Whether you have personal or business financial needs, our skilled customer service represenatives are standing by to offer solutions. Contact us by email, phone, U.S. mail, or our contact form.


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This is for general inquiries only; do not include private personal information in your email.


Secure Message Center

To send a secure message, please log into your Online Banking Account and send through the message center.

To Reach Customer Service

Monday - Friday: 9:00 am - 5:00pm

Saturday: 9:00 am - 12:00pm 

Send Mail or Call a Full-Service Banking Facility
701 LaSalle Street, Ottawa, IL 61350 | 815.434.0044
1771 North Division Street, Morris, IL 60450 | 815.941.0044
1459 Cannonball Trail, Yorkville, IL 60560 | 630.553.1542
409 East Bridge Street, Streator, IL 61364 | 815.672.2941


Bank By Phone 24 hours a day, 7 days a week with FirstPhone

You can access your account information by phone simply by dialing the 866 number above!

Call 24 hours a day, 7 days a week for information about your:

  • Checking Account(s)
  • Savings Account(s)
  • Certificate(s) of Deposit
  • Loan(s)


Routing Number


Lost or Stolen VISA Card

For your protection, please report lost or stolen VISA debit cards or VISA credit cards immediately.

VISA Debit Card
  • During normal banking hours call Customer Service at: 815.434.0044
  • After hours, holidays and weekends call: 800.500.1044


VISA Credit Card
  • At any time call: 800.423.7503


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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

EMAIL 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.


Main Bank
701 LaSalle St.
Ottawa, IL 61350
Phone: 815.434.0044
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Updated November 5, 2020: Please read for an important update regarding COVID-19.      Click Here