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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.

Bill Pay And Voice Pay

Bill Pay is an online service which allows you to pay a person and/or a company through your online bank account. You determine who you want to pay, when you want to make the payment, how often you want to send the payment, and which account you want the payment to come from. It's safe, secure and easy to use.

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.

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.

How to Inspire Employee Health with Office Wellness Programs


2023 is off to a good start, but as with the beginning of any year, now is the time when most people are focused on New Year’s resolutions. Resolutions vary by person but often center around money and health. For that reason, you can better encourage your employees with the help of an employee health and office wellness program.

Home Insurance

Home insurance is not just a box to check; it's a crucial tool to safeguard your home and everything it holds. Like any other aspect of your financial plan, your home insurance needs to be periodically evaluated and adjusted to meet your changing circumstances and the evolving market dynamics.

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.

Home Budget Analysis

Managing your monthly budget can be difficult and frustrating. One of the most important aspects of controlling your budget is to determine where your money is going.

Mortgage Payoff Calculator

How much interest can you save by increasing your mortgage payment? The mortgage payoff calculator helps you find out.

Auto Loan Calculator

Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment.

Mortgage Refinance Calculator

How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home.

Extraco Banks Announces Leadership Transition in Waco Commercial Lending Division

Extraco Banks proudly announces the retirement of long-time executive Mark Reynolds, Regional President of Commercial Lending for the North Region, after 28 years of dedicated service. As part of a strategic leadership transition, Tammy Richards has been named as his successor, continuing the bank’s strong legacy of relationship-driven commercial banking.

Why Investing in the Stock Market Should Be Your Next Money Move

It's the perfect time to reflect on our financial goals and set ourselves up for success. This year, why not make investing in the stock market your top resolution? Extraco gives you access to a digital investment solution, EasyInvest, directly via our digital banking platform. This way, you can invest like the top 1%, starting from as little as $10.

Insurance Premium Changes

Your premium is likely to change each time you renew your insurance. This is because premiums are affected by many factors, including the cost of doing business and changes to the way risk is assessed. Sometimes premiums increase across the board because your level of risk has increased.

What the One Big Beautiful Bill Act Means for You

In July of 2025, the federal government signed into law the One Big Beautiful Bill Act—a sweeping piece of legislation that reshapes the tax landscape for individuals, families and business owners alike. Whether you're an investor, a retiree or a business owner, this new law carries implications for your financial strategy.

Can You Spot a Phishing Scam? 🕵️‍♀️

Every day, scammers trick people into giving away personal information through emails, texts, and phone calls disguised as their bank. With more of us relying on online and mobile banking, these scams are on the rise. In fact, the Federal Trade Commission reported that Americans lost a shocking $10 billion to phishing scams and fraud in 2023—a 13.6% increase over 2022.

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. 

The Magic of Compounding Interest: How It Can Supercharge Your Savings

When most people think of compounding interest, credit cards, mortgages, and personal loans come to mind. Whether your goal is to build your net worth or save for retirement, compounding interest is a powerful tool to supercharge your savings, allowing your money to work harder for you.

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!