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The First National Bank of Ottawa. Morris National Bank and Trust. Streator National Bank. Yorkville National Bank and Trust. Over 150 Years of Putting Our Customers 1st.

Commercial Checking Accounts

Effective May 1, 2015

The First National Bank offers a wide variety of deposit products including:

E-Business Checking

Our e-Business Checking account has been designed with today's small business owners in mind - those who utilize the benefits of today's modern technology. We offer our free Online Banking and Bill Pay services in conjunction with a business checking account that has no minimum balance requirement, no monthly service charge, and allows you to process low-volume paper transactions without fees.

Features Details
Monthly Maintenance Fee FREE
Online Banking FREE
Online Bill Payment Unlimited
On-Us Deposited Items Unlimited
ACH Credits and Debits Unlimited
Foreign Items Deposited Up to 50 Per Month*
Deposits Up to 20 Per Month*
Paper Checks Up to 20 Per Month*
*Deposits greater than 20 $1.00 per deposit
*Paper checks written after 20 $.45 per check
*Foreign items deposited greater 50 per month $.45 per item


The First National Bank of Ottawa's checking account gives you credit for balances to offset account service fees.

  • Your balance qualifies you for valuable earnings credit
  • Commercial Checking Fees
Fees Ammount
Monthly Maintenance Fee $9.85
Fee Per Debit .20
Fee Per ACH Debit .03
Fee Per Item Deposited (On Us) .12
Fee Per Item Deposited (Foreign) .19
Per Negative Collected Balances Prime + 6%
  • Service fees can be reduced or eliminated through through an Earnings Credit for balances kept on deposit
  • Account activities, including images of canceled checks are provided in a timely monthly statement
  • Additional services are available to tailor your account to your needs, including a monthly account analysis
  • Automated payroll service available

Commercial NOW Account Checking

An interest-bearing checking account that is offered exclusively to sole proprietorships and other qualified businesses..

  • Commercial NOW Account Fees
Fees Ammount
Monthly Maintenance Fee $15.00
Fee Per Debit .20
Fee Per ACH Debit .03
Fee Per Item Deposited (On Us) .12
Fee Per Item Deposited (Foreign) .19
Per Negative Collected Balances Prime + 6%
  • Write checks to access funds
  • Unlimited access to deposited funds

Non-Profit Checking

An interest-bearing account tailored for our Non-Profit customers.

  • Unlimited access to deposited funds
  • Your liquid funds generate interest for you
  • Write checks to access funds
  • $2.00 Service Charge fee if average daily balance for the monthly statement falls below $500.00

Deposit Sweep and Cash Management Balance Accounts

Deposits are automatically transferred into interest-bearing accounts.

  • Maintain balances at predetermined levels
  • Provides income on excess funds and eliminates surplus cash positions
  • Client can maintain balances that are sufficient to offset service charges
  • Funds can be combined in one account to facilitate cash management process
  • Integrates with lines of credit to offset cash deficits
  • Automates cash management via secured, internet access

Commercial Savings Accounts

An interest-bearing deposit account with access to funds.

  • Interest is compounded daily and credited quarterly
  • Low minimum balance requirement
  • Money may be invested for any length of time
  • Transaction limitations may apply

Commercial Money Market

An investment account with lower minimum balance requirements that provides liquidity and earnings.

  • Earn interest and gain easy access to funds
  • Interest accrues daily and is paid monthly
  • Limited check writing privileges with regulatory restrictions on transactions
  • Receive detailed monthly statements on account activity