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  • First National Bank of Waterloo – Effingham Banking Center is one of 10 locations throughout Central and Southern Illinois.  Since 1912, First National Bank of Waterloo has been a lending leader in many communities.  Our team of banking 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 areas we serve.  Our Effingham Banking Center is located at 210 East Fayette in Effingham.  You can contact the bank by calling 217.342.3200 or visit us online at  Let us give you a reason to say “That’s MY Bank!”

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