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Zero Balance Accounts

A Zero Balance Account (ZBA) will bring your organization's funds into one operating account. Disbursements are made from subsidiary account which always maintain a zero 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.

Alerts & Information

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

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.

BankOn Checking

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

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.

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.

Terms and Conditions

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

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.

Online Banking

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

Bill Pay Assistance

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

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.

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!

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.

Search

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

eConsent Disclosure

PURPOSE OF THIS DISCLOSURE This Disclosure is in regards to conducting business electronically, receiving electronic notices and disclosures, and signing documents electronically. Please read the

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).

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.

Reference Guides

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

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.

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.

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.

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.

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.

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.

Find a Business Banker

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

Find an Advisor

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

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.

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.

Wealth & Trust

The financial services professionals at Extraco share a commitment to excellence. Extraco Wealth & Trust offers families premier financial solutions to meet the increasing challenges associated with professional fiduciary services and sound portfolio management.

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.

Extrapreneur Media

Don't just hear it from us! 03.06.2019 Start Up Waco Extraco Big Idea Challenge: Pitch Your Big Idea For a Chance to Win Up To $5,000 04.09.2019 PR Newswire Extraco Banks Launches Applications for