Best Banks in Waco, Texas | A Local Guide to Banking in Waco

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Whether you are moving to Waco, buying a home, starting a business, or simply looking for a bank that better fits your needs, choosing where to bank is an important decision. 

Waco is home to a strong mix of local and community-focused banks offering everything from everyday checking and savings accounts to mortgages, business banking, commercial lending and more.

If you are looking for a bank in Waco, here are several local options to know.

Here’s the List of Incredible Local Banks in Waco, Texas!

TFNB

TFNB-Waco
With a history in Central Texas dating back more than 130 years, TFNB has longstanding ties to the Waco area. The bank offers personal and business banking, lending and other financial services, with multiple locations serving the community.

Why We Like It: Its long history in the Waco area and range of personal and business services make TFNB a familiar name for many Central Texas families and businesses. 

First National Bank of Central Texas

First National Bank of Central Texas offers personal and business banking along with lending and digital banking services. Customers have access to features designed to make everyday banking convenient, from mobile deposits and transfers to online account management.

Why We Like It: It combines local banking relationships with many of the digital tools customers expect from a modern bank. 

Extraco Banks

Extraco-Bank
Extraco Banks offers personal banking, business banking, mortgages, lending and wealth management services. The bank also provides several ways for customers to manage their accounts and connect with its team digitally.

Why We Like It: Its broad range of services makes it an option for customers looking to keep several of their financial needs in one place. 

Community Bank & Trust

Community-Bank-and-Trust
Community Bank & Trust has served the Waco community since 1952. Its local history and relationship-focused approach have made it a longtime banking presence in Central Texas.

Why We Like It There is something valuable about working with a bank that knows the community it serves, particularly when you are buying a home, growing a business or making other major financial decisions. 

Alliance Bank Central Texas

Alliance Bank Central Texas offers personal and business banking, lending and other financial services to customers throughout the area.
Why We Like It: The bank pairs local service with convenient banking tools for individuals, families and businesses.  

American Bank

American Bank has been serving Waco and the surrounding area since 1952 and continues to emphasize face-to-face, relationship-based banking. With locations throughout the Waco area, including Downtown, Bellmead, Woodway and West Waco, customers have several convenient options for in-person banking.
The bank offers personal banking services as well as lending and business banking services.
Why We Like It: American Bank’s Waco history and emphasis on face-to-face banking give customers the opportunity to build an ongoing relationship with a local banking team.

Central National Bank

Central National Bank is an independent bank with two Waco locations, including Highway 84 and Central Tower on Bosque Boulevard. Its services include personal banking, business banking, real estate loans, business services, merchant services and mobile banking.
One feature that stands out is its After Hours Service, which gives customers access to a local person for assistance when traditional banking hours are over.
Why We Like It: Central National Bank combines local access with services for both personal and business customers, making it a useful resource whether you are managing everyday finances, purchasing real estate or growing a business.  

Finding the Right Bank in Waco

The best bank is not necessarily the same for everyone. Before opening an account or applying for a loan, consider what matters most to you.
Do you want a banker you can meet with in person? Are convenient branch locations important? Do you need a mortgage or construction loan? Are you a business owner who needs commercial lending, treasury services or merchant services? Or are mobile banking and digital tools at the top of your list?
A little research upfront can help you find a banking relationship that works not only for where you are today, but where you are headed next.
When you have the opportunity to work with businesses that invest in the Waco community, that is always worth considering.

Looking for more local resources?

Explore Modern Texas Living for our guides to Waco-area real estate, home services, restaurants, shopping, events and local businesses.

Make sure to tag us on social @moderntexaslivingwaco and share your favorite ways to make Waco home!

If you loved this list, make sure you snag our free PDF: The go-to guide for everything WACO, Texas! By Modern Texas living, Waco’s biggest fan!

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