First National Bank of Central Texas
First National Bank of Central Texas supports FedNow, RTP, and Zelle.
Waco, TX · FDIC Cert #3325
Also known as FNBCT
https://fnbct.com1835 N Valley Mills Dr, Waco, TX, 76710
Contact info sourced from FDIC BankFind. Directory data last synced July 28, 2026. See methodology.
- Community confirmations
- 0
- Community confirmations
- 0
- Source
- Zelle's partner directory
- Community confirmations
- 0
Zelle's own directory is known to be incomplete, so a missing badge doesn't necessarily mean a bank lacks support.
Submit Route Report
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Report early direct deposit
Did a paycheck or benefit show up early at First National Bank of Central Texas?
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Sending from First National Bank of Central Texas
Rails observed when First National Bank of Central Texas was the sending bank.
No sending reports yet for First National Bank of Central Texas. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into First National Bank of Central Texas
Rails observed when First National Bank of Central Texas was the receiving bank.
No receiving reports yet for First National Bank of Central Texas. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Similar institutions
Other banks in TX.
- Charles Schwab Bank, SSB · Westlake
- Frost Bank · San Antonio
- Prosperity Bank · El Campo
- Texas Capital Bank · Dallas
- Charles Schwab Premier Bank, SSB · Westlake
Frequently asked questions
Does First National Bank of Central Texas support FedNow?
Yes. First National Bank of Central Texas appears in Federal Reserve's FedNow participant list, confirmed July 18, 2026.
Does First National Bank of Central Texas support RTP?
Yes. First National Bank of Central Texas appears in The Clearing House's RTP participant list, confirmed July 18, 2026.
Does First National Bank of Central Texas support Zelle?
Yes. First National Bank of Central Texas appears in Zelle's partner directory, confirmed July 18, 2026. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does First National Bank of Central Texas have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for First National Bank of Central Texas yet.