Extraco Banks, National Association

Headquarters: Temple, Texas
Charter: Bank
Assets: $2.6B
Fed district: Dallas

18 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Extraco Banks, National Association: $7
Extraco Banks, National Association: $7
U.S. median: no median
Overdraft (OD)
Extraco Banks, National Association: $35
Extraco Banks, National Association: $35
U.S. median: no median
NSF / Returned Item
Extraco Banks, National Association: $35
Extraco Banks, National Association: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Extraco Banks, National Association’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$7
per month
Early Account Closure$35
Early Account Closure (by customer)$50
Consumer, Inactivity FeeNo charge
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Mail Delivery of Paper Statements$5
per month

Overdraft & NSF

Overdraft Fee$35
Overdraft fee (each time we pay an overdraft) (audience not stated, treated as personal)$35
per item
Overdraft Item Fee$35
per item
Return Item Fee/NSF Item Fee$35
Overdraft Protection Sweep Fee (per sweep)$10

ATM & Card

ATM Withdrawal, Transfer or Inquiry$2
Non-Network ATM (audience not stated, treated as personal)$2
Replacement CardNo charge

Wire Transfers

Wire Transfers – Outgoing Domestic$20
per item
Wire Transfers – Outgoing International$50
per item

Check Services

Cashiers checks are processed (audience not stated, treated as personal)$5
Stop Payment$35
Personalized Temporary Checks$8

Cash & Deposit

Deposited Item Returned$10
Night Depository Key (replacement)$5

Account Services

10x42 Locker$265
per year
4x10 (short boxes)$45
per year
Box Fees 15x59 Locker$265
per year
Box Fees 6x10$110
per year
Lost Key$40
Not compared: Box drilling or key fee
per item
Safe Deposit 4x10$70
per year
Safe Deposit Box 10x10 (audience not stated, treated as personal)$110
per year
Safe Deposit Box 10x15 (audience not stated, treated as personal)$110
per year
Safe Deposit Box 14x15$160
per year
Safe Deposit Box 14x15 (audience not stated, treated as personal)$160
per year
Safe Deposit Box 2x5 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 3x10 (audience not stated, treated as personal)$70
per year
Safe Deposit Box 3x5 (audience not stated, treated as personal)$45
per year
Safe Deposit Box 5x10$110
per year
Safe Deposit Box 5x10 (audience not stated, treated as personal)$110
per year
Safe Deposit Box 7x10 (audience not stated, treated as personal)$110
per year
Fees Legal Process$100

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$7	per month	None
Early Account Closure	$35	Not stated	None
Early Account Closure (by customer)	$50	Not stated	None
Consumer, Inactivity Fee	No charge	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mail Delivery of Paper Statements	$5	per month	None
Overdraft & NSF
Overdraft Fee	$35	Not stated	None
Overdraft fee (each time we pay an overdraft) (audience not stated, treated as personal)	$35	per item	None
Overdraft Item Fee	$35	per item	None
Return Item Fee/NSF Item Fee	$35	Not stated	None
Overdraft Protection Sweep Fee (per sweep)	$10	Not stated	None
ATM & Card
ATM Withdrawal, Transfer or Inquiry	$2	Not stated	None
Non-Network ATM (audience not stated, treated as personal)	$2	Not stated	None
Replacement Card	No charge	Not stated	None
Wire Transfers
Wire Transfers – Outgoing Domestic	$20	per item	None
Wire Transfers – Outgoing International	$50	per item	None
Check Services
Cashiers checks are processed (audience not stated, treated as personal)	$5	Not stated	None
Stop Payment	$35	Not stated	None
Personalized Temporary Checks	$8	Not stated	None
Cash & Deposit
Deposited Item Returned	$10	Not stated	None
Night Depository Key (replacement)	$5	Not stated	None
Account Services
10x42 Locker	$265	per year	None
4x10 (short boxes)	$45	per year	None
Box Fees 15x59 Locker	$265	per year	None
Box Fees 6x10	$110	per year	None
Lost Key	$40Not compared: Box drilling or key fee	per item	None
Safe Deposit 4x10	$70	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$110	per year	None
Safe Deposit Box 10x15 (audience not stated, treated as personal)	$110	per year	None
Safe Deposit Box 14x15	$160	per year	None
Safe Deposit Box 14x15 (audience not stated, treated as personal)	$160	per year	None
Safe Deposit Box 2x5 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$70	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$45	per year	None
Safe Deposit Box 5x10	$110	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$110	per year	None
Safe Deposit Box 7x10 (audience not stated, treated as personal)	$110	per year	None
Fees Legal Process	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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