First National Bank Texas Routing Number
Written by
Marc Guberti
Edited by
Melanie Grafil, MA, CHFC™
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A routing number is a 9-digit numbeIf you have an account with First National Bank Texas or plan to handle transactions with someone who does, you’ll need to know the bank’s routing number.
Every bank has a routing number, including First National Bank Texas. This number is required for any ACH or wire transfer.
First National Bank Texas Routing Number
First National Bank Texas makes it easy to know your routing number, as it’s the same for every state. Here’s First National Bank Texas’ routing number:
| First National Bank Texas Routing Number |
|---|
| 111906271 |
Where To Find a Bank’s Routing Number
You can find your bank’s routing number in several places. Your checkbook is a good place to start, as each individual check lists your routing number, bank account number, and check number, in that order. Your routing number will show up on the bottom left of your check.
However, you can still find your routing number if you don’t have a checkbook. This number should appear in your bank account statement, and you can also contact your bank’s customer support team and request it. At most financial institutions, you can hop on the phone for a quick response or wait for a representative to answer your email within 24 hours.
You can also visit a bank or credit union’s website to find the routing number. First National Bank Texas readily displays the routing number on its website, but there’s one more way to find your bank’s routing number. The Federal Reserve has a website called Fedwire, which allows you to find the routing number of any financial institution.
Routing Numbers vs. Swift Codes
Routing numbers assist with domestic transactions while a Swift code helps with international transactions. Swift codes identify an international bank and are also known as Bank Identification Codes. You can get away with not using a Swift code if you stick with domestic money transfers, but BICs may be necessary for international transactions.
Routing Numbers vs. IBANs
IBANs are another identification number used for international transactions, while routing numbers are the top choice for domestic money transfers. However, IBANs have a notable difference from Swift Codes. While Swift Codes help to identify a financial institution, IBANs identify the individual or business that is supposed to receive the payment. IBANs have been gaining popularity in Europe and are becoming widely adopted among international banks.
When You Will Need Your Routing Number
You will need a routing number to initiate money transfers and receive funds to your bank account. Your employer or client will need your routing number to enable direct deposit so you can get paid on time. A routing number is also involved for ACH and wire transfers.
Routing numbers also influence money management strategies. For instance, you need to set up your routing number with your brokerage firm to enable monthly automated investments into your favorite mutual fund, ETF, or stock. If you have bank accounts with different financial institutions, you will have to use the receiving account’s routing number to send payments.
ACH vs. Wire Transfers
The main differences between ACH and wire transfers are speed and cost. Wire transfers can arrive at a recipient’s bank account within a few hours, but ACH transfers can take multiple business days to arrive. Even though wire transfers arrive sooner, most people opt for ACH transfers. That’s because ACH transfers are free, while domestic wire transfers can cost as much as $50.
It’s best for people to avoid incurring wire transfer fees and instead wait for the ACH transfer to go through. However, if you have to initiate a wire transfer, First National Bank Texas is a competitive option. Domestic outgoing wire transfers have a $50 fee, while an international outgoing wire transfer will incur a $45 fee from the bank. Wire transfers are only good for urgent matters, but ACH transfers typically arrive with enough time to cover bills.
Why Some Banks Only Have One Routing Number
It’s common for big banks like Citibank and Chase to have multiple routing numbers. Customers receive a routing number based on their state and region. However, smaller financial institutions only have one routing number that applies to every customer.
First National Bank Texas has more than 340 locations in Texas, Arizona, Arkansas, and New Mexico. While the bank is larger than many financial institutions, it’s still not as big as the heavyweights that have thousands of branches. The company’s relatively small presence compared to the giants, plus its concentration in four U.S. states, are major reasons why the bank only has one routing number.
Information is accurate as of Sept. 18, 2024.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
