Small Business Banking With Extraco
Small businesses are the cornerstones of local communities and we are committed to helping them thrive.
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Absolutely! We offer a mobile banking app with mobile deposit features, so you can simply take a picture of your check to make your deposit. We also offer remote capture services, so you can scan in multiple checks right from your office on a daily basis and more! Our technology services rival those of national banks.
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To request a commercial change order, please click below.
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In order to set up a business account, you would need your business entity, legal documents. (ie. Assumed Name Certificate, Articles of Incorporation, Certificate of Formation, Articles of Association/Organization, etc.) along with the IRS, EIN#. (if applicable)
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You should be able to view your statements online for the past 2 years. However, if you need to access statements further back than that, you can simply contact your banker for assistance.
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In order for a wire transfer to be sent out the same day, it needs to be processed before 2:00pm. (Before 1:00pm for international wire transfers)
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There are many factors to consider in quoting a commercial rate (unsecured, secured, what is the collateral, how much, what term, etc.), so it is best that you call and schedule a meeting with a Commercial Banker to discuss details.
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If mobile deposit is missing, please go to Settings and Mobile Deposit Enrollment or call 1.866.398.7226.
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Yes, use the Link Account button on the home screen or go to Other Services > Add External Account to securely connect accounts from other banks.
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Log in, go to Settings > Payments & Transfers, then choose the account to pay from, select your loan, enter the amount, and choose the payment type.
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Requirements may vary by loan type, but at a minimum, you’ll need to provide one year of personal and business tax returns, a business financial statement, proof of sufficient income, and details on any current debts.
Business Banking at Extraco
At Extraco Banks, we’ve served Central Texas entrepreneurs and small businesses for over a century. We’ve seen every business type, from industrial manufacturers to modern software companies, and everything in between.
Business Checking with Extraco
We offer a range of business checking accounts tailored to the specific needs of both businesses and nonprofit organizations.
Meet a Small Business Banker
Meet an Extraco Banks Small Business Banker
Basic Business Banking
Basic Business Banking
Business Bonus Banking
Our Business Bonus Banking product is designed for businesses with less than 200 transactions each month and want the benefit of earning Cash Back on all credit or signature-based debit card purchases.
Business Elite Checking
Our Business Elite Checking account is the perfect solution for businesses handling large amounts of cash. It's tailored to meet the needs of your company and you handle high cash deposits and withdrawals.
Business Customer Change Order
Simply fill out this quick form and your change order will be ready in two hours for pick-up in the lobby or drive-thru at the branch you selected. Any change order request received after 4pm will be prepared the next business day. If you have any questions about your change order, please call us at 1-866-EXTRACO (398-7226).
Business Elite Money Market
Extraco Banks' Money Market account is the perfect account for larger balances with the ability to earn tiered interest as your savings grow.
Business Savings With Extraco
We offer a range of business savings options tailored to the specific needs of both businesses and nonprofit organizations.
Extraco LINC
Powered by Extraco Banks, LINC brings together resources to help entrepreneurs and small businesses flourish throughout Central Texas.
Extraco@Work
Eligible Extraco business customers may enroll in Extraco@Work to take advantage of the following benefits for their employees: Reward Checking with No Monthly Fees, Financial Education, Consulting From an Extraco Expert, InfoArmor Benefits, and more.
Business Certificate of Deposit
Watch your business funds and savings grow as you earn with fixed interest for the term of your choice. With a CD (Certificate of Deposit) you'll maximize your earnings & grow your money faster.
Jumbo Indexed Money Market
Extraco Banks' Jumbo Indexed account is great for those with extremely high savings balances.
Commercial Checking
Our Commercial Checking account is created for businesses with 200 or more transactions a month that need a more sophisticated service to manage their cash flow. Pay only for the services you use and offset fees with earnings credits or reduce fees by maintaining a higher balance.
Charitable Checking
Our Charitable Checking account has no monthly fee for non-profits, and is best for organizations that process 200 transactions or less per month.
Business Succession Planning
Our Wealth & Trust experts are ready to help with your business needs, such as transfer of ownership, estate planning, asset protection and more.
Digital Banking At Extraco
Check account balances. Make mobile deposits. Automate bill pay. There are a variety of ways to bank without ever having to visit a branch!
Mobile Deposit
Deposit a check, anytime, anywhere! Simply open your Extraco eBank app, select the mobile deposit feature, enter the check amount, take a photo of the front and back of the check, and submit.
EasyInvest With Extraco
We are excited to launch our new digital investment platform within the Extraco eBank app and online banking! Investing is a key way to grow wealth and reach future financial goals. With this new offering to Extraco customers, you can get started investing in stocks, bonds, cryptocurrency, and ETFs free of charge with as little as $10!
Business Ways To Bank
Accessing your business accounts shouldn't be limited based on the time or day. With an Extraco business account, you have banking with the convenience to fit your needs.
Open a Business Account
Get Started Today! Interested in learning more about our business solutions? Fill out the form below and an Extraco Business Advisor will be in touch with you shortly. If you are a current customer
Business Loans
Whether your business is in need of real estate loans, municipal financing or business loans, we've got the right solution and experts waiting to help you.
Business Insurance
Extraco variety of business insurance offerings will keep your company protected, so you can focus on building your business.
eBank - My Toolkit
As an Extraco customer, you have access to solutions integrated into your eBank that can help you reach your financial goals. Learn more about the resources available to you!
Cashback+
Every day you make purchases, from groceries to gas. With CashBack+ from Extraco Banks, get instant cash back, up to 20%, just for buying what you already do. Browse personalized offers, purchase gift cards, and enjoy savings.
Mobile Wallet Payments
There are so many ways to pay, send and receive money with your Extraco Banks account. Connect your Extraco debit card to Apple Pay®, Google Pay®, or Samsung Pay® or use popular money transfer apps like Venmo, PayPal and Cash App.
Business Credit Cards
Explore our selection of business credit cards, including options for low rates, cash back, or flexible rewards, ensuring you find the ideal fit for your business 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.
You Asked, We Delivered: A Better Online Banking Experience Is Coming Soon
At Extraco Banks, your feedback drives our innovation. We’ve listened closely to your needs, and we’re excited to share that a refreshed online banking experience is coming soon — one that’s more secure, more efficient, and easier to use.
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.
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.
Raising Children and Running a Business: Insights from Mom Entrepreneur Kelsey Baas
Hear from Kelsey Baas, owner of Compleo Physical Therapy & Wellness, about balancing family responsibilities while managing a business. This is part of Extraco Banks's The LINC Up series.
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.
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!
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.
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.
How To Utilize ACH for your Business
How To Set Up ACH Transactions
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.
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.
