A Message to Our Customers about COVID-19

At The First National Bank of Central Texas, the health of our employees and customers is our number one priority.

Open for Business

We’re conducting business at our drive-through locations. We are operating with a reduced, but talented, team who are ready to help you with your banking needs.

Drive-Thru Hours
Waco Banking Center
7:30am–6pm, Mon–Fri

Woodway-Hewitt Banking Center
7:30am–6pm, Mon–Fri

China Spring Banking Center
7:30am–6pm, Mon–Fri

Mart Banking Center
8am–6pm, Mon–Fri

Hillsboro Banking Center
8am–6pm, Mon–Fri

If you need to access your safe deposit box, you can let us know at the drive-through or you can call us at 254-772-9330.

We Want to Help

We’re Offering 60-day Deferrals on Loan Payments

We are proud to be a locally-owned bank whose mission is to provide unparalleled customer service. Our employees, officers, and shareholders have deep roots in this community. Many of us have lived here our entire lives. Everyone on our team knows someone who is being impacted economically due to COVID-19. So we believe that in these uncertain times we must continue to support our community and the people of our community.

That’s why we are offering all of our loan customers two-month (60-day) deferrals on their loan payments. There will be no fees involved in this deferral. We hope that two months of no loan payments will help give you a little peace of mind and help you keep some money in your pocket that can help your family or business.

If you are interested in talking with someone about the deferrals click here to send an email. A loan officer will contact you to see how we can be of assistance. We assure you this will be a quick and easy process.

We’re Waiving Overdraft Fees

Starting today (March 20) we will waive all overdraft fees for the next 30 days (through April 20).

These are difficult times. We don’t want extra fees to make things tougher. If you have any questions about these fees being waived, feel free to call us at 254-772-9330.

Self-Service Banking

We strongly encourage you to use FNBCT’s digital tools for self-service banking. We offer online banking and mobile banking free* to our customers. You can check your account balances, transfer funds, pay bills, and deposit checks with these services.

If you haven’t enrolled in online banking, we’ve made it easy for you: Enroll now. If you need assistance, please feel free to email or call us at 254-772-9330.

*Cellular messaging and data rates apply.


With our government’s accouterment that payments will be sent out to Americans, we thought it was a good idea to remind folks about some important things to know ahead of time. Unfortunately there are always scammers out there who will try to take advantage of you.

The government will not ask you to pay anything up front to get this money. This means no fees, no charges, etc.

The government will not call to ask for your Social Security number, bank account, or credit card number. Anyone who does is a scammer.

These reports of checks aren’t yet a reality. Anyone who tells you they can get you the money now (March 19) is a scammer.

Predict that the scammers are gearing up to take advantage of this. So, remember: no matter what this payment winds up being, only scammers will ask you to pay to get it. The FTC encourages you to keep up to date with the latest Coronavirus-related scams at www.ftc.gov/coronavirus.

Thank you for banking with FNBCT. We appreciate your support and patience.