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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?

Bank Jugging: What it is and how you can protect yourself

As long as there are people making money, there will be others who will try to take it from them. While Skimming has been around for a while, the newest forms of theft are Bank Jugging and Card Cracking. You need to be aware of these new schemes so that they don’t happen to you.

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.

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.

What to Know Before Launching a New Business in 2023

Are you thinking about launching a new business in 2023? We like to think of starting a new business as a journey. Launching a business is a big step and one with the potential to help you realize your dreams. Taking your time and launching your business the right way is wise. So, having patience and discernment will prime your business for growth and success.

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.

How to Utilize Mobile Deposit

Deposit into your account with convenience. Extraco banks is committed to providing you access to your account anywhere you are. Set up mobile deposit today!

How to Help Your Teenager Build Credit

Credit is the ultimate catch-22. To get credit, you must have a credit history. Young people wanting to establish themselves financially often find themselves in this conundrum. They've never had a credit card, haven't purchased their own vehicle and are not a home-owner. In other words, they're invisible to the credit bureaus. 

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.

Vacation planning: Steps to make sure you’ve got a budget and a plan for this year’s vacation

Summer has finally arrived, and if you haven’t done so yet, it’s time to think about how to spend your 2022 summer vacation. The good news is that many governments and businesses have lifted pandemic restrictions. However, in their wake, we’re now facing higher prices at the pump, the stores, and everywhere else. Yet, with a few simple tips, you can still plan an enjoyable vacation while sticking to a budget.

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.

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.

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.

Dorm Room on a Dime: How to Get the Look for Less

When you are budget-savvy and looking for stylish living solutions, finding the look for less is top of the to-do list. That’s why we’re digging in to offer hacks and solutions that won’t break the bank.

Benefits of Gift Card Programs for Your Business

Want to attract new customers and keep existing ones returning? A gift card program can help! In this blog, we'll highlight four benefits of using gift card programs. Here at Extraco Banks, we offer Cashback+ to our customers to purchase digital gift cards with bonus offers any time they want using funds directly from their checking accounts.

The New Normal: How the Gig Economy Highlights the Need for Emergency Savings

As a gig worker, you must wear many hats and take on more responsibilities than you might as a traditional employee. This kind of work provides several advantages, including more freedom and flexibility to structure your work in a way that aligns with your preferences. However, there are a few caveats, mainly regarding financial stability.

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.

How to Protect Older Adults and Loved Ones from Fraud

As autumn draws near, it’s time to consider the holiday season ahead. Although fraud can happen to anyone anytime, it’s especially concerning during the holidays. Older adults and loved ones often feel the brunt of these attacks. The FBI reported Americans aged 60 and older lost nearly $1.7 billion in 2020, with fraud claiming over 92,000 victims that year.

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.

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.