FNCTUS44 is a BIC / SWIFT code of FIRST NATIONAL BANK OF CENTRAL TEXAS. Here you can find an address, list of currencies, correspondent relations and recommendations on how to send SWIFT transfers to this bank.
Address: 1 1835 N. VALLEY MILLS DRIVE WACO, 76710 UNITED STATES OF AMERICA
, WACO UNITED STATES OF AMERICA (USA)
FIRST NATIONAL BANK OF CENTRAL TEXAS Information
SWIFT/BIC Code
FNCTUS44
SWIFT/BIC Code (8 characters)
FNCTUS44
Branch Code
Country
UNITED STATES OF AMERICA (USA)
Local Currency
TARGET2
No
Always check with your bank or recipient directly if you are planning on sending money. If you believe you made a mistake in a SWIFT code, you can ask your bank to recall the payment.
SWIFT Code FNCTUS44 Explained:
SWIFT code is required to send an international money transfer over SWIFT (international wire transfer).
Normally, you can use first 8 symbols (FNCTUS44) without branch code for a SWIFT funds transfer, however we recommend to double check with FIRST NATIONAL BANK OF CENTRAL TEXAS.
Most of the time, banks rely on their own or centralized reference data (SWIFTref), so you can send SWIFT payments to FIRST NATIONAL BANK OF CENTRAL TEXAS without specifying correspondent banks, however if you would like to manually choose one you can order information about FNCTUS44 correspondent banks or request it from the customer service of FIRST NATIONAL BANK OF CENTRAL TEXAS.
Payment Tracking
In order to track a SWIFT cross-border payment to/from FIRST NATIONAL BANK OF CENTRAL TEXAS you need an UETR code, Reference #, Amount Value, Payment Date and a Currency. Usually you can find all this info in a MT103 form.
Yes. FNCTUS44 is the SWIFT/BIC code of FIRST NATIONAL BANK OF CENTRAL TEXAS in UNITED STATES OF AMERICA (USA). It follows the ISO 9362 format and is used to route international (SWIFT) wire transfers to this institution.
Can I use the 8-character code FNCTUS44?
In most cases, yes. The 8-character code FNCTUS44 refers to the head office, while the optional last three characters (XXX) identify a specific branch. We recommend confirming the exact code with FIRST NATIONAL BANK OF CENTRAL TEXAS or the sending bank.
How do I send a payment to FIRST NATIONAL BANK OF CENTRAL TEXAS?
Provide the beneficiary account number or IBAN together with the SWIFT/BIC code FNCTUS44 to your bank. To track the resulting cross-border payment you will need the UETR, which appears on the MT103 confirmation.
This record is aligned with the ISO 9362 BIC directory maintained by SWIFT — the ISO-appointed Registration Authority — and is refreshed on a monthly cycle. Last updated December 2025.
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The registrations of SWIFT codes are handled by Society for Worldwide Interbank Financial Telecommunication (SWIFT) and their headquarters is located in La Hulpe, Belgium. SWIFT is the registered trademark of S.W.I.F.T. SCRL with a registered address at Avenue Adèle 1, B-1310 La Hulpe, Belgium. We are not in any way affiliated with S.W.I.F.T. SCRL.
