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

4.25% APY* CD

Open an 12-Month 4.25% APY* CD today to boost your savings and reach your financial goals!

*Annual Percentage Yield (APY). Rates accurate as of Jan. 15, 2025 and applies to 12-month Certificates of Deposit (CDs). Minimum to open: $1,000. Must maintain minimum balance of $1,000. APY and Annual Percentage Rate (APR) may change at the bank’s discretion. Fees may reduce earnings. Rates are subject to change. Early withdrawal penalties will/may be imposed on all CD terms.

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.

4.25% APY* CD

Open an 12-Month 4.25% APY* CD today to boost your savings and reach your financial goals!

*Annual Percentage Yield (APY). Rates accurate as of Jan. 15, 2025 and applies to 12-month Certificates of Deposit (CDs). Minimum to open: $1,000. Must maintain minimum balance of $1,000. APY and Annual Percentage Rate (APR) may change at the bank’s discretion. Fees may reduce earnings. Rates are subject to change. Early withdrawal penalties will/may be imposed on all CD terms.

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.
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.

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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.

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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.

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Find A Private Banker

Find an Advisor

Wealth & Trust Inquiry

Student Loan Options

Extraco Banks has partnered with Brazos Higher Education to offer Texas residents student loans with low rates, transparent pricing, and no fees, ensuring affordability and clarity for your education.

Graduate hugging father

Brazos Higher Education is Proud to Offer Loans for:

Undergraduate Degrees

Graduate Degrees

Veterinary School

Other Loan Options

Student Loan Refinancing

Benefits Include:

Save money - Refinancing student loans to a lower interest rate can add significant savings over the life of your loan
Zero fees - No origination fees, no prepayment penalties
One simple loan - Consolidate multiple federal and private student loans into one easy-to-manage loan
Choose your term - Customize your loan to fit your financial goals
Approval in minutes - Save time with a quick and easy online application

Parent/Grandparent Student Loans

Benefits Include:

Competitive rates - Brazos Higher Education offers competitive and transparent pricing
Zero fees - No origination fees, no prepayment penalties
Choose your term - Customize your loan to fit your financial goals
Graduate school financing - Parents may use this loan to finance the cost of a graduate degree
Approval in minutes - Save time with a quick and easy online application
Receive 0.50% back when you take the loan!

Quick Actions

Student Loan Blogs

MBA Student Loan Refi Pros and Cons

Refi A Student Loan?

College Financial Planning Tips

Important Disclosures and Information

Extraco Banks has a referral marketing relationship with the lender and will receive a referral fee for Brazos Loans funded as a result of that relationship. Student and parent/grandparent loans are provided by Brazos Higher Education and are not underwritten by Extraco Banks.