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Providing superior service combined with products designed to meet your financial needs, we offer our customers a wide variety of personal checking and savings accounts.

The First Checking Premium Account

So Many Features...with One Great Account!  It's Better than Free!

 Effective March 1, 2018

Get the most out of your money with a First Checking Premium Account!

•Pay No Non-Proprietary ATM Fees

•Identity Theft Protection from Ultimate ID™ Featuring 3-Bureau Credit Monitoring & More!

Even More benefits for no additional charge per calendar year:

•120 Checks •One Incoming Domestic Wire •One Replacement VISA Check Card

•One Overdraft Fee Waived per Calendar Year • and much more valued at over $130 in savings


We have teamed up with Benefits Plus® to give you even more perks with your Premium account!

•Cellular Care Coverage •Travel Benefits •& Many More Cash Back Rewards

All this and so much more for only $6.00 per month!


Other Checking Accounts

Your choices range from our popular, interest bearing First Checking account, which offers interest when the daily minimum balance is over $1,500, and waived service charging if you maintain a $500 average daily balance, for the monthly statement cycle, or choose to opt out of receiving a mailed statement.

For Customers who wish to receive a mailed monthly statement with images of their checks, the traditional Personal Checking account service charge is waived when an average daily balance of $500.00 is kept in the account during the monthly statement cycle.


Savings Accounts

Our savings account requires a $100 deposit to open, and offers customers a competitive rate of interest if a minimum balance of $2,000 is maintained each day. Children* up to age 16 receive the same benefits with an initial deposit of as little as $20.

Interest on  savings accounts is compounded daily and paid quarterly.

*A Parent or Guardian must have deposit account.


Health Savings Accounts (HSA)

Health Savings account allows individuals to pay for qualified out-of-pocket medical expenses using tax-free dollars.

Health Savings Account features include:

Earns interest

No minimum balance requirements

No monthly maintenance fees

Free HSA Debit card

Free HSA checks

Free Online Banking

Free electronic Bill Payment

For additional information about any of the above accounts or details on any of the other services we offer, give us a call at 815.434.0044 and you will be directed right away to one of our Customer Service Representatives.



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First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: The First National Bank of Ottawa – Northfield, The First National Bank of Ottawa – Plaza,The First National Bank of Ottawa – South, Morris National Bank & Trust, Streator National Bank, Yorkville National Bank & Trust, and American Commercial Bank & Trust.

First Ottawa Financial Services is a division of The First National Bank of Ottawa



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