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At American Commercial Bank & Trust, we offer a full range of Treasury Management Solutions to help you effectively manage your cash flow needs. Our solutions will assist you in:

  • Expediting the collection funds
  • Disbursing funds more efficiently
  • Managing funds effectively
  • Accessing Account Information timely and securely
  • Reducing the potential for fraudulent activity


We will work with you to find the Treasury Management solutions that best meet your needs. Our suite of solutions includes:

  • Online Banking (including Bill Pay) with advanced security features
  • ACH Origination via multiple methods
  • Wire Transfer Initiation in both US Dollars and Foreign Currencies
  • Remote Deposit Capture
  • Lockbox Services
  • Fraud Prevention Tools such as Positive Pay
  • Automated Sweep and Investment Accounts
  • Business Credit Cards
  • Credit Card Processing Services

Please contact us today so we can begin to assist you in developing a comprehensive Treasury Management program.

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Vice President - Treasury Management
Ph:  630.464.0461



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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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The First National Bank of Ottawa and its branches will close at Noon on Christmas Eve, December 24, 2019, and on New Year's Eve, December 31, 2019. To ensure timely transmission of ACH batches and Wire transfers over the holidays, please have all ACH batches with a December 26, 2019 or January 2, 2020 effective date submitted no later than 11:00 a.m. on December 24 and/or December 31, 2019. Wire transfers requests received after 11:00 a.m. on December 24, 2019 and/or December 31, 2019 will not be processed until the next business day. The Directors, Officers, and Employees of The First National Bank of Ottawa hope that you and your family have a safe and happy Holiday Season!