About Us

Locations & Office Hours

We have seven banking centers serving the Monroe and St. Clair Counties. 

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-Friday 7:30am-6:00pm
Saturday 8:30am-Noon 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

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.