Extraco Banks makes managing personal finances easier and faster than ever with flexible products and services that support your goals

Easy Checking
Experience ultimate simplicity with our Easy Checking account.
Premier Plus Client Banking
Premier Plus Customers receive the highest level of customer service, rewards, and benefits a bank can offer.
Solution Banking
Solution Banking is ideal for those who have faced overdrawing issues in the past.
Discover® Debit Card
All Extraco Banks checking accounts come with a free Discover Debit Card.
BankOn Checking

Smart Savings
This savings account offers flexible access to your funds with tiered interest rates.
Smart Rate Money Market
This account offers a smart and secure way to grow your savings with competitive, tiered interest rates.
Certificate of Deposit
Maximize your savings with a certificate of deposit.
Savvy Savings
Round up your purchases to the nearest dollar and deposit the spare change into your savings account.

Commercial Checking
Experience sophisticated cash flow management with our Commercial Checking account.
Business Elite Checking
Our Business Elite Checking account is the perfect solution for businesses handling large amounts of cash.
Basic Business Banking
This account is simple and doesn’t have any hoops to jump through so you can focus on growing your business.
Business Bonus Banking
This account is perfect for businesses that want the benefit of cash back!
Charitable Checking
The perfect account for non-profit organizations, offering no monthly fees and tailored features to support and empower your mission.

Business Elite Money Market
Enjoy the convenience of flexible access to your funds coupled with the added benefit of unlimited interest.
Jumbo Indexed Money Market
Maximize your savings and support business growth.
Certificate of Deposit
Certificates of Deposits are a great way to steadily grow your business’ value using the extra cash you have sitting around.

Treasury Management Services
Our team is dedicated to understanding your business and helping you operate effectively and efficiently.
Merchant Services
Let us help create flexible and secure solutions for your business.
CDARS/ICS Services
Get full FDIC coverage on account balances above $250,000 through the ICS and CDARS services.
Extraco@Work
Providing your employees with exclusive benefits to make their lives easier.
Find a Treasury Management Consultant

Sometimes you just need a little financial breathing room.

Home Loans
We have options available to assist you in buying a home or refinancing your current mortgage.
Auto Loans
We make lending easy so you can get into your new car faster.
Personal Loans
Consolidate debt, make home improvements, or make a major purchase with a personal loan.
Business Loans
We offer business loans to help your business keep pace and grow.
Credit Cards
Our cards aren't one size fits all. Find the one that’s right for you.
Student Loans
Extraco Banks has teamed up with Brazos Higher Education to provide a variety of student loan options to fit your needs.

Quick Actions

Make a Personal Loan Payment

Begin a Mortgage Application

Upload Secure Documents

Business Credit Cards

Extraco Insurance is your go-to source for securing the most competitive rates across all your insurance needs.

Home & Auto Insurance
Your home and vehicle is one of the most important things you want to protect. Let us help you find the perfect policy tailored to you.
Life Insurance
It’s not just a policy, it’s peace of mind. Our agents will help you establish the coverage plan specific to your objectives.
Business Insurance
Our variety of insurance offerings will keep your company protected, so you can focus on building your business.

Quick Actions

Get A Business Insurance Quote

How Insurance Works

Wealth Management

We provide tailored plans to meet your unique needs when it comes to your future.

Retirement
Explore your retirement planning options with us, from 401(k)s to IRAs, tailored to meet your unique needs and goals.
Trust Services
Establishing a living trust provides organization and better control of your assets.
Financial Planning
Our financial services professionals have shared a commitment to excellence since 1951.
Private Bank
Our Private Bank team provides personalized guidance and innovative solutions that adapt to the needs and goals of our premier clients.
Investments
Choosing a solution that matches your needs is essential to achieving investment success.
Business Wealth & Trust
You wear a lot of hats as a business owner– let us handle your assets and retirement planning.

Extraco 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.

Quick Actions

Find A Private Banker

Find an Advisor

Wealth & Trust Inquiry

2025 Extrapreneur Award

Live pitch competition where entrepreneurs and small business owners present compelling business plans featuring innovative ideas to win cash prizes.

Extraco Banks is passionate about being a catalyst for innovative ideas and creating an entrepreneurial bridge across our communities.

Starting our 6th award cycle, Extraco's Extrapreneur Award provides a platform for entrepreneurs to present their ideas to a panel of Extraco's leaders to win cash prizes.

Available Awards

Overall Winner

$20,000 cash prize
Extraco business consulting for 12 months
Extraco strategic planning seminar
6 months of Extraco strategic partner resources

Regional Award

$5,000 cash prize
Extraco business consulting for 6 months

* Regional winners will not receive the Finalist award as well.

Finalist Award

$1,500 cash prize
Extraco business consulting for 3 months

People's Choice Award

$1,000 cash prize

Extrapreneur Powered by Extraco Banks

2025 Competition Timeline

January 2025 - After Hours Promotion Events in Waco, Temple and College Station
February 2025 - Video Pitch Applications Live
March 2025 - Business Plan Applications
May 2025 - Finalists Announced
June 2025 - Finalist Pitch Competition
June 2025 - Award Banquet

Criteria

Legal entity, for-profit and not a franchise
Must have revenue of at least $150,000 (not exceeding $3 million annual revenue)
Headquartered within Extraco footprint: Bell County, Brazos County, Coryell County, Hamilton County, McLennan County or Williamson County

2025 Extrapreneur Guideline

Click below to download this year's guidelines.

2025 Extrapreneur Application Portal

Ready to apply? Click below to start your application today!

Have questions?

For assistance or questions along the application process, please call or email Director of Corporate Initiatives, Abbey Mackey at AMackey@extracobanks.com or 254-761-2130.

2023 Extrapreneur Competition Recap

2022 Extrapreneur Award Program