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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.

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.

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.

Five Things Your Small Business Should Know About Branding

Branding is a powerful tool that can make or break your small business. Building a strong brand requires an understanding of what your business stands for and why you are in business. Read more from Sidekick Creative Agency about branding from your business.

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.

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.

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

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.

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.

Credit Card Debt: How to Know When You’re in Over Your Head

It’s best to avoid going too deep into credit card debt, and the way to do that is with careful planning and by creating a solid budget that you can live with. Knowing what you can reasonably afford and when you’ve reached that point is half the battle to preventing debt.

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.

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.

American Heart Month: The Costs and Warnings of Heart Attack

One thing we don’t talk enough about is health. We care about you. So, we want you to be as healthy as possible. February is American Heart Month, so it's a great time to learn about heart disease. Heart disease affects people of all ages, from babies to adults. And heart disease and stroke are the leading causes of death for men and women.

How to Find the Right Mentor to Help You Grow

A mentor can be an indispensable resource when you begin a new career or are looking to level up your skills. Mentorship can help you gain guidance to reach personal and career goals. First, you should know a few things about mentors and mentorships before beginning.

Money Mentor vs. Financial Planner vs. Financial Advisor: Which is Best?

The new year brings a unique chance to change your future and financial situation. According to a recent survey by intelliflo, a cloud-based technology platform for financial advisors, 71% of Gen Z (ages 18-25) and 72% of Millennials (ages 26-41) say they want financial advice but don't know how to get it.

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.

5 Tips for Maximizing Your New Year’s Resolutions

With inflation beginning to cool, this year might be an excellent time to set your resolutions for meeting your financial goals. After all, we could all use more money in our pockets and bank accounts. To maximize your chances for success, we have some tips to get you started, and you can begin by creating smart goals.

How Can You Save Money With Home Insurance?

Need home insurance but could use some help figuring out where to start? We can help! Homeowner's insurance is essential to protecting your home and property. Your home is your biggest investment. So, you'll want to ensure it is well-protected should something happen that causes damage or liability concerns. And homeowner's insurance protects your home against loss or damage.

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?

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.

7 Festive Ways to Save Money Christmas Shopping

It’s that time of year again, and if you haven’t started your Christmas shopping yet, now is the time to do it. However, shopping for gifts can be challenging during economic uncertainty, especially when you’re looking to save money. Budgets are tighter, and the things you want and need cost more. Yet, this doesn’t mean you can’t have a great holiday. We devised a plan to make your holiday shopping and gift-giving easier. Here are 7 festive ways to save money while Christmas shopping.

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.

Business Insurance You’ll Need

If you’ve been procrastinating on business insurance, consider this: small businesses are much more likely than larger companies to be devastated in the event of an unforeseen loss, and business insurance needn’t be costly. Read more to learn about the business insurance you need.

The Difference Between Cash Flow and Profit

Cash coming into your business and the actual profit you make are two very different things, and almost always never total up as identical amounts. Read more to learn the difference between cash flow and profit.

Identifying Your Business Drivers

Identifying and monitoring the key drivers of your business will help track what’s happening and trigger red flags for when remedial action is needed. A whole range of internal and external factors affects the performance of every small business. Read our resource article to learn more!

How Entrepreneurs Can Get a Business Scholarship Award

Are you an entrepreneur looking to further your education? If so, you might be eligible for a business scholarship award! These awards help business owners finance their education and continue their business ventures. We'll go over how to start your search, standard eligibility requirements, and the types of scholarships available. We'll also provide you with some success tips for completing your applications. So, if you are ready to level up your business skills, read on.

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.

Whole Life vs. Term Life: Which Life Insurance is Better?

Choosing a life insurance policy can feel like walking through a labyrinth. Different types of policies, costs, benefits, and the fine print can be confusing.  Which insurance is best for you: whole life insurance or term insurance? Let’s look at the differences between each so you can decide.

7 Ways to Save Big on Your Thanksgiving Meal

Thanksgiving is almost here. Turkey, cranberry sauce, stuffing, and an assortment of other dishes and desserts are on everyone's mind and menu, as well as the number of guests you plan to serve. For some, this might mean hosting a small number of guests, but for a larger gathering, you could have several. This can lead to another pressing issue: how to host a Thanksgiving meal that won't break your budget, despite currently higher prices.

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.

6 Tips for How to Pay for a Major Medical Expense


This year, the Susan G. Komen Foundation predicts there will be 287,850 new cases of invasive breast cancer in women and 2,710 new cases of male breast cancer. While early detection and prevention are essential, cancer care and treatment costs can be astronomical. So how do you pay for these and other major medical expenses?

How to Make the Most of Merchant Services

Despite the reasons behind the rise of touchless payments, the need for well-rounded merchant services to address and manage these payments has also increased. Thankfully, banks that work with local businesses are helping businesses level up their game by providing various merchant service options to meet consumer payment needs and how to make the most of these services.

How to Get the Most Out of Your Credit Card

In a 2020 Bankrate survey, 59% of U.S. adults reported carrying a credit card, yet 31% did not redeem their rewards. Whether you already have a credit card or are shopping around for your first one, getting the most out of your credit card is essential.

What Is a Trust Fund?

Trust funds provide a financial safety net for your family in an unexpected tragedy. Creditors cannot access the money you place in a trust fund. However, the fund can pay for funeral expenses, medical bills, and other immediate needs. Trust funds can also ensure that your loved ones have the money they need to care for themselves financially, even after you're gone.

Why Hiring an Investment Professional is a Good Idea

Like most people, you probably think hiring an investment professional is a waste of money. You might believe using a pocket investor or investment app is just as good — or better — than working with an investment professional. However, this isn't always the case. There are many reasons why hiring an investment professional is a good idea and can maximize your return beyond what fractional investing can achieve.