What is a SWIFT code?

A SWIFT code (also called a BIC code) is an 8 or 11 character code that identifies a specific bank and branch for international wire transfers.

Verified🇺🇸 United States

FIRST NATIONAL BANK OF CENTRAL TEXAS SWIFT Code
United States · WACO, TX

Primary SWIFT / BIC Code

FNCTUS44

Short code (8-digit):FNCTUS44

Code Breakdown

FNCT

Bank Code

Identifies the bank institution

Country Code

ISO 3166-1 alpha-2: US

Location Code

City or regional hub

XXX

Branch Code

Primary head office

Institution Information

Institution Name	FIRST NATIONAL BANK OF CENTRAL TEXAS
Country Code	🇺🇸 United States
City	WACO, TX
Currency	USD

Frequently Asked Questions

What is the SWIFT code for FIRST NATIONAL BANK OF CENTRAL TEXAS?

The primary SWIFT/BIC code for FIRST NATIONAL BANK OF CENTRAL TEXAS in United States is FNCTUS44. Use FNCTUS44 for transfers to the head office.

How do I use the FIRST NATIONAL BANK OF CENTRAL TEXAS SWIFT code?

To send money to FIRST NATIONAL BANK OF CENTRAL TEXAS, enter the SWIFT code FNCTUS44 in your bank's international transfer form.

What is the difference between an 8-digit and 11-digit SWIFT code?

An 8-digit code identifies the bank's head office. An 11-digit code adds a 3-character branch identifier. If unsure, using the 8-digit code is usually safe.

Is this SWIFT code correct and up-to-date?

This data is sourced from publicly available banking registries and verified regularly. Always confirm the SWIFT code with your bank before initiating any transfer.

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Quick Summary

Primary CodeFNCTUS44

Institution NameFIRST NATIONAL BANK OF CENTRAL…

Country Code🇺🇸 United States

CurrencyUSD

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Transfer Security Guide

Complete these safety checks before initiating your international wire transfer:

Verify Recipient Bank Name

Ensure the target institution name matches the SWIFT code database record.

Check Branch Identifier (XXX or Branch Code)

Use XXX for the main headquarters. Enter the specific 3-digit branch code only if instructed by the recipient.

Confirm Target Currency & Intermediary Fees

Check if an intermediary bank is involved, which might deduct additional transfer fees.

⚠️ Please review and check all security steps.