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Contact Us

Extraco Banks contact information, including business address and important phone numbers. Our local team is here and always happy to help you however we can.

Checking Accounts

A checking account shouldn't be one size fits all. At Extraco, we know the importance of meeting the unique needs of our customers. Check out our Bonus Banking, Basic Checking & Interest Checking accounts to find your fit today!

Veteran Home Loans

At Extraco Mortgage, we believe our Veterans and active-duty military members deserve a place to call home—and a lending partner who understands their journey. Our VA Home Loans are designed to honor your service with benefits that make homeownership more affordable and accessible.

Banking For Kids

Our First Checking and First Savings accounts, available for kids ages 0-18, are designed to grow with your child -- the perfect way to start your kids off on their financial journey!

Loan Payment Options

Thank you for working with Extraco Banks for your loan! Below are a list of convenient ways to make your loan payments each month to Extraco.

Extraco LINC

Powered by Extraco Banks, LINC brings together resources to help entrepreneurs and small businesses flourish throughout Central Texas.

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!

Our Extraco Team

As a result, we are actively seeking individuals who seek to work in a business culture that values enthusiasm, energy, honesty, a passion to learn, and a desire to maximize their individual potential. We are seeking career-minded individuals to join our outstanding team of like-minded employees.

Banking at Extraco

With Extraco, you don’t have to choose between a personalized banking experience and a high-tech one. We’re located exclusively in Central Texas and use the same financial security standards and seamless tech you expect from the big national firms.

An elevated banking experience for Premier Customers

Extraco is excited to launch our Private Bank division as a brand-new banking option to go along with all of our other financial services. Our Private Bank division provides a unique and elevated experience for our premier customers designed around your specific financial needs and goals.

Easier, faster, flexible banking that puts you in charge.

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Safety and Simplicity With 100% FDIC Insurance

ICS and CDARS services offer solutions for large depositors seeking FDIC protection on funds exceeding $250,000. These services enable access to multi-million-dollar FDIC coverage through a single banking relationship.

Schedule Appointment

Schedule an appointment at your local Extraco branch to meet with a Relationship Banker.

Curbside Delivery Request

Curbside Delivery is now available at our Waco: Bosque, Waco: Downtown, Waco: Midway, Killeen, Temple S. 31st Street, and Belton locations. Get printed statements, new/replacement debit cards, cashier's checks and notaries delivered to your car with the click of a button!

Meet your Private Bankers

Our Private Bankers are here and ready to help you navigate your financial situation and reach your goals. Connect with a Private Banker today to get started.

Private Bank

Experience first-class service with Private Bank at Extraco. Our dedicated team offers personalized guidance and innovative solutions tailored to your evolving needs and goals.

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.

Solution Home Loan Program

This innovative program offers alternative credit solutions and is open to eligible applicants seeking to purchase a primary residence in select Bell and McLennan County areas.

Premier Plus Banking

As a Premier Plus customer, you'll receive the highest level of customer service, rewards, and benefits a bank can offer with an exclusive suite of financial solutions designed to meet your needs.

Solution Banking

Solution Banking is ideal for those who have had trouble overdrawing checking accounts in the past. There is a $5.00 monthly service charge that can be waived with a combined deposit of $1,000 or more per statement cycle or if you are 23 or younger, or 65 or older. This account offers no paper checks and no overdraft privilege.

Smart Savings

This savings account offers flexible access to your funds and unlimited interest.

Easy Checking

Easy checking is perfect for those looking for a checking account without the bells and whistles. Best of all, there is no monthly fee for students up to age 23 and those 65 and older.

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!

Homebase

Homebase helps small businesses manage employee scheduling, time clocks, payroll, communication, and more in one place.

Hurdlr

Seamlessly tracks all of your business income, expenses, self-employed tax estimates, and deductions in real-time, saving you valuable time and maximizing your profit.

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.

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 Insurance

Extraco variety of business insurance offerings will keep your company protected, so you can focus on building your business.

Discover® Debit Card

Extraco Banks is committed to helping you protect, understand, and manage your personal information and credit score all in one place. The Discover® Debit Card offers dark web and FICO® credit score monitoring. These features have no impact on your credit score and come at no additional cost. It is that easy!

Savvy Savings

Round up savings from debit card purchases to be automatically moved to your savings account.

Bank Branch
  • Curbside Delivery
  • Handicapped Access
  • Home Loans Specialists
  • Safe Deposit Box

1700 North Valley Mills Drive
Waco, TX 76710
United States

254.761.2000
Directions
Lobby Hours
Currently closed
Hours Today:9:00 am - 4:00 pm
Drive-Thru Hours
Currently open!
Hours Today:8:00 am - 5:30 pm

Bank Branch
  • Curbside Delivery
  • Handicapped Access
  • Safe Deposit Box
  • Saturday Hours
  • Spanish Speaking

2000 N. Main
Belton, TX 76513
United States

254.774.5500
Directions
Lobby Hours
Currently open!
Hours Today:9:00 am - 5:00 pm
Drive-Thru Hours
Currently open!
Hours Today:8:00 am - 6:00 pm

Bank Branch
  • Handicapped Access
  • Saturday Hours
  • Spanish Speaking

3615 S 31st St
Temple, TX 76502
United States

254.774.5500
Directions
Lobby Hours
Currently open!
Hours Today:9:00 am - 5:00 pm
Drive-Thru Hours
Currently open!
Hours Today:8:00 am - 6:00 pm

Home Loan Payment Calculator

This home loan payment calculator helps you estimate your monthly mortgage payments based on factors like loan amount, interest rate, term length, and property taxes. It’s a quick and easy tool to better understand what you can afford and plan your budget with confidence.

Auto Loan Calculator

Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment.

Certificate of Deposit Calculator

Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD). Just enter a few pieces of information and we will calculate your annual percentage yield (APY) and ending balance. Click on the "View Report" button to see a detailed schedule of your CDs balance and interest earned.