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COVID-19 Relief Programs

Last Updated: 3/05/21 
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-draw PPP loans, second-draw PPP loans, and PPP forgiveness. Keep in mind that all loan applications must be submitted through the Portal. Paper-based applications will not be accepted.

Form 1040 Schedule C Borrowers

On March 3, 2021, the SBA issued an Interim Final Rule and new application forms related to sole proprietors, independent contractors, self-employed individuals and other borrowers who file an IRS Form 1040 Schedule C. The forms provide the option to calculate the maximum PPP loan amount using gross income, rather than net profit. It also eliminates eligibility restrictions for small business owners who may be delinquent on student loans or have prior non-financial felony convictions. Pursuant to SBA guidance, this is applicable to new applications but not retroactive to previously submitted applications.

The new Schedule C forms are available in the FNB PPP Loan Portal.

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

First and Second Draw Loan Applications

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.

First-draw PPP Loan applications must be submitted through the PPP Loan Portal.

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.

Second-draw PPP Loan applications must be submitted through the PPP Loan Portal.

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

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PPP Loan Forgiveness Applications

FNB's Online PPP Loan Portal is Open for Forgiveness Applications for borrowers who have not yet submitted a forgiveness application for their 2020 Paycheck Protection Program (PPP) loan. Our PPP Loan Portal was temporarily closed while the SBA finalized changes to the SBA forgiveness process as a result of the December 27, 2020, Consolidated Appropriations Act. Highlights of those changes are outlined below.

  • Covered Period Flexibility: The covered period for PPP loan forgiveness can be any length between eight and 24 weeks to best meet your business needs.
  • Expanded Use of PPP Loan Proceeds: Forgivable nonpayroll costs now include additional expenses such as operations expenditures, property damage costs, supplier costs and worker protection expenditures. However, payroll costs still must represent at least 60 percent of the total expenses for which forgiveness is sought.
  • Simplified Forgiveness: The short form, PPP Loan Forgiveness Application Form 3508S, can be used by borrowers that received a PPP loan of $150,000 or less (previously the amount was $50,000).
  • Economic Injury Disaster Loan (EIDL) Advance No Longer Impacts Forgiveness: If you received an EIDL Advance, your forgiveness amount will no longer be reduced by the amount of the Advance.

For more details about your forgiveness eligibility, please visit the SBA website or work with your attorney or accountant.

Please note that, due to the changes to the forgiveness application forms and process required by the SBA, if you started — but did not submit — your forgiveness application prior to January 27, 2021, you will be required to complete a new application using the PPP Loan Portal.

You do not need to apply for loan forgiveness on your First Draw PPP loan in order to be eligible for a Second Draw PPP loan; however, you must certify that you used the full amount of your First Draw PPP loan on eligible expenses. As a reminder, you have until 10 months after the end of your 8-week or 24-week Covered Period to apply for forgiveness before loan payments commence.

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SBA Prioritizes Businesses With Fewer Than 20 Employees

The SBA recently announced that it will accept new applications for Paycheck Protection Program (PPP) loans ONLY from borrowers with fewer than 20 employees for a period of two weeks beginning Wednesday, February 24, 2021, and ending Wednesday, March 10, 2021. Visit the SBA website for more details. 

We will continue to accept applications from all interested applicants; however, any completed applications for businesses with 20 or more employees that have not received a PLP number by February 24, 2021, will be held and submitted after the 14-day exclusive application period has ended. If you have any questions about the status of your application, please contact your banker.

The SBA also announced that it plans to make additional changes that may impact the application process for borrowers beginning in early March. Please visit this site periodically for important updates.

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:

  • Register if you are a new user applying for forgiveness
  • Log in if you previously registered for forgiveness at FNB to restart your application

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 Paycheck Protection Program. 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

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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.

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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. 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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