Convenient Locations

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

Main Banking Center

Main Banking Center

228 South Main Street
Waterloo, IL 62298

PO Box 507 Waterloo, IL 62298

Main Banking Center

618-939-6194

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

North Banking Center

744 North Market Street
Waterloo, IL 62298

PO Box 507 Waterloo, IL 62298

North Banking Center

618-939-6195

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

Columbia Banking Center

1421 North Main Street
Columbia, IL 62236

PO Box 497 Columbia, IL 62236

Columbia Banking Center

618-281-6194

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

Millstadt Banking Center

645 East Washington Street
Millstadt, IL 62260

PO Box 310 Millstadt, IL 62260

Millstadt Banking Center

618-476-3334

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

O'Fallon Banking Center

104 Regency Park
O'Fallon, IL 62269

PO Box 670 O’Fallon, IL 62269

O’Fallon Banking Center

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

Walmart Banking Center

961 North Market Street
Waterloo, IL 62298

PO Box 507 Waterloo, IL 62298

Walmart Banking Center

618-939-6196

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

Schnucks Banking Center

907 East Highway 50
O'Fallon, IL 62269

PO Box 670 O’Fallon, IL 62269

Schnucks Banking Center

618-622-1833

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

Effingham Banking Center

210 East Fayette
Effingham, IL 62401

Effingham Banking Center

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

Stewardson Banking Center

110 East Main
Stewardson, IL 62463

PO Box 68 Stewardson, IL 62463

Stewardson Banking Center

Lobby
Monday - Thursday 8:30am-4:30pm
Friday 8:30am-5:00pm
Saturday 8:30am-Noon
Drive-Up
Monday-Thursday 7:30am-5:00pm
Friday 7:30am-6:00pm
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!