Consumer Accounts

Checking & Savings

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!

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.


CDs & IRAs

Whether saving for a rainy day, that special vacation, or for retirement, we offer a variety of time deposit accounts designed with our customer’s needs in mind.

With as little as $1,000, our Certificate of Deposit allows you to earn a higher rate of interest than the traditional savings account. The interest you earn can be mailed to you, retained in the certificate, or transferred to your ACB & T checking or savings account.

Individual Retirement Accounts offer a disciplined method of saving for the future with tax benefits. We offer Traditional, Roth, Education, SEP, Simple and Qualified plans, with attractive terms and interest rates.

Call 815.434.0044 for our current CD and IRA rates


Health Savings Accounts (HSA)

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

HSA 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, contact us or give us a call at 815.434.0044 and you will be directed right away to one of our Customer Service Representatives.


Online Banking

Convenient, Safe and Secure.

Online Banking will help you manage your money and stay on top of your finances anywhere, anytime, with the ease of a few clicks of the mouse.  You can:

  • Check Balances
  • View Account Activity and Statements
  • Transfer Funds between accounts
  • Pay bills with Online BillPay (Online Banking must be established prior to adding this service)
  • Download account information into programs such as Quicken and Microsoft Money
  • Send secure messages to our customer service department

Call today at 815.434.0044 and one of our customer service representatives can get you signed up!

Mobile Banking App

Download The First National Bank of Ottawa mobile app.

Available for in the Apple App Store and Google Play Store.

  • Pay Bills Online
  • Transfer Funds
  • Get Alerts
  • View Balances & Transactions
  • Find the Nearest ATM and Branches

*Must have an active Online Banking Login to use the mobile app.

Text Banking

  • See Account Balances
  • View Transaction History

Text Banking Use text messaging (SMS) to:

Send HELP to 79680 for more information, send STOP to 79680 to opt-out

One text message per query. Message and Data rates may apply.

Click here for Text Banking Commands