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COVID-19 Relief Programs

Last Updated 07/07/20

FNB is offering several programs to support our customers who are directly impacted. All programs are subject to bank approval, information regarding specific solutions can be found below. To find the updates regarding FNB's response to the coronavirus, including additional measures the Bank is taking, click Learn More below.

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Relief for Businesses

Paycheck Protection Program1

New Paycheck Protection Program Applications:
At this time, FNB is no longer accepting applications as we focus on processing the previously submitted applications. We will continue to assess our ability to accept and process new applications based on the evolving status of the Paycheck Protection Program.

Status of a Previously Submitted Application:
If you have already submitted an application, contact your FNB Banker directly to discuss the status of your application and to determine if you need to provide any additional documentation. Please do not set up an appointment online for this purpose. Also, we ask that you do not call your branch or the Customer Service Center regarding your PPP loan status as they will not be able to assist you.

If You Have a PPP Loan:
If you have been approved for a PPP loan, your loan proceeds must be distributed into an FNB checking account.

About The Program:
The Paycheck Protection Program is a major component of the Coronavirus Aid, Relief, and Economic Security (CARES) Act which provides 100% federally guaranteed loans to small businesses. The loans may be forgiven if small business borrowers maintain their payrolls or restore the number of employees and/or salaries affected by the crisis by June 30, 2020. Review the SBA's guide for calculating the maximum loan amount by type of business.Redirect icon 

SBA Eligibility Clarifications:
On April 24, 2020, the Small Business Administration (SBA) issued a new Interim Final Rule addressing various requirements related to the Paycheck Protection Program (PPP). Specifically, the SBA clarified a provision in the new rule regarding borrower eligibility and a borrower's certification concerning the need for a PPP loan request. Please also review this important information regarding the government audit of PPP loans in excess of $2 million.

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About Loan Forgiveness

FNB is developing an online forgiveness application where you will be able to safely and securely enter the required information and upload supporting documentation. Until the application is available, and the SBA begins accepting forgiveness applications, we recommend that you review the SBA’s PPP Loan Forgiveness Instructions and Application in advance of the end of your Covered Period so that you are prepared when our online application launches. The SBA’s PPP Loan Forgiveness Instructions and Application can be found on the SBA’s website. While we understand that you will be eager for the forgiveness process to begin, please do not send us a paper application or supporting documentation at this time. We will announce when the online application is available for use. We thank you in advance for your patience and understanding.

If you have additional questions concerning PPP loan forgiveness eligibility, we recommend that you continue to check the SBA PPP home page as well as the Treasury Department PPP home page as information is updated on a regular basis. As a Borrower under this program, it is your obligation to stay informed of the latest guidance from the Treasury and the SBA related to this program.

Other Business Relief Options

Businesses facing financial difficulties related to COVID-19 are encouraged to contact their local banker, relationship manager, or FNB Customer Service Center at 1-800-555-5455 to discuss their individual circumstances and potential solutions available to them.

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Relief for Consumers

Individuals facing financial difficulties related to COVID-19 are encouraged to schedule an appointment to contact their local banker or call FNB Customer Service Center at 1-800-555-5455 to discuss their individual circumstances and potential solutions available to them.

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Mortgages & Home Equity
If you are experiencing a financial hardship due to COVID-19, we may have programs available to assist you. To discuss your situation and possible solutions, please send an email to or call 1-877-341-6974.

Notices & Disclosures

Redirect icon - For your convenience, First National Bank (FNB) provides links to third party service providers. By clicking this link you agree to leave FNB’s website and will be routed to a third party site outside the control of FNB. FNB does not provide, and is not responsible for, the products, services, or overall website content available at a third-party site. FNB does not endorse or guarantee the product, information or service on any third party’s website. FNB’s privacy policy does not apply to the linked website; we encourage you to read and evaluate the privacy and security policies of the site you are entering.

1 - All applications are subject to review for verification of eligibility to participate in the Small Business Administration (SBA) Paycheck Protection Program (Program) and FNB maintains discretion to require additional underwriting or federal regulatory compliance information or documentation for due diligence purposes. All applications submitted are not complete until approved by FNB and accepted by the SBA. FNB cannot guarantee the timing of the submission of your loan to the SBA or that your loan will be approved by FNB or accepted by the SBA. FNB is not responsible for any false or misleading information provided by an applicant in any application for relief under the Program. FNB will not pay Agents for assistance they may provide an Applicant in obtaining a Program loan.

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