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Online Banking

How do I sign up for FirstLink?

Please apply online through Online Banking or fill out the FirstLink Application. After you have read the FirstLink Disclosures, you may print out the Application and send it to us via:

Fax: 254-741-2212, or

Mail: P. O. Box 21809, Waco, Texas, 76702-1809

Once we have processed your form, we will mail your temporary password to the address we have on file. You may then access FirstLink by using the FCCU website, You will then enter your account number and your temporary password. You will immediately be prompted to change to a new password.

Once you have changed your password, you will be at the account summary screen and can make transfers, see account history, etc.

How Do I Sign up for Bill Pay?

In order to qualify for our FREE bill payer service, you must have a checking account at First Central. You will then need to establish a password and have access to your accounts online through FirstLink. After you have logged on to your account via FirstLink, click on the "bill payer" tab. You will then be prompted to enter your account choice and bill information in order to set up your payments.

Remember: This is a FREE service. You have the ability to set up a one time, or regularly recurring bill payment. It's as easy as that! See a demonstration of our bill payer service before logging onto your account. If you have any other questions about this service, please call 1-866-875-9233.

What is my FirstLink password?

Your FirstLink password is an alpha-numeric, case sensitive password. If, for some reason, you have forgotten your password, please contact a Member Services representative at 254-776-9333 immediately. We will then reset your password, allowing you to follow the previously mentioned procedures for establishing your own password.

ATM Access

Where is the nearest surcharge-free ATM?

9101 Chapel Road          Waco, TX 76710
6201 Sanger Avenue        Waco, TX 76710
305 Coke Street            Hillsboro, TX 76645

Mid-Tex CU
3808 Hwy 377 S    Brownwood, TX 76801

7/11 Store
2016 W. Austin Ave  Brownwood, TX 76801

7/11 Store
5801 Woodway Dr. Woodway, TX 76712
7/11 Store
3801 4th Street Brownwood, TX 76801
7/11 Store
1501 Coggin Ave. Brownwood, TX 76081
7/11 Store
513 E Commerce St. Brownwood, TX 76801
7/11 Store
2600 LaSalle Ave.   Waco, TX 76706
7/11 Store
1406 Corsicana Hwy. Hillsboro, TX 76645
7/11 Store
1500 E Corsicana Hwy Hillsboro, TX 76645

What is the difference between an ATM card and a check (debit) card?

The MasterMoney Card looks like a credit card, but works like a check. Instead of using your charge cards, paying with cash, or writing checks, you can use your MasterMoney Card to make purchases or obtain cash withdrawals wherever credit cards are accepted around the world. Cash withdrawals through MasterMoney Card are obtained through ATMs (Automated Teller Machines) and financial institutions worldwide.

Use the ATM locator to find free ATMs that service First Central Credit Union members.

The MasterMoney Card functions as an ATM card. If you currently have an ATM card, you can destroy that card when you receive your Visa Debit Card and PIN.

Membership/About us

Who is eligible to join First Central Credit Union?

Read our Membership Information page.

What are First Central's hours of operation?

See our Locations and Hours page.

Where is the Credit Union located?

See our Locations and Hours page.

What is the credit Union's toll free number?

Our toll-free number is 800.780.7101

What is the Credit Union's routing number?

Our routing number is 311990045.

Convenience Services

How do I report a lost or stolen credit card?

Call Lost/Stolen: (800) 682-6075.

How do I change my address?

Fill out this change of address form.

Does the Credit Union provide notary services?

Notary Services: $6.00 per page

$1.00 per additional signature

(If savings balance is below $200 and no other relationship exists, if other relationship is a checking account, must have 5 check or 5 debit card transactions to avoid fee)

How do I initiate a wire transfer to or from my account?

Fill out and submit the wire transfer agreement form.

I would like to set up direct deposit of my paycheck. What information do I need to provide to my payroll department?

Fill out and submit the direct deposit signup form.

Does the credit union provide safe deposit boxes?

Safe deposit boxes are available at our Chapel Road, Hillsboro and Brownwood branches.

Annual rental fees are:

  • $17.50 for 3 x 5 box
  • $25.00 for 3 x 10 box
  • $35.00 for 5 x 10 box
  • $55.00 for 10 x 10 box
  • Key Deposit $20.00
  • Lost Key $10.00

Note: The contents of Safe Deposit Boxes are not insured by NCUA.

Loan Accounts

What are your current loan rates?

Check out our rates page.

How do I apply for a loan online?

Visit loans and credit to find the loan you want to apply for.

Deposit Accounts

What are your current investment rates?

See our rates page.

What is the minimum balance required to avoid a monthly service charge in my checking account?

Different accounts have different requirements. See our checking accounts to find out details.

How do I order checks?

You can easily order your checks online.

How do I get a copy of a check I've written?

You may view images of checks through online banking.