Convenient Locations

Our convenient ATMs are accessible 24/7.  Click Here for our 24-Hour ATM Locations.

Main Banking Center

228 South Main Street
Waterloo, IL 62298

PO Box 507 Waterloo, IL 62298

618-939-6194

Main Banking Center
Lobby
8:30 am-4:30 pm - Monday to Thursday
8:30 am-6:00 pm - Friday
8:30 am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Wednesday
7:30am-5:30pm - Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

North Banking Center

744 North Market Street
Waterloo, IL 62298

PO Box 507 Waterloo, IL 62298

618-939-6195

North Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-6:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Wednesday
7:30am-5:30pm - Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

Walmart Banking Center

961 North Market Street
Waterloo, IL 62298

PO Box 507 Waterloo, IL 62298

618-939-6196

Walmart Banking Center
Lobby
9:00am-6:00pm - Monday to Thursday
9:00am-7:00pm - Friday
9:00am-4:00pm - Saturday
11:00am-4:00pm - Sunday

Columbia Banking Center

1421 North Main Street
Columbia, IL 62236

PO Box 497 Columbia, IL 62236

618-281-6194

Columbia Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-6:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Wednesday
7:30am-5:30pm - Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

Millstadt Banking Center

645 East Washington Street
Millstadt, IL 62260

PO Box 310 Millstadt, IL 62260

618-476-3334

Millstadt Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-6:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Wednesday
7:30am-5:30pm - Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

O'Fallon Banking Center

104 Regency Park
O'Fallon, IL 62269

PO Box 670 O’Fallon, IL 62269

618-632-1010

O'Fallon Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-6:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Wednesday
7:30am-5:30pm - Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

Schnucks Banking Center

907 East Highway 50
O'Fallon, IL 62269

PO Box 670 O’Fallon, IL 62269

618-622-1833

Schnucks Banking Center
Lobby
12:00pm-6:00pm - Monday to Thursday
10:00am-6:00pm - Friday
9:00am-4:00pm - Saturday
11:00am-4:00pm - Sunday

Dupo Banking Center

107 North 2nd Street
Dupo, IL 62239

PO Box 308 Dupo, IL 62239

618-601-1200

Dupo Banking Center
Lobby
8:00am-4:30pm - Monday to Thursday
8:00am-6:00pm - Friday
9:00am-12:00pm - Saturday
Drive-Up
7:30am-5:00pm - Monday to Thursday
7:30am-6:00pm - Friday
8:00am-12:00pm - Saturday

Smithton Banking Center

4053 State Route 159
Smithton, IL 62285

618-504-2400

Our newest banking center in Smithton, IL is NOW OPEN! Come on by and check out our newest banking center. We look forward to serving the Smithton community!

Smithton Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-6:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Wednesday
7:30am-5:30pm - Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

Effingham Banking Center

210 East Fayette
Effingham, IL 62401

217-342-3200

Effingham Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-5:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

Stewardson Banking Center

110 East Main
Stewardson, IL 62463

PO Box 68 Stewardson, IL 62463

217-682-3236

Stewardson Banking Center
Lobby
8:30am-4:30pm - Monday to Thursday
8:30am-5:00pm - Friday
8:30am-Noon - Saturday
Drive-Up
7:30am-5:00pm - Monday to Thursday
7:30am-6:00pm - Friday
7:30am-Noon - Saturday

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!