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COVID-19 Relief Programs

Last Updated: 1/21/21 
FNB is offering several programs to support our customers who are directly impacted. All programs are subject to bank approval and 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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COVID Relief Resources box

Paycheck Protection Program Update1

On December 27, 2020, the President signed into law the Consolidated Appropriations Act (the “Act”), a $900 billion legislative package that, among other things, renews the Paycheck Protection Program (PPP) that was established under the Coronavirus Aid, Relief, and Economic Security Act (CARES Act). The Act allocates $284.45 billion for PPP loans to eligible new borrowers, as well as a second-draw to qualifying borrowers that already received a loan under the first round of PPP funding.

FNB is currently accepting applications for first and second draw PPP loans. Keep in mind that all loan applications must be submitted through the Portal. Paper-based applications will not be accepted.

Who is eligible to apply

First-draw PPP Loans will be available to first-time borrowers from the following groups:

  • Businesses with 500 or fewer employees that are eligible for other SBA 7(a) loans.
  • Sole proprietors, independent contractors, and eligible self-employed individuals.
  • Not-for-profit entities and organizations, including churches.
  • Accommodation and food services operations (those with North American Industry Classification System (NAICS) codes starting with 72) with fewer than 300 employees per physical location.

Second-draw PPP Loans will also be available to businesses that previously received a PPP loan. Specifically, previous PPP recipients may apply for a second loan of up to $2 million, provided they:

  • Have 300 or fewer employees.
  • Have used or will use the full amount of their first PPP loan.
  • Can demonstrate a 25% gross revenue decline in any 2020 quarter compared with the same quarter in 2019.

Businesses who are not currently FNB customers and have questions about the latest round of PPP are encouraged to contact an FNB banker.

The PPP Forgiveness Portal is temporarily closed as a result of the new legislative changes that are part of the December 27 Consolidated Appropriations Act. Those changes include the expansion of eligible expenses which could benefit our clients.

To deliver the best customer experience, we will re-open the portal once we have incorporated the necessary changes into our forgiveness applications.

If you have a Paycheck Protection Program Loan through First National Bank, review the SBA's PPP Program Forgiveness Guidelines and check the website frequently for information regarding the re-opening of the forgiveness portal.

For the latest information, please visit the SBA website.Redirect icon

PPP Loan Portal

First-draw PPP Loans:

  • Register if you are applying for a first-draw PPP Loan

Second-draw PPP Loans:

  • Log in if you previously registered for forgiveness at FNB and you're applying for a second-draw, otherwise Register to apply

Forgiveness Application:

  • We are not accepting new applications for PPP Forgiveness at this time.

Register    Log In

Paycheck Protection Program

Paycheck Protection Program (PPP) Scam Awareness

Although PPP loans are funded by the SBA through the CARES Act, the loans are provided through First National Bank.  Borrowers will work directly with FNB regarding forgiveness applications.  The SBA will not contact you directly to sign or submit documents. All SBA requests for information will come through FNB.

  • A new scam targeting PPP loan recipients appears to be an email from the Small Business Administration using the SBA logo. The email asks the recipient to download, sign and return documents.
  • The SBA will not contact you directly regarding your PPP loan.
  • Legitimate government entities will have websites and emails that end in .gov, such as www.sba.govRedirect icon.
  • Review other tips from the SBARedirect icon to avoid scams. Contact the SBA office to report a scam appearing to be from the SBA.
  • FNB is not working with any third parties on the PPP forgiveness application. Any telephone or email solicitations that you receive from vendors offering assistance or requesting information are not approved by or affiliated with FNB.
  • If you are unsure about a communication you have received, please contact the banker you are working with or call 1-833-362-5626

Learn More

PPP Forgiveness Resources

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.

Person using calculator at desk

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.

Person looking at laptop screen

Mortgages & Home Equity
If you are experiencing a financial hardship due to COVID-19, we may have programs available to assist you. Please click Learn More to discover how we can assist you.

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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.

2 - Please do not email this mailbox or reply with questions. This mailbox is not being monitored and is for email notifications only.

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