Extraco Banks $750–$1,500 Savings Bonus (11.5%–28.8% Effective APY) - 2026 Review
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- Bonus tiers
- $750 for a $5,000+ deposit
- $1,000 for a $15,001+ deposit
- $1,500 for a $25,001+ deposit
- Availability: TX
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 90 days
- Maintenance/hold period: 90 days
- Total practical hold: ~190 days
Bonus Tiers & Effective APY
Overview
Extraco Banks currently offers up to $1,500 through its savings promotion. The headline tier requires $25,001 and keeps the funds committed for roughly 190 days. That is approximately 11.5% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Fund the account inside the 90-day window, target the tier you can maintain comfortably, and keep the qualifying balance in place for the full 90-day maintenance period. Avoid moving the money until the reward posts.
How This Compares to Other Bonuses
Extraco Banks's $1,500 headline payout is closest to Capital One's $1,500 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current Extraco Banks promotion?
Extraco Banks currently offers up to $1,500. The headline requirement is $25,001 deposit held for about 180 days.
How much money is required for the Extraco Banks bonus?
The highest advertised payout currently requires $25,001. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 190 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Limited to Bell, Brazos, Coryell, Hamilton, Lampasas, McLennan, and Williamson counties in Texas. Prior customers may qualify after 12-month relationship gap. Loan-only customers qualify; employees with no deposit relationship do not qualify.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on November 8, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
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What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.