Find a Business Banker
Meet with our Commercial Bankers, who are located across Central Texas, today to achieve your business goals.
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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.
Extraco In The News
Extraco In The News
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.
Savings Accounts
Make your money work for you with one of our savings accounts.
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.
Available Positions
Come build some dreams!
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!
Business Checking with Extraco
We offer a range of business checking accounts tailored to the specific needs of both businesses and nonprofit organizations.
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.
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The Extraco Banks routing number is 111900581.
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To request a commercial change order, please click below.
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To unlock your account, please login to Online Banking or the Extraco eBank app and select Forgot Your Password?
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Your account number can be found while logged into Online Banking or the Extraco eBank app on the Accounts tab. Simply select the desired account and the account number will be displayed at the top of the screen.
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We are not accepting coin deposits through the drive-thru at this time.
