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Paycheck Protection Program

Learn more about the PPP Forgiveness Program. Last Updated: March 21, 2023

Paycheck Protection Program Update1

The Small Business Administration (SBA) Paycheck Protection Program (PPP) is designed to assist small businesses affected by the COVID-19 pandemic by covering costs related to payroll and certain other expenses. The SBA has indicated that PPP funding has been exhausted. As a result, we are no longer accepting PPP loan applications. For additional information regarding PPP, please visit the SBA website.Redirect icon

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

In the third quarter of 2021, the U.S. Small Business Administration (SBA) announced that customers with a PPP loan of $150,000 or less may apply for forgiveness through a portal designed by the SBA. Lenders that participate in the SBA’s forgiveness portal are still required to review and make forgiveness decisions for their borrowers and submit them to the SBA. Due to the fact that FNB already has a fully digital forgiveness portal and we want to ensure our borrowers experience an easy-to-use and convenient forgiveness application process, all of our PPP borrowers are required to apply for forgiveness through the existing FNB Forgiveness Portal.

Thank you for choosing FNB. We understand the impact of your loan’s forgiveness on your business and we appreciate the trust you have placed in FNB to serve your financial needs.

PPP Loan Forgiveness Applications

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Borrowers may be eligible for PPP loan forgiveness. FNB's Online PPP Loan Portal is open for forgiveness applications for borrowers who received a PPP loan through FNB and who have not yet submitted a forgiveness application for their Paycheck Protection Program (PPP) loan.

You have until 10 months after your covered period to apply for forgiveness before loan payments commence. For more details about your forgiveness eligibility, please visit the SBA websiteRedirect icon or work with your attorney or accountant. For answers to other PPP Forgiveness questions, review our PPP Forgiveness FAQs.

PPP Loan Forgiveness

PPP Loan Forgiveness Box

Forgiveness Application:

  • Register if you are a new user applying for forgiveness.
  • Select "FNB Log In" if you received a PPP loan from FNB.

Register    FNB Log In

PPP Loan Forgiveness Application Support

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For assistance with the Forgiveness Application, please contact your banker during regular business hours, or email us at for all PPP related inquiries or to request same business day call back. Our normal business hours are Monday through Friday, 9:00 AM - 4:00 PM ET. Please note, all inquiries submitted after 4 PM ET will be addressed the following business day.

For answers to your PPP Forgiveness questions, review the PPP Forgiveness FAQs.

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 .Redirect icon
  • Review other tips from the SBA Redirect 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 email us at
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Howard Bank PPP Forgiveness Portal Questions?

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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.

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