Personal Checking Accounts

Your money. Your options. Your freedom.

Explore Checking Accounts
Personal Checking

Your checking account should meet you where you are, and help you get to where you’re going. We designed our accounts to meet your needs at every stage of life. From low-fees to high interest rates, digital tools to first-class service, we’ve got your checking covered.

Open An Account

It’s easy to open your new FNBCT account, just like banking should be.

Let's Get Started
Zelle logo
Move money with Zelle®

We’re excited to offer Zelle — a great way to send money instantly to almost anyone you know and trust with a bank account in the United States.

Mobile Check Deposit

No time to stand in line? Deposit your check with your camera through the First Mobile banking app on your phone. It’s free, easy, and secure.

Control Your Cards

Deactivate your card when you lose it, reactivate it when you find it. The SecurLOCK Equip app lets you control how your FNBCT debit card is used.

Let's get started
Having trouble finding what you’re looking for? We can help you get started!
Getting Started
Enjoy mobile banking freedom.

With the First Mobile app, you can handle your banking in the moment — standing in line, waiting for your coffee, on vacation, anywhere, anytime.

*Cell carrier’s messaging and data rates apply.

See Mobile Banking
FNBCT App Screen One
FNBCT App Screen Two - Transfers
FNBCT App Login screen
FNBCT App Screen - Bill Payments
FNBCT App Screen Login Two

Earn even more interest with our Money Market checking.

Our tiered Money Market checking accounts increase your interest rates as your balance grows.

First Money Market Checking

safe illustration

Buying a home is always a big step. Our team makes it simple.

We’ll help you understand your options and choose the mortgage that’s right for you and your future. 

See Mortgage Loans

Mother and son cooking with produce
Open Your Account

It’s easy to open your new FNBCT checking account, just like banking should be.

Let's Get Started +
Find a Branch or ATM

We’d like to visit with you, and find the best solution to meet your needs.

Find a Location +
Ask Us a Question

We’re available to answer your questions and resolve issues with your account.

Contact Us +

Please be advised that you are leaving the First National Bank of Central Texas website. We do not endorse or control the content of third party websites.