📌 Table of Contents
- Introduction
- What Is a Routing Number?
- Why You Need the Routing Number for First National Bank in Texas
- First National Bank Routing Number – Texas
- How to Find Your Routing Number (All Methods)
- First National Bank of Texas – History and Overview
- Uses of Routing Numbers
- Difference Between Routing Numbers, SWIFT Codes, and Account Numbers
- Common Issues and Mistakes to Avoid
- FAQs
- Conclusion
✅ 1. Introduction
If you’re banking with First National Bank Routing Number in Texas: Everything You Need to Know in 2025 and trying to set up a direct deposit, wire transfer, or link your bank to an online app, you’ll need a critical 9-digit number: your routing number.
In this detailed guide, we’ll explore the First National Bank routing number in Texas, what it’s used for, how to find it, and why it matters in 2025 and beyond.
💡 2. What Is a Routing Number?
A routing number is a 9-digit code used to identify a financial institution in the U.S. banking system. It’s issued by the American Bankers Association (ABA) and is essential for:
- Direct deposits
- ACH transfers
- Wire transfers
- Bill payments
- Linking apps like PayPal, Cash App, and Venmo
🏦 3. Why You Need the Routing Number for First National Bank in Texas
If you’re banking with First National Bank Texas (FNB) or First Convenience Bank (a division of FNB), here are the common reasons you’ll need the routing number:
- Setting up payroll direct deposit
- Receiving IRS tax refunds
- Sending or receiving wire transfers
- Paying bills electronically
- Transferring money through apps
🔢 4. First National Bank Routing Number – Texas
For most account holders with First National Bank Texas, the routing number is:
111906271
📌 Routing Number Details:
| Bank Name | First National Bank Texas |
|---|---|
| ABA Routing Number | 111906271 |
| Branch Locations | Texas, New Mexico, Arizona |
| Type | Checking and savings accounts |
| Used For | ACH transfers, direct deposits, wire transfers |
Note: This routing number is also valid for First Convenience Bank, its division operating under the same charter.
🔍 5. How to Find Your Routing Number
There are multiple ways to find your First National Bank routing number in Texas:
📘 a. On a Check
At the bottom of your check:
- The first 9 digits = Routing Number
- The next digits = Account Number
- The last digits = Check Number
makefileCopyEdit|: 111906271 |: 123456789012 |: 0001
📲 b. Online Banking Portal
- Log into your online banking at www.1stnb.com
- Go to “Account Details”
- The routing number will be listed next to your account
📞 c. Call Customer Support
Call (254) 554-6699 or 1-800-677-9801 to speak with a representative who can verify your routing number.
🏦 d. Visit a Local Branch
Walk into any FNB branch in Texas and ask a teller for your routing number.
🧾 6. First National Bank of Texas – History and Overview
Founded in 1901, First National Bank Texas (FNB) has served Texans for over a century. Its branch network has expanded into:
- Texas
- New Mexico
- Arizona
The bank operates with a dual brand:
- First National Bank Texas for traditional banking
- First Convenience Bank for in-store branch locations (like inside Walmart)
With over 300 locations, FNB is a major player in the Southwest U.S. financial sector.
🔄 7. Uses of Routing Numbers
Your routing number is required for:
✅ a. Direct Deposit
For employers or government agencies to send payments straight to your account.
✅ b. Bill Payments
Used to set up recurring utility, loan, or credit card payments.
✅ c. Online Transfers
Linking with PayPal, Venmo, Zelle, etc.
✅ d. Wire Transfers
Used with additional details (like SWIFT code) for domestic/international transfers.
🆚 8. Routing Number vs. SWIFT Code vs. Account Number
| Element | Purpose | Format |
|---|---|---|
| Routing Number | Identifies your bank | 9 digits |
| SWIFT Code | Used for international transfers | 8–11 alphanumeric characters |
| Account Number | Identifies your personal account | 10–12 digits (varies by bank) |
FNB Texas does not have a SWIFT code because it does not typically handle international wire transfers directly.
⚠️ 9. Common Issues and Mistakes to Avoid
a. Using the Wrong Routing Number
Some banks have different routing numbers for wires vs. direct deposits. FNB uses 111906271 for both.
b. Using Old Checks
Routing numbers can occasionally change. Always verify if you’re using an old check.
c. Confusing Account and Routing Numbers
Make sure you’re entering the first 9 digits at the bottom of the check for the routing number—not the middle or last.
❓ 10. Frequently Asked Questions
Q1. Can I use the same routing number for all First National Bank Texas branches?
Yes. All locations under First National Bank Texas use 111906271.
Q2. Is First Convenience Bank routing number different?
No. It uses the same routing number as its parent, First National Bank Texas.
Q3. Can I use this routing number for PayPal and Venmo?
Yes. As long as you enter the correct account number and routing number.
Q4. Is the routing number the same for wire transfers?
Yes, FNB Texas uses 111906271 for both ACH and wire transfers.
Q5. Where is First National Bank Texas located?
Headquartered in Killeen, Texas, with branches across TX, NM, and AZ.
📊 11. Routing Number Usage Statistics (2025 Insight)
According to a 2025 report on digital banking in Texas:
- Over 92% of bank customers use their routing number monthly
- 65% of ACH failures are due to incorrect routing/account entries
- 33% of new bank app users require routing numbers to link services
