About Us

Locations & Office Hours

We have nine banking centers serving Central and Southern Illinois. 

Main Banking Center 228 South Main Street Waterloo, Il 62298
North Banking Center 744 North Market Street Waterloo, Il 62298
Columbia Banking Center 1421 North Main Street Columbia, Il 62236
Millstadt Banking Center 645 East Washington Street Millstadt, Il 62260
O'Fallon Banking Center 104 Regency Park O'Fallon, Il 62269
Lobby  Drive-Up 
Monday - Thursday 8:30am-4:30pm Monday-Wednesday 7:30am-5:00pm
Friday 8:30am-6:00pm Thursday 7:30am-5:30pm
Saturday 8:30am-Noon Friday 7:30am-6:00pm
    Saturday 7:30am-Noon

Walmart Banking Center 961 North Market Street Waterloo, Il 62298
Schnucks Banking Center 907 East Highway 50 O'Fallon, Il 62269
Monday - Thursday 9:00am-6:00pm
Friday 9:00am-7:00pm
Saturday 9:00am-4:00pm
Sunday 11:00am-4:00pm

Effingham Banking Center 210 East Fayette Effingham, Il 62401
Stewardson Banking Center 110 East Main Stewardson, Il 62463
Lobby  Drive-Up 
Monday - Thursday 8:30am-4:30pm Monday-Thursday 7:30am-5:00pm
Friday 8:30am-5:00pm Friday 7:30am-6:00pm
Saturday 8:30am-Noon Saturday 7:30am-Noon

Holiday Hours

First National Bank of Waterloo will be closed on the following observed holidays:

New Year's Day
Dr. Martin Luther King, Jr. Day*
President's Day*
Memorial Day
Independence Day
Labor Day
Columbus Day*
Veterans Day*
Thanksgiving Day
Christmas Day

*On these holidays our Walmart Banking Center and Schnucks Banking Center are Open!

Our ATMs are open 24/7!

Click Here for our 24-Hour ATM Locations.