Routing number 111906271 belongs to First National Bank Texas in Killeen, Texas. For ACH transfers in 2026, use routing number 104000016 instead.
What’s happening behind the scenes?
Routing number 111906271 is registered to First National Bank Texas in Killeen.
This number’s been tied to First National Bank Texas since June 2016—that’s straight from the Federal Reserve’s official directoryFederal Reserve. Routing numbers aren’t one-size-fits-all. ACH transfers, wire transfers, and paper checks all need different numbers. First National Bank Texas, for instance, uses 104000016 for ACH transactions, while 111906271 shows up on checks. (Honestly, this is where most mix-ups happen.) Use the wrong one, and you’ll face delays or straight-up rejections.
How do I figure out which routing number to use?
Use routing number 104000016 for ACH transfers and 111906271 for checks.
The number you need depends entirely on what you’re doing. Need to set up direct deposit or pay a bill online? That’s an ACH transfer, so grab 104000016. Writing a check? Then you’ll use 111906271. Slip up here, and payments can bounce or get lost in the void. Always double-check which one fits your transaction.
What’s the step-by-step process to get this right?
Confirm the bank, transaction type, and routing number before sending money.
- Confirm the bank and branch: Routing number 111906271 is locked to First National Bank Texas in Killeen, Texas. Make sure that’s where you’re sending your money.
- Use the correct routing number for ACH transfers: For ACH transfers—like setting up direct deposit or paying bills—use 104000016. That’s First National Bank Texas’s ACH routing number as of 2026.
- Locate the routing number on a check: Got a First National Bank Texas check handy? The routing number’s the first nine digits at the bottom left. Right next to it is your account number, followed by the check number.
- Verify through online banking or customer service: Log in to your First National Bank Texas online banking account and peek under “Account Details” for your ACH routing number. Need help? Call the bank at 800-642-0014 (as of 2026) and ask about your specific transaction type.
What if this doesn’t work?
Check the Federal Reserve’s routing directory or ask the recipient for the correct number.
- Confirm multiple routing numbers: Big banks juggle different numbers for wire transfers, ACH transfers, and even state-specific accounts. Make sure you’re not grabbing the wrong one.
- Use the Federal Reserve’s directory: Head to the Federal Reserve’s official routing number directoryFederal Reserve to verify either 111906271 or 104000016.
- Ask the recipient directly: Sending money to someone else’s account? Get the correct routing number from them based on the transaction type (like wire vs. ACH).
How can I prevent this problem in the future?
Bookmark the bank’s routing page and always confirm the transaction type.
- Save the bank’s routing page: First National Bank Texas keeps updated routing numbers under “Routing Numbers” or “Resources” on its site. Bookmark it—no more scrambling later.
- Use the table below to match transaction types with routing numbers:
| Transaction Type | Routing Number to Use |
|---|---|
| ACH Transfers | 104000016 |
| Domestic Wire Transfers | Call bank for specific wire number |
| Checks | 111906271 (bottom left of check) |
Always verify with your bank or the recipient before hitting send. A wrong routing number can tank your payment—easy to avoid with a quick check.
What’s the actual problem here?
You’re using routing number 111906271 for an ACH transfer, but you need 104000016.
Routing number 111906271 is strictly for checks and belongs to First National Bank Texas in Killeen, TX. For ACH transfers, you must use 104000016. Use the wrong one, and your transaction can fail or get stuck. Match the number to the transaction type—every time.
How do I actually fix this issue?
Replace 111906271 with 104000016 for your ACH transfer and verify the details.
- Locate the ACH routing number: Plug in 104000016 as your routing number for the ACH transfer. That’s how the money finds the right account.
- Double-check the account number: Even with the right routing number, a typo in the account number can send funds to the wrong place. Verify the full 10-17 digit account number from your bank.
- Confirm with the recipient: Sending money to another person or business? Get their account details straight from them. This step stops errors before they start.
- Submit the corrected transfer: Update your ACH transfer with the right routing and account numbers, then resubmit. Check your online banking for confirmation that it went through.
What if this still doesn’t work?
Contact First National Bank Texas customer service at 800-642-0014 for wire-specific routing details.
- Call the bank’s wire transfer department: Wire transfers often need a different routing number than ACH transfers. Ask customer service for the correct wire routing number for First National Bank Texas.
- Ask the recipient for their bank’s routing number: Still hitting snags? Confirm with the recipient that the routing number you’re using is correct for their bank and transaction type.
- Try a different payment method: If delays keep happening, switch to something else—like a check or debit card—while you sort out the routing issue.
- Visit a branch in person: Need that wire transfer to go through ASAP? Stop by a First National Bank Texas branch. A banker can help straighten out the routing mess on the spot.
How can I stop this from happening again?
Always verify the routing number and transaction type before sending money.
- Use the bank’s routing number guide: First National Bank Texas posts a routing number guide on its website. Save it—you’ll thank yourself later.
- Set up payment templates: If you send the same type of transfers often (like rent payments), save the correct routing number in your bank’s payment templates. Fewer chances to slip up.
- Enable transaction alerts: Turn on email or text alerts for outgoing transfers in your online banking. Catches mistakes fast.
- Review your bank’s policies: Routing numbers can change. Check First National Bank Texas’s website or call customer service every few months to make sure your saved numbers are still good.
