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About FNB
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Welcome to First National Bank of Bosque County!
First National Bank of Bosque County has four offices located in Central Texas -- Clifton, Meridian, Valley Mills, and Waco. The Bank was established in 1908 and primarily serves Bosque County and western McLennan County with an emphasis on the areas surrounding Clifton, China Spring, Crawford, Cranfills Gap, Iredell, Meridian, Morgan, Speegleville, and Valley Mills.
Consumer Credit Application
Click the icon on the left to download a consumer loan application. After you have completed the application, you can fax it to a loan officer of your choice or bring it to the location that is most convenient to you. This form requires Adobe Reader.
Download Self Service Forms
Click the icon on the left to see a list of self service forms that are available for you to download. These forms require Adobe Reader.
ATM Locations
Click the icon on the left to see a list of our no-charge ATMs. All of our ATMs offer drive up access and are available 24 hours a day, 7 days a week.
Credit Card Information
If you have a Visa or MasterCard from the Card Service Center with our name on it, you can access your account here. (Note: Debit card information is available through Internet Banking.)
Personal Banking Services
As a locally owned community bank we can offer you the personal service and flexibility that are not possible with larger banks while offering the products and services that you need.
Different types for different needs.
Loan decisions are always made locally, so you can get an answer when you need it. We can help you with vehicle loans, home loans, home equity loans, and more. Contact one of our loan officers to see how we can help you.
Better banking starts with better checking.
We offer several different checking accounts to suit your needs and preferences. All of our accounts feature easy to understand pricing with no hidden fees or surprises.
Choose how you want to save.
We offer savings accounts, money market accounts, Certificates of Deposit, and IRAs all designed to help you save money.
The convenient way to pay.
Our Visa debit card is convenient, lets you make faster payments, shows merchant detail on your statement, and shows in real time on your account as soon as the merchant sends us the information.
Pay your bills online.
Our online bill payment service lets you pay anyone quickly and easily with just a few clicks of your mouse. Our user friendly interface is easy to use so you can get started quickly.
Safe, speedy, and secure.
It's the safe and secure solution to receiving statements in the mail. And it's fast, too. You'll receive your eStatement days earlier than a traditional paper statement. Plus we store them for you -- for up to seven years!
Other Services
We have other services that may be of benefit to you. These include:
Safe Deposit Boxes
Wire Transfers
Money Orders
Foreign currency

Prewards® are coupons on your debit card. Receive discounts at merchant locations without having to clip coupons or remember redemption codes! Click here for more.
Business Banking Services
As a locally owned community bank we can offer your business the personal service and flexibility that you may not find with larger banks. We offer services to fit home-based businesses, small businesses, and larger commercial businesses.
Different types for different needs
Loan decisions are always made locally, so you can get an answer when you need it. Our comfortable size does not limit our expertise or financial resources -- we have the capacity to serve the needs of most small to medium sized businesses in our communities
Better banking starts with better checking
We offer several different checking accounts to fit the size and complexity of your business. Our Commercial checking is for those that need heavy cash services and our Basic Business account fits most everyone else.
Pay your bills and your employees online
Our online bill payment service lets your business pay anyone quickly and easily -- which can also help your cash flow. Our user friendly interface is easy to use and you can also use the service to direct deposit your payroll.
Allow your customers to use credit & debit cards
We offer merchant credit card processing that's easy and affordable. We also have the equipment that you need at reasonable prices. Our program lets you accept Visa and MasterCard, with options for Discover and American Express.
with Visa Savings Edge
Our Visa debit card for businesses lets you make faster payments, shows merchant detail on your statement, offers higher limits than our consumer card, and gives you rebates from many merchants through the Visa Savings Edge program.
Safe, speedy, and secure.
It's the safe and secure solution to receiving statements in the mail. And it's fast, too. You'll receive your eStatement days earlier than a traditional paper statement. Plus we store them for you -- for up to seven years!
Other Services
We have other services that may be of benefit to you. These include:
Safe Deposit Boxes
Wire Transfers
Money Orders
Foreign currency
Clifton
Street Address: 1203 N. Avenue G, Clifton, TX 76634 (map)
Mailing Address: PO Box 73, Clifton, TX 76634
Telephone: 254-675-6570; Fax 254-675-6451
Hours: Lobby - 9:00 AM to 2:00 PM M-F
Drive Thru - 8:00 AM to 4:00 PM M-Th
8:00 AM to 5:00 PM Friday
Meridian
Street Address: 115 S. Main Street, Meridian, TX 76665 (map)
Mailing Address: PO Box 696, Meridian, TX 76665
Telephone: 254-435-6100; Fax 254-435-6085
Hours: Lobby - 9:00 AM to 4:00 PM M-F
Ranch House
Street Address: 8213 N. Highway 6, Waco, TX 76712 (map)
Mailing Address: same
Telephone: 254-848-4777; Fax 254-848-4310
Hours: Lobby - 9:00 AM to 4:00 PM M-Th
9:00 AM to 6:00 PM Friday
Drive Thru - 9:00 AM to 6:00 PM M-F
Valley Mills
Street Address: 418 Avenue C, Valley Mills, TX 76689 (map)
Mailing Address: PO Box 278, Valley Mills, TX 76689
Telephone: 254-932-5345; Fax 254-932-5207
Hours: Lobby - 9:00 AM to 2:00 PM M-F
Drive Thru - 8:30 AM to 4:00 PM M-F
Contacts
The following information lists functions at each branch along with the responsible individuals as well as the branch phone number. You will also find phone numbers for lost debit cards, automated debit card PIN changes, and our Customer Line automated telephone banking system. For detailed branch information, please see the Locations tab.
Valley Mills
Telephone: 254-932-5345
Fax: 254-932-5207
Loans: Micah Boles, J. Mark Gibson, Jose Picon
Accounts: Coke Gibbs, Kari Witte
Bookkeeping: Dawn Underwood, Kari Witte
Wire Transfers: Coke Gibbs
ACH: Dawn Underwood, Kari Witte
Debit Cards
Lost Cards : Contact any Accounts person at any branch. After Hours call 1-800-528-2273
Automated PIN Change : 1-877-267-6913 or 1-513-534-2073
Customer Line
24 Hour Automated Information : 1-888-894-6913
Clifton
Telephone: 254-675-6570
Fax: 254-675-6451
Loans: Bryant Schuetz
Accounts: Debbie Young
Meridian
Telephone: 254-435-6100
Fax: 254-435-6085
Loans: Roger Parks
Accounts: Beth Poston
Ranch House
Telephone: 254-848-4777
Fax: 254-848-4310
Loans: Michael Sexton
Accounts: Danitta Witty
About First National Bank of Bosque County
First National Bank of Bosque County was organized in 1896, and received its National Charter in 1908.The main office of the Bank has been in the same location since that time.
Presidents of the Bank have been: Dr. W.T. McNeill, A.S. Tweedy, Roy Pool, James H. Sears, John Gilliam, Fern White, and J. Mark Gibson.
Owners of the Bank were originally Bosque County residents and ownership today is still held by long time Bosque County residents. The Bank has grown from $25,000 in total assets at its inception to over $100 million today. The Bank primarily serves Bosque County and western McLennan County with an emphasis on the cities of Clifton, China Spring, Crawford, Cranfills Gap, Iredell, Meridian, Morgan, Speegleville, and Valley Mills.
Directors
John Gilliam
J. Mark Gibson
Joe Hendirx
Olin Hudson
Jo Cash
Allison Gilliam
Officers
John Gilliam : Chairman of the Board
J. Mark Gibson : President and Chief Executive Officer
Micah Boles: Senior Vice President
Brent Rickels: Senior Vice President
Coke Gibbs: Vice President & Cashier
Aleene Hood: Vice President
Roger Parks: Vice President
Bryant Schuetz: Vice President
Zoe Sparks: Vice President
Jerry White: Vice President
© Copyright 1998 - 2012 First National Bank of Bosque County. All rights reserved. www.fnbbosque.com