Club and serve as the treasurer of Impact Temple Church. Outside of work, I enjoy spending time with my wife, Sarah, and our two sons, Grayson and Jackson.

Davy Villanueva

Born in Temple, TX and raised in Belton, TX, I've dedicated my career to leadership and team development. With a strong background in selecting and nurturing high-performing teams, I've had the privilege of contributing to organizations through the development of robust quality assurance programs, training initiatives, building teams, and process improvement strategies. The love of education led me to obtain an MBA from Texas A&M Central Texas. Beyond my professional pursuits, I'm equally committed to giving back to the community that has always been my foundation. When I'm not in the corporate world, you'll find me pursuing my love for the great outdoors. I live to hunt, fish, and spend time in nature. But at the core of my being, it's family time that truly fuels me. I love to spend time with my beautiful wife Amanda and my three children Val, Amari and Ivan.

Terms and Conditions

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