To set up direct deposit into a First Convenience Bank account, fill out the First Convenience Bank Direct Deposit Form with your name, the bank’s routing number (111906271), your account number, and your account type, then hand it to your employer’s payroll department. You can download the form from the bank’s direct deposit page at 1stnb.com or pick one up at any branch, most of which are inside Walmart, H-E-B, and Kroger stores across Texas, New Mexico, Arizona, and Arkansas.1First National Bank Texas / First Convenience Bank. Direct Deposit The same routing number works for every First Convenience Bank and First National Bank Texas account.
What to Have Ready Before You Start
You need three things: the routing number, your account number, and whether the account is checking or savings.
The routing number for all First Convenience Bank and First National Bank Texas accounts is 111906271.1First National Bank Texas / First Convenience Bank. Direct Deposit Your account number is unique to you and tells the payroll system which account to credit.
If you have personal checks, both numbers run along the bottom. The routing number sits on the far left, your account number is in the middle, and the check number is on the right. No checks? Log into online or mobile banking and open your account details.2First National Bank Texas / First Convenience Bank. Online and Mobile Banking You can also walk into any branch and ask a teller to print a deposit verification letter that confirms both numbers.
Confirm the account type too. The form asks whether the deposit goes to checking or savings, so know which one yours is before you start writing.
Filling Out the Universal Direct Deposit Form
Download the Universal Direct Deposit Form from the bank’s website or grab a paper copy at a branch.1First National Bank Texas / First Convenience Bank. Direct Deposit The layout is simple. The errors that cause the most trouble are small ones: a single transposed digit in an account number can bounce the deposit or send it to the wrong account.
Enter your name and address exactly as they appear on your bank account. Write in the routing number (111906271) and your account number, then mark checking or savings. The form also asks how much of each payment should go into this account. You have three options: the full amount, a fixed dollar amount, or a percentage of the total. If you want your entire paycheck in one account, choose the full-amount option and leave the split fields blank.
Print clearly. Payroll clerks often key this information by hand, and a “1” that looks like a “7” turns into weeks of back-and-forth. Before you hand the form over, compare every digit against your bank statement or online account summary.
Splitting Deposits Across Accounts
Many employers let you divide your pay between two or more accounts. Fixed-dollar splits work well when your pay is the same every period: $500 to savings, the rest to checking. Percentage splits hold the ratio steady when your hours vary. Not every employer supports both methods, and some cap the number of accounts you can split between, so check with payroll before filling out multiple forms.
When splitting, designate one account as the primary or “remainder” account. That account catches whatever is left after the fixed amounts or percentages are distributed. If a paycheck comes in smaller than expected and the fixed amounts would exceed it, most payroll systems default the whole deposit to the primary account rather than partially funding each one.
If You Don’t Have a Voided Check
Some employers ask for a voided check as proof of your account details. If your account doesn’t come with checks, you have alternatives. A printed bank statement showing your name, account number, and routing number works for many payroll departments. A direct deposit verification letter from a branch teller is a bank-issued document confirming the same information. A screenshot from your online banking dashboard showing both numbers is another option some employers accept, though policies vary.
Where to Submit the Form
Hand the completed form to your employer’s payroll or human resources department. Not to the bank. First Convenience Bank doesn’t start direct deposit on your end, because the sending organization is the one that programs the payment.
The Universal Direct Deposit Form is built for employer payroll. For a government benefit like Social Security, set up direct deposit through the Social Security Administration’s website or by calling the agency.3Social Security Administration. Direct Deposit For an IRS tax refund, enter your routing and account numbers on your tax return, or use Form 8888 to split the refund across accounts.4Internal Revenue Service. Get Your Refund Faster: Tell IRS to Direct Deposit Your Refund to One, Two, or Three Accounts
Keep a copy of the completed form. If a deposit goes missing weeks later, having your original makes it much easier to prove what account information you provided.
When Deposits Actually Start
Most employers don’t flip the switch immediately. Before your first real deposit, payroll typically runs a prenote, a tiny test transaction (often less than a dollar) sent through the Automated Clearing House network to verify your account information. The prenote cycle generally takes about ten days from when the clearinghouse receives it. During that window, you’ll get a paper check or your employer’s backup payment method.
Plan for one to two full pay cycles before electronic deposits begin. The first cycle covers prenote verification, and the second is usually your first live direct deposit. Some employers move faster, but planning for two cycles keeps you from being caught off guard.
Getting Paid Early
First Convenience Bank can make payroll direct deposits available up to three days before your official pay date.5First National Bank Texas / First Convenience Bank. There’s a Better Way to Do Payday! The timing depends on when your employer sends the deposit file to the bank; if the bank receives it early, you get your money early. There’s nothing to sign up for. The early access applies automatically when the deposit arrives ahead of schedule.
Active-duty military members have a separate early pay schedule, with specific dates published each year on the bank’s website.6First National Bank Texas / First Convenience Bank. Active Military Early Pay Dates Those dates can change, so check the page before counting on a particular day.
If a Deposit Doesn’t Arrive
Work through these steps before worrying:
- Check the calendar. Holidays and weekends shift deposit dates. A Friday payday that falls on a federal holiday may not hit until Monday, or may land the preceding Thursday if your employer sends files early.
- Confirm with your employer. Ask payroll whether the deposit was actually submitted. A run can get delayed, or your net pay may have come out to zero because of a deduction change like an increased retirement contribution.
- Verify your account details. If you recently changed banks or accounts, make sure the old information isn’t still on file. One wrong digit routes the deposit to someone else’s account or bounces it back.
- Check whether coworkers were paid. If they were and you weren’t, the problem is likely specific to your account, not a company-wide delay.
- Contact the bank. Call First Convenience Bank or visit a branch to see whether a pending deposit is in the system but hasn’t posted yet.
If the deposit was sent to the wrong account, your employer’s payroll department starts a trace through the ACH network to recover the funds. That can take several business days, so flag the problem as soon as you spot it.
Changing or Canceling Direct Deposit
To switch your direct deposit to a different account, whether at First Convenience Bank or another institution, fill out a new direct deposit form with the updated information and submit it to your employer. The FDIC recommends keeping your old account open until you’ve confirmed all pending deposits and automatic payments have cleared, because closing it too soon can trigger returned transactions and fees.7FDIC. Thinking About Moving to Another Bank
Monitor both accounts during the transition. One final deposit often lands in the old account after you’ve submitted the change, especially mid-cycle. Don’t close the old account until you’ve seen at least one full deposit land in the new one.
Protecting Your Information
Direct deposit fraud usually starts with someone tricking an employer into changing an employee’s banking details. Phishing emails that impersonate HR or payroll systems are the most common approach, linking to fake login pages built to capture your credentials. Never click links in unexpected emails asking you to verify or update your direct deposit information. Go to your employer’s payroll portal by typing the address yourself or using a bookmark.
Use a strong, unique password for your payroll self-service account and turn on two-factor authentication if your employer offers it. After each pay date, check that the deposit amount matches your pay stub. If a deposit is missing or wrong, contact HR and the bank the same day. Quick reporting gives the bank and the ACH network the best chance of recovering misdirected funds.