Resources

New Extraco Parking Plaza Is Now Open In Temple

The City of Temple is proud to announce the official opening of the Extraco Parking Plaza located at 1st Street in downtown Temple. The Extraco Parking Plaza is a brand new, state-of-the-art facility, set to provide convenient and secure parking options for residents, downtown employees, and visitors.

How to Educate Your Family About Money With A Kids Bank Account

Teaching kids about money is crucial for their financial success. Extraco Banks' First Checking and First Savings accounts are the perfect tools to start their journey.

What You Should Know About Adjustable-Rate Mortgages

Considering an adjustable-rate mortgage for your next home purchase? Before deciding which mortgage is right for you, here's what you need to know. Let Exrtraco Mortgage help you with all of your home needs.

Upcoming Changes to Wire Transfers: What You Need to Know About ISO 20022

At Extraco Banks, we’re committed to keeping you informed about changes that could affect how you manage your finances. If you send or receive wire transfers, there’s an important update you should know about.

Planning a Side Hustle: What you need to think about before starting a side business

According to software company Zappier, 40% of Americans have a side hustle, and that number is growing. Planning a side hustle is a great way to pad your savings, pay down debt, save for a specific goal, or give you some extra wiggle room in your monthly budget. However, if you’re looking to add a side hustle, there are a few things you should know before you begin, and it starts with a plan.

Phone24 and Call Center

Our Self-Directed Services or Phone24 options allow you to quickly complete your banking services.

How to Bookmark Your Webpage

Google Chrome Computer/Laptop Open Google Chrome browser Go to the webpage you want to bookmark Click the star icon on the right side of the address bar Name the bookmark Select the folder you want

Our commitment to the Gatesville community

Extraco's long-standing presence in the Gatesville community has allowed us to build meaningful relationships with our customers and become a trusted partner in their financial journeys. We are excited to open our new branch in fall 2023.

Enhanced Loan Calculator

Use this calculator to look at a variety of possible loans. Change your monthly payment, loan amount, interest rate or term.

Simple Loan Calculator

Enter your desired payment - and let us calculate your loan amount.

ICYMI— Bank & Brews | Marketing Skills: Keeping Things on Track

Part three of the series was led by Startup Waco’s Jon Passavant and covered some of the topics from Section 3 of the Marketing Skills Toolkit– Keeping Things on Track.

How to Enroll in Consumer Bill Pay

How to enroll in customer bill pay; an online service which allows you to pay a person and/or a company through your online bank account.

How to Ban Scams from Fake Checks to Online Shopping and More

Robocalls are one of the most common scams Americans face today, and scam artists use many approaches to trick you. It might be an auto warranty renewal, a hotel reservation, an award you won – even if you never entered a drawing for it – and more. Still, robocalls are only one of the many avenues scam artists use to trick you.

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.

ICYMI— The Human Resource Lifecycle of a Business

By: Alex Eichenberg, Liz Barton & DJ Snyder

Homebase

Homebase is a leading workforce management platform designed to simplify employee scheduling, time tracking, and team communication for small businesses. Read more about how Extraco Banks is committed to building businesses.

Maximizing Your Finances: The Power of Combining Checking and Savings Accounts

At Extraco Banks, we're committed to empowering your financial journey by providing robust solutions that cater to your banking needs. Join us as we dive deeper into the specifics of both the checking and savings accounts we offer, and the unparalleled benefits of bundling them together.

ICYMI– Bank & Brews (Bell County) | How to Hire the Right Employees

Finding and hiring awesome talent is difficult. Designing the processes, finding and interviewing candidates may take time and effort, but is sure to pay off in the long-term. These are they ways that Extraco Banks has mastered the hiring process.

Mobile & Online Banking

Our online and mobile banking features offer you access to your accounts – anytime, anywhere.

ICYMI— The Human Resources Lifecycle of a Business

We want to share our expertise and knowledge about the lifecycle of an employee – from hiring to firing – with you. Below is a recap of our October Bank & Brews workshops focused on four aspects of human resources which are vital to a business (and improving the bottom line): hiring, building, coaching & disciplining employees. Make sure to download the templates from each workshop!

ICYMI– Bank & Brews Temple | Business Plans

A solid business plan is essential for all businesses. Jason Ehler of the Small Business Development Center and Brian Reinhardt of Extraco hosted a great session on what to include in your business plan (as well as what NOT to include), how often to revisit your plan after the COVID-19 pandemic, and resources that all business-owners should be utilizing.

Linking an Account vs. Adding an External Account in eBank

Our Extraco eBank platform offers two ways of connecting your other bank accounts– linking accounts or adding external accounts. Depending on what actions you want to take with your accounts, one may be better than the other.

ICYMI– Bank & Brews Waco | A Deep Dive into Google Analytics

After wrapping up a three-part series around the Startup Waco and Public Improvement District Marketing Skills Toolkit, we thought it was time to take a deep dive into some of the essential tools that all businesses should be utilizing. For our June Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be an essential, and often underutilized, tool for all businesses– Google Analytics.

Should You Choose Dividend Stocks to Combat Inflation and Rate Hikes?

Inflation in the US has surged to the highest level in nearly 40 years, reaching 7.9% in February 2022. This, coupled with the US Federal Reserve’s decision to raise interest rates, has alarmed many investors

ICYMI— Mission Marketing: Integrating Your Mission into Branding & Marketing Strategies

Every business owner has probably heard of a mission statement, but have you heard of Mission Marketing? August’s Bank & Brews workshop was all about just that— integrating your company’s values, goals and mission into your brand and marketing strategy.

Skimming: What is it? And how you can protect yourself

Card Skimming is not new, but the technology that makes it possible is evolving. Would you be able to identify an ATM rigged with skimming devices?

Bank & Brews Waco | Utilizing Google Web Tools in Your Small Business Marketing Strategy

Take a deep dive into some of the essential (and free) Google website tools that all businesses should be utilizing. For our August Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be essential, and often underutilized, tools for all businesses– Google Analytics, Google Tag Manager, Google Search Console, and Google My Business.

ICYMI—Meaningful Networking: Building and Fostering Genuine Connections

By: Sam Brown and Fiona Bond

ICYMI— Recap of March’s Bank & Brews – Don’t Quit Your Day Job…Yet

By: Sam Brown

ICYMI— Celebrating Waco Women: A Power-Hour Panel on Female Entrepreneurs

October is National Women’s Small Business Month commemorating the signing of the Women’s Business Ownership Act of 1988.

ICYMI— The Ultimate Bizkill: Top 3 things that can derail your business plan

By: Mark Reynolds & Tim Holtkamp

Extraco Banks Purchases Building for New Gatesville Location

Extraco Banks purchased the former Texas First State Bank location in Gatesville at 2501 Texas 36 with the intention of moving its Gatesville banking operation to this site in late fall 2023. Previously, Extraco had purchased land located along US Hwy 84 with the intention of building a new branch.

To Build or Not to Build: Get the Home That’s Right for You

Times are tough for buyers in today’s seller’s market. There is low inventory and incredibly tough competition for homes all over the country. Many buyers in the market have decided to build a new home to ensure they get the home that is right for them.

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

Today, Extraco Banks® closed on the sale of its downtown Temple financial center to Austin investors, Redeem Investments, who plan 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.

ICYMI— Bank & Brews | Marketing Skills: Leveling the Playing Field

Part two of the series was led by Startup Waco’s Jon Passavant. In his mentorship of business owners, he often sees the same issues arise. Entrepreneurs often struggle to determine the fundamentals of their business, such as goals, purpose, and identity.

ICYMI– Building and Facilitating Business Partnerships

Partnerships can create unique development opportunities for businesses. Whether they are simple relationships or complex ventures, well-executed partnerships can strengthen any size of business.

Boost Your Savings Strategy with Extraco

Are you ready to accelerate your savings growth? At Extraco Banks, we understand the importance of making your money work for you and offer powerful financial tools designed to maximize your money. From Certificates of Deposit (CDs) to Money Market accounts, we have the solutions you need to achieve your financial goals.

Virtual Assistants in Banking: Get Fast Answers to Banking Questions

You’re already familiar with the concept of a virtual assistant. Chat bots and virtual assistants have been around for a while, but they aren’t always as helpful as we’d like them to be. Newer technology, however, has improved this to provide you with the best answers to some of the most common questions we receive. You may have a question that falls outside the norm. Never fear! Our brand new chat feature also helps you to reach a real Extraco Relationship Banker to streamline the process from question to solution.

Five Ways to Ring in National Financial Planning Month

October marks the beginning of a financial journey towards the holiday season. As we celebrate National Financial Planning Month, it's the perfect time to embrace the spirit of saving and planning for the festive months ahead.

ICYMI: November Bank & Brews | Digital Marketing 101

The November edition of our Bank & Brews virtual workshop series was all about Digital Marketing in the era of COVID-19 and beyond. The workshop was led by Gordon Law, President of Swimming Duck, a marketing agency based out of Dallas. Gordon is also a professor at SMU where he teaches marketing and digital media. He has over 40 years of marketing and advertising experience and is a great friend of Extraco Banks. We were thrilled to have him lead our final virtual workshop of 2020.

Borrower Responsibilities

When you take out a loan, you enter into a legal contract with the lender. This contract makes you liable to repay the obligation as set forth in your loan agreement.

Ways to identify new markets and customers

Ways to identify new markets and customers. Extraco Banks is committed to building businesses throughout Central Texas. Whether you're a startup or looking to create a succession plan for your business, we have the resources to help you achieve your business goals.

ICYMI– Best Practices for Business Finances

The importance of well-organized business finances cannot be overstated. Keeping accurate and well-organized financial data is critical for knowing the status of your business, tax season, and especially when seeking financing.

How to Set Up Email, Text and Voice Alerts for Your Bank Account

By adding email and text alerts to your bank account, you’re able to keep track of bank-related notifications that are important to you. Below we've listed the steps you take to set up email and text alerts for account events and balances.

Be a Role Model to Your Children by Teaching Smart Financial Practices.

As a mom of two young daughters, teaching my children about money and finances is very important.

Maximizing Your Meal Plan: How to Stretch Your College Food Budget

Creativity and mindful spending can help you maximize your college meal plan and food budget. And it can also help you save money for other things you might need throughout the school year. The tips above will help maximize your food budget and stretch your resources further without compromising your nutritional needs.

Spring Cleaning Your Finances

Just as you declutter your closets and tidy up your living space, now is the perfect time to give your financial situation a thorough once-over. At Extraco Banks, we understand the importance of keeping your financial house in order, which is why we've put together 10 simple, yet effective, tips and tricks to help you freshen up your finances.

How to Improve Your Credit Score

Your credit score is a three-digit number which helps lenders determine the risk of lending you money. If you aren’t getting approved for credit cards or loans, you may need to improve your credit score. Building your credit isn’t a speedy process, but there are several things you can do to start paving the way to a better credit score.

Are checks really safer than debit cards?

Once you decide to buy something, you then must determine the form of payment you’ll use. Is cash easiest? Will you write a check? Or is your debit card the best way to go? Pros and cons exist for all methods of payment. Many of us decide quickly without thinking through potential fraud or payment protection.

3 Tips to Get the Most from Your Financial Advisor

Make 2023 your best year yet with a financial advisor’s help. But how do you ensure you get the most from their services? After all, hiring an advisor isn’t cheap and can set you back between $2,000 and $7,000 per year for those who charge a flat rate. Others, however, charge a percentage of your account.

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Resources