Effingham Banking Center
The First National Bank of Waterloo has been a lending leader in local communities since 1912. Through our vast experience with lending solutions, our team of banking experts helps businesses flourish and residents’ dreams come true. Through our goals as a community bank, our customer-focused approach has set a standard for banking in the area. Our banking center in Effingham brings another customer-focused banking option to Central Illinois.
Located at 210 East Fayette in Effingham, we are a full service community bank. Visit us in person to experience firsthand what a hometown bank is all about or call us at 217-342-3200. We can help with any of your banking needs!
Meet Our Staff!
They are ready to meet you!
5-Star Rated by BauerFinancial, Inc.
Encouraging Words from Our Patrons
“I have my Commercial Business account with them. Everyone on staff is completely friendly! Cannot express how helpful they are as well. I’ve had to call in for help identifying a few transactions and they have been prompt with service and not at all made me feel like a burden.” ~ Kimberly B. – A month ago
“By far the best and easiest bank to work with! We bank with multiple banks as a business owner and highly recommend 1st National Bank of Waterloo! Dan Spickard and Russ Thomas are phenomenal as well as many others that I see weekly!” ~ Adam Linnemann