Important Information

¹ New Checking Account Incentive:

Offer available for eligible customers who open an Easy Checking, Premier Plus or Private Bank Checking account between September 16, 2026 and January 31, 2027. A prior Extraco customer may qualify subject to the promotion's 12-month relationship eligibility requirements. Loan-only customers with no deposit relationship qualify for the New Checking Account Incentive. Employees with no deposit relationship do not qualify. Offer valid only in Extraco Banks operating counties. Account opening is subject to approval and applicable account terms.

Bonus Amount:

Eligible customers may earn a $750 bonus with $5,000–$15,000 in qualifying new money, a $1,000 bonus with $15,001–$25,000 in qualifying new money or a $1,500 bonus with $25,001 or more in qualifying new money. Only one new-account incentive applies to a qualifying checking account, including a jointly owned account.

Qualifying New Money:

New money must originate from outside Extraco Banks. Funds transferred from an existing Extraco deposit account, proceeds from an Extraco loan, person-to-person transfers or internal account transfers do not qualify as new money.

Qualification Requirements:

Within 90 days of account opening, the customer must: (1) maintain the applicable minimum current balance requirement described above and (2) receive two qualifying ACH direct deposits totaling at least $5,000.

Bonus Payment:

The bonus will be credited to the qualifying account within 15 days after the promotion ends, provided all applicable promotion requirements have been met.

The account holder must maintain the account in an open and satisfactory status for no less than 180 days. Extraco Banks reserves the right to revoke, charge back or recover any bonus payment awarded under this promotion, in its sole discretion and to the fullest extent permitted by applicable law.

Refer-a-Friend:

If applicable, an eligible existing customer may receive a $250 referral bonus and the referred new customer may receive a $250 referral bonus after the customer meets applicable checking relationship requirements. A referred customer who qualifies for both the New Checking Account Incentive and the Refer-a-Friend incentive will receive the greater applicable bonus, but not both. Additional Refer-a-Friend terms and eligibility requirements apply.

Annual Percentage Yield:

Easy Checking: 0.01% APY on balances greater than or equal to $5,000.00. Minimum amount to open is $100. Interest Rate/APY can change without notice at any time and at the Bank's discretion. A $7 monthly service fee applies unless a qualifying waiver condition is met.

Premier Plus Checking: Daily balance up to $15,000.99: 1.25% APY; daily balance $15,001.00 up to $50,000.99: 1.25% APY; daily balance $50,001 and over: 0.01% APY. The APY will range from 0.01% to 1.25% depending on account balance. There is no minimum amount to open and no monthly service fee. Interest Rate/APY can change without notice at any time and at the Bank's discretion.

Private Bank Checking: Daily balance up to $15,000.99: 1.50% APY; daily balance $15,001.00 up to $50,000.99: 1.50% APY; daily balance $50,001 and over: 0.01% APY. The APY will range from 0.01% to 1.50% depending on account balance. There is no minimum amount to open and no monthly service fee. Interest Rate/APY can change without notice at any time and at the Bank's discretion.

APYs accurate as of October 3, 2026.

Bonus may constitute taxable interest and may be reported to the IRS as required by law. Consult your tax advisor regarding your individual circumstances.

Offer subject to all applicable account agreements, eligibility requirements and promotion terms. Extraco Banks reserves the right to modify or discontinue this offer as permitted by law.

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