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Find an Advisor

Meet with a Wealth & Trust Advisor and get your financial goal planning questions answered.

Find a Mortgage Consultant

Our experienced Mortgage Consultants are ready to help you with your dream home. Our experts are located all over Central Texas and cannot wait to answer your questions.

Business Wealth & Trust Services

Our Wealth & Trust experts are ready to help with your business needs, such as transfer of ownership, estate planning, asset protection and more.

Wealth & Trust

The financial services professionals at Extraco share a commitment to excellence. Extraco Wealth & Trust offers families premier financial solutions to meet the increasing challenges associated with professional fiduciary services and sound portfolio management.

Overdraft Protection

Extraco's Overdraft Protection service covers crucial transactions like checks, debit card payments, and online banking, with the flexibility to extend to everyday debit card usage and ATM withdrawals upon approval.

Extrapreneur Media

Don't just hear it from us! 03.06.2019 Start Up Waco Extraco Big Idea Challenge: Pitch Your Big Idea For a Chance to Win Up To $5,000 04.09.2019 PR Newswire Extraco Banks Launches Applications for

Extrapreneur

Extraco Banks is passionate about catalyzing small business growth & creating an entrepreneurial bridge across our communities. That's why we've created the Extrapreneur Award - to provide Central

Wealth & Trust Inquiry

Interested in scheduling a financial planning appointment? Fill out the form below and a Wealth & Trust Advisor will reach out to you shortly. If you are a current customer, please click here to visit

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.

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 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.

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 Savings With Extraco

We offer a range of business savings options tailored to the specific needs of both businesses and nonprofit organizations.

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.

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.

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.

Treasury Management Services

Extraco is proud to offer expert treasury management services to our Business customers throughout central Texas. Our team is dedicated to understanding your business and helping you operate effectively and efficiently.

Merchant Services

Extraco Banks brings you card processing alternatives that are transparent, competitive and personal in delivering an exceptional buying experience through our Merchant Services products.

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.

Loan Inquiry

Have questions about applying for a loan or credit card? Fill in your information and a loan specialist will contact you!

Personal Loans

Traditional loans can be unsecured or secured by an Extraco CD or Whole Life account, or a title instrument such as a car, boat, or motorcycle. An Extraco Consumer Credit Lender is happy to advise you about which type of loan might best meet your needs.

Auto Loans

Extraco Banks makes auto loans easy by offering support for refinancing, buying a used car from an individual, purchasing from a dealership, or getting pre-approval.

Home & Auto Insurance

Home and auto insurance provide financial protection for your property and vehicles. Let Extraco Insurance help you find the coverage that fits your insurance needs.

Extraco Insurance

Extraco is a one-stop shop for all of your insurance needs. We offer tailored insurance to top-insurance companies to find a policy that fits you. We offer a variety of home insurance, auto & specialty vehicle insurance, life insurance, health insurance, and employee benefit options. Get a quote today!

Certificate of Deposit

Help your money grow by setting a fixed amount aside to draw a fixed amount of interest for a period of time.

About Extraco

At Extraco, corporate social responsibility is part of our culture. We understand that to sustain a healthy business, you must sustain a healthy community. It’s imperative to what we do daily for future economic growth and stability. Our success as a company results from the care and compassion of our 300+ team members who bring our culture to life each day. They care for our customers. They develop relationships. They run our operations. They unselfishly donate their time, talent , and personal financial resources to causes important to them.

Discover Card Acceptance Form

If you have been told by a store or merchant that they do not accept Discover cards, we'd love to hear about it. We hope to use the merchant information you provide to ensure a better experience for you moving forward!

Extraco Banks Heritage

Extaco Banks began its cotton compress and warehousing business in Waco on July 12, 1902. Today, the company has evolved into the largest and most comprehensive independent financial institutions headquartered in Central Texas.

Trust Services

Your family's financial future depends on you being prepared. Establishing a living trust provides organization and better control of your assets.

Retirement

Explore your retirement planning options with us, from 401(k)s to IRAs, tailored to meet your unique needs and goals. Our comprehensive approach ensures your long-term security by understanding your risk comfort, focusing on your goals, and helping you plan and protect your retirement.

Financial Planning

We provide top-tier financial solutions to address the growing complexities of professional fiduciary services and effective portfolio management, all tailored to your personal, family, and business goals. Your team at Extraco Wealth & Trust is dedicated to helping you discover the perfect combination of services and solutions.

Investments

Extraco Wealth & Trust knows that choosing a solution that matches your needs is essential to achieving investment success. Our product options include stocks/bonds, mutual funds, exchange-traded funds, annuities, IRA plans, and 401k plans.

Life Insurance

At Extraco Insurance, our dedicated consultants specialize in securing vital life insurance policies tailored to your needs. With our expertise and personalized service, we ensure your peace of mind by safeguarding your family's future and financial security.

Home Loans

Whether you're looking to build, purchase, refinance or receive special terms as a physician or veteran, Extraco Mortgage can help you.

Loans

Explore our comprehensive loan solutions, from home and auto loans to personal and student loans. Whether you're buying a new home, refinancing, purchasing a car, consolidating debt, or seeking student loan options, we provide tailored assistance and competitive rates to meet your needs. Let us help you achieve your financial goals with ease and confidence.

Credit Cards

Our credit cards aren't one size fits all. Extraco Banks offers a variety of cashback, reward and bonus options. Find the one that’s right for you.

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.

Resource Center

Explore our resource center! The tools and information you need to succeed, right at your fingertips. Read articles about recents events on our blog, take advantage of our financial calculators, read how-tos and tips in our resource articles, explore our video library and keep up-to-date on events!

Proud To Serve Central Texas

Extraco is proud to have served local Central Texans for over 120 years. When you choose to bank with Extraco, you get the personalized service of a local bank along with the technology and convenience of a national bank.

Privacy Policy

Extraco Banks is committed to protecting the privacy & security of its customers.

Susie Stanley-Jones,

Extraco Wealth & Trust delivers personalized wealth management, trust, and estate planning solutions designed to help you grow, protect, and transfer your assets with confidence. Led by industry experts who pair strategic insight with genuine client care, our team is committed to building long-term relationships and guiding you through every stage of your financial journey.

Bank Branch

8303 W. Adams Avenue
Temple, TX 76502
United States

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Lobby Hours
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Drive-Thru Hours
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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.

Join Us In Supporting Our Hill Country Neighbors

In response to the devastating floods impacting the Texas Hill Country, Extraco Banks has opened a special FBO (For the Benefit Of) donation account to support those affected by this natural disaster. The account is now open to the public, and 100% of all contributions will go directly to victims and their families in impacted communities.

Yes! The monthly service fee is waived on our Easy Checking account for teachers.

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