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Settling Financial Matters When a Loved One Passes

During the loss of a loved one, it can be hard to think straight and know how to unravel your loved one’s finances once he/she passes. It can feel overwhelming trying to deal with all the details. We've compiled a checklist of the typical duties of an executor when settling an estate.

Tips to Keep Your Business Secure Online

Consider Yahoo, Marriott International, Adult Friend Finder, Anthem, and Target. What do these companies have in common? They’ve all experienced some of the largest data breaches in history. The scary thing is that you can’t protect all your data all the time, but there are many things you can do to guard against a cyber-attack.

Should You Use Home Equity to Pay Off Debt?

You’re staring at a mountain of debt and wondering how to pay it all. Bills keep piling on, but your payments, especially today, barely make a dent in your situation. Sure! You’ve heard of refinancing your home; some use home equity to tackle their mounting debt. But is it a good idea? And, if so, what must you know before diving in?

How to Get a Student Loan to Cover Financial Gaps from Scholarships

Making ends meet as a student when you’re not receiving enough financial aid from scholarships or grants can be challenging. Sometimes, it feels like there’s no way to make up the difference to get the funds you need. Grants and scholarships are an excellent start for funding your education, but they often don’t cover everything you need to get through a semester, let alone the entire school year. However, a student loan can help bridge that gap and get you the necessary funds.

How Extraco Empowers Entrepreneurs to Manage Multiple Ventures

Extraco empowers entrepreneurs by providing the essential tools and support needed to manage multiple ventures effectively. From streamlining operations and simplifying financial management to offering strategic planning assistance, we are committed to supporting entrepreneurs so they can thrive without being held back.

5 African Americans To Celebrate During Black History Month

We’ve got some extraordinary people to tell you about in celebration of Black History Month. We’re thrilled to celebrate these pioneers for all they have achieved and taught us throughout history. These historical figures remain beacons of hope, knowledge, and resolve. Their stories remind us to pursue our goals, dreams, and ambitions with determination, as tomorrow may bring unexpected opportunities.

Extraco Banks - Who We Are

Read our latest blog to learn more about what sets Extraco Banks apart from other central Texas banks. When you bank with Extraco, you bank with the best

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. 

6 Steps to Creating a Great Financial Plan

The biggest mistake in financial planning is not having one. Creating a financial plan is not difficult, but it is daunting! We've broken down the six key steps to the financial planning process.

Calculating Your Debt-to-Income Ratios

Learn how to calculate your debt-to-income ratio (DTI) to estimate how much you can afford on your next mortgage. In addition to your credit score, your debt-to-income (DTI) ratios are looked at by closely by mortgage lenders when you apply for a loan. This ratio is extremely important in determining the risk associated with approval.

Finding new business verticals

Finding new business verticals. 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.

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.

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!

Tips on How Student Loan Forgiveness and Refinancing Works

With a federal student loan moratorium scheduled to expire soon and more talk about student loan forgiveness, now is a great time to decide how to proceed if you carry student loan debt. The weight of any student loan, especially a large one, can feel like a drag, but it doesn’t have to end that way. There are ways to reduce your loan term, lower your interest, or lower your monthly payment. You might even eliminate all or part of your student loan. However, knowing the difference between student loan forgiveness and refinancing is vital before beginning.

Managing seasonal demand

Managing seasonal demand. 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.

Your Complete Moving Checklist

There is so much to do when you’re getting ready to move — especially if you’re moving to a new city. This checklist won’t reduce your to-do list, but it can make it easier to avoid forgetting important tasks.

How to Shop Local for Fun and Unique Gifts

Finding the right gift, especially for someone who has virtually everything, is challenging. While you could do a web search to find gift ideas, why not take another approach by supporting your local businesses and finding something unique?

When Is it Time to Increase Your Team?

Growing your team can be nerve-wracking and exciting bundled together. On the one hand, it means you’re hitting important milestones and expanding your business. Yet, it also means you need to grow your team and perhaps even hire new types of talent to accommodate your increasing need. Finding the sweet spot and knowing when to hire and when to hold off is key. Thankfully, there are a few simple ways to tell when it’s time to increase your team.

What is Positive Pay?

Positive Pay is an automated cash management system that helps eliminate the risk of losing money from fraudulent checks. We use this system to coordinate financial payment security efforts with your business; this allows your business to monitor payments and ensure that only your payee receives the approved funds. If we receive a check that doesn't match your Positive Pay file, we will contact you to verify payment details before honoring it.

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. 

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.

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.