FNCTUS44 — FIRST NATIONAL BANK OF CENTRAL TEXAS
FNCTUS44 is the SWIFT/BIC code for FIRST NATIONAL BANK OF CENTRAL TEXAS in WACO, TX, United States — an 8-character head-office code under ISO 9362.
FNCTUS44 is the SWIFT/BIC code for FIRST NATIONAL BANK OF CENTRAL TEXAS in WACO, TX, United States. It is an 8-character head-office identifier under the ISO 9362 standard.
BIC breakdown (ISO 9362)
| Field | Value |
|---|---|
| Institution | FIRST NATIONAL BANK OF CENTRAL TEXAS |
| Country | United States (US) |
| Location Code | 44 |
| Branch | None |
| Type | 8-character head-office code (BIC8) |
⚠️ Critical Money Transfer Warning (YMYL)
Verify the BIC with your beneficiary bank: Database records are informational only. swiftbic.org is not affiliated with SWIFT. Always verify the SWIFT/BIC code and name of the beneficiary with the receiving bank or official registration records before initiating any international wire transfer.
Common Mistakes: Do not confuse the SWIFT/BIC code (identifies the bank branch) with the IBAN (identifies the specific bank account). Using an incorrect branch suffix or a deactivated code can result in payments being returned, delayed, or subject to significant administrative return fees.
Verify FNCTUS44 in the live lookup → · IBAN Validator & Checker → · SWIFT Guide →
Frequently asked questions
What bank does the SWIFT code FNCTUS44 belong to?
The SWIFT code FNCTUS44 identifies FIRST NATIONAL BANK OF CENTRAL TEXAS in WACO, TX, United States. This head office code is used for cross-border payments and SWIFT network routing.
What do the parts of the SWIFT code FNCTUS44 mean?
The 8 or 11 characters of FNCTUS44 are parsed as follows: characters 1-4 (FNCT) represent the bank code for FIRST NATIONAL BANK OF CENTRAL TEXAS; characters 5-6 (US) indicate the country code for United States; characters 7-8 (44) specify the location code; and the final characters (—) designate the specific branch.
Is the BIC code FNCTUS44 active on the SWIFT network?
Yes, the Business Identifier Code (BIC) FNCTUS44 is registered under ISO 9362 and is active for routing interbank messages. Location characters '44' designate it as a primary active participant.
Can I use the head office code FNCTUS44 instead of FNCTUS44?
Yes. The 8-character code FNCTUS44 represents the primary headquarters of FIRST NATIONAL BANK OF CENTRAL TEXAS. The 11-character code FNCTUS44 targets the head office directly. If the branch code is unknown, sending payments to FNCTUS44 (or FNCTUS44XXX) will route them to the main head office.
What is the physical address of the bank registered to FNCTUS44?
The physical address registered for FNCTUS44 is: 1835 VALLEY MILLS DRIVE, 76710, WACO, TX, United States. Verify this address matches your recipient's branch details before initiating a transaction.
What routing networks operate with the FNCTUS44 code in United States?
The SWIFT code FNCTUS44 is used for international inbound wire transfers in the United States. US domestic transfers use 9-digit ABA routing numbers for ACH and Fedwire.
Sources & References
- 🌐 ISO 9362: The official standard defining the Business Identifier Code (BIC) format guidelines.
- 🏢 SWIFT Registration Authority: The organization designated by ISO to register and publish BICs (swift.com).