Effingham, IL Banking Center
First National Bank of Waterloo has been a lending leader in southern Illinois communities since 1912. Our team of experts helps businesses flourish and residents’ dreams come true through our many lending solutions. As a community bank, that’s our goal, and our customer-focused approach has set a standard for banking in the area.
Our Effingham Banking Center is located at 210 East Fayette. It provides all of the services you would expect from a community bank. An ATM is also located at the banking center for your convenience.
Visit us in person to experience firsthand what a hometown bank is all about. Or, call us at 217.342.3200. We are here to help with any of your banking needs.
8:30am – 4:30pm – Monday to Thursday
8:30am – 6:00pm – Friday
8:30am – Noon – Saturday
7:30am – 5:00pm – Monday to Thursday
7:30am – 6:00pm – Friday
7:30am – Noon – Saturday
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