First National Bank Of Waterloo at 645 E Washington St, Millstadt, IL 62260, offers an ATM service that is both reliable and user-friendly, making it a convenient stop for quick financial needs. The machine is located in an accessible area with good visibility, which enhances safety, especially for evening transactions. Ample parking near the branch adds another layer of convenience for customers who prefer drive-up accessibility.
In terms of performance, the ATM handles transactions swiftly, with most withdrawals and balance inquiries completed in less than a minute. It consistently provides multiple denomination options, which is a practical advantage compared to many standalone ATMs that only dispense larger bills. The machine accepts cards from major networks such as Visa, Mastercard, and regional credit unions, offering flexibility for different users.
A key strength of this ATM is its dependable uptime. Reports of outages or empty cash trays are rare, reflecting strong maintenance and oversight by the bank. Compared to nearby generic ATMs, the surcharge fees are lower or sometimes waived for network cards, making it cost-effective for frequent use. The main limitation is that the ATM is geared primarily toward withdrawals and basic balance checks, without deposit capabilities.
For those seeking consistent service, fair fees, and a secure environment, First National Bank Of Waterloo’s ATM stands out as a dependable choice.