COVID-19 ATM/Branch Locator Fraud Protection Contact Us Business Banking Personal Banking Residential Lending About Login Commercial Lending Shareholder Relations Business Accounts Residential Lending Personal Banking Wealth Management About Us The First National Bank of Ottawa has marked over 150 years of innovation, bold initiative, and community leadership as an independent community bank. Learn More Commercial Lending Made Simple Learn more about our competitive loan options for our commercial customers. Commercial Lines of Credit Commercial Loans Commercial Construction and Development Loans Real Estate Loans Letters of Credit Learn More Residential Lending Services With our customer friendly mortgages, your dream of owning a home is easy. Our team of Residential Mortgage Lenders will help you establish a comfortable monthly payment at the lowest interest rate available to help with the purchase of your new home. Whether this is your first home, new construction or your current home, our team of lenders are ready to help you with your financing needs. Learn More Personal Banking The Way You Want It Providing superior service combined with products designed to meet your financial needs, we offer our clients a wide variety of accounts from personal checking and savings to IRA's, CD's and HSA's (Health Savings Accounts). Our Online Banking will help you manage your money and stay on top of your finances anywhere, anytime. Learn More Privacy Notice Accessibility Statement Careers Site Map Contact Us Error Resolution Community Reinvestment Act Bank Holidays First Ottawa Bancshares, Inc. is the parent company of American Commercial Bank & Trust and its Branches: The First National Bank of Ottawa, 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. E-MAIL NOTICE: Please be aware that Internet E-mail is not a secure means of transmitting information. Private information such as Account Numbers and Social Security Numbers should not be included in your E-mail. This website is provided as a source of general information and is not intended to be a direct solicitation of services. Full disclosures may be obtained by contacting any of our offices. Copyright © 2021, First Ottawa Bancshares, Inc. All Rights Reserved