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.

Money Market Savings
Use the extra cash your business has to start working toward your future savings goals with tiered interest rates.
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.
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.
Meet Our Insurance Team
Extraco Insurance agents can write insurance for everyone in the state of Texas.

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.

Private Banking

Check out our new, elevated banking experience for premier customers.

Quick Actions

Find A Private Banker

Find an Advisor

Wealth & Trust Inquiry

Extraco Banks | Waco: Downtown

Like us on Facebook

Branch photo of DT Waco

Lobby Hours

Monday: Lobby is temporarily closed. Please make an appointment to meet with a Relationship Banker.

Tuesday - Sunday: Closed

Drive-Thru Hours

Monday - Friday: 8:00 am - 5:30 pm

Saturday - Sunday: Closed

Branch Services

Handicapped Access

ATM Services

ATM Located Inside
Drive-up ATM (Open 24/7)

Location Address

605 S. University Parks Drive
Waco, TX 76705
United States

Chat With Us

About the Waco area

Located across the street from Baylor University's McLane Stadium, our Waco Downtown branch is in close proximity to several popular events, including Baylor's Homecoming Parade. If you need a place to park on game day, feel free to use our parking lot. And for HGTV fans, don't forget to stop by Magnolia Market at the Silos for shopping, games, and food. During the summer months, enjoy boating and kayaking on Lake Waco.

Waco Downtown ExtraBanker Announcement Video Teller

NEW ExtraBanker Video Teller

Try out the brand new video teller at Waco: Downtown. Video call a Relationship Banker and complete many of your everyday banking transactions– all with the convenience of an ATM.