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CARES Act & PPP

A key provision of the CARES Act is the Paycheck Protection Program (PPP), which authorized SBA lenders like FNBO to make loans to small businesses through the SBA.

FNBO is no longer accepting PPP submissions. If you are customer who has secured PPP funds through FNBO, learn more about forgiveness.

FNBO Assistance

FNBO customers directly impacted by COVID-19 can request assistance including:

  • Additional credit and assistance accessing various local, state and federal assistance programs
  • Potential refunds on overdraft fees, late fees, non-sufficient funds fees and balance-related monthly maintenance fees
  • Potential payment deferrals

Contact Us: Please talk with your banker about the challenges you are experiencing today to help us prepare to serve you best during the coming weeks and months. You may also call us at 800-228-4411.

Please note that credit payment deferrals will create a balance at maturity. Additionally, we have temporarily paused foreclosure related-activities for business customers.


For further resources, visit our State and Local Resources section. 

Couple looking at finances

Convenience, Security and Confidence

We know these are challenging times and we’re here to help you through them. Wherever you are, there are many ways you can make and receive payments, deposit money to your account or get cash for your business. And, even if you’re confident with your current processes, it’s always good to have a backup plan.

  • Online Banking: Manage your accounts online 24/7. To enroll, get started here.
  • PayMaker: You can digitally send and receive business payments from anywhere (check or ACH) through our payments platform, PayMaker. PayMaker also gives you the ability to convert your payments to ACH and removes the need to manually mail or receive payments by check. Enroll in 5 minutes or less under the “Pay & Get Paid” tab on your online banking dashboard.
  • Branch Drive Thru: You can still bank with us at your local branch with our drive thru services during operating hours. And, you can also deposit checks or cash 24/7 at our deposit accepting FNBO ATM’sKeep updated with our branch statuses.
  • ACH Transfers: If you’re not enrolled in PayMaker, be sure you have a contingency plan for submitting and approving ACH and wires, including the possibility of writing checks.
  • Order Checks: You can order checks under the “Services” tab on your online banking dashboard.
  • Mobile App Deposits: In response to COVID-19, we have increased mobile app deposit limits for business customers through June 30, 2020. View your increased deposit limit in the “Make a Deposit” section in your mobile app.
    To enroll in Business Mobile Banking, go to the “Services” tab on your online banking dashboard. From there, you can enroll your business and download the app.
  • Cash Vault Services: Cash Vault Services are designed for businesses that make frequent deposits of cash and checks, or require a continuous inventory of coin and currency. You can make sure you have enough cash on hand, and that your deposits are processed securely and on-time with Cash Vault Services.
  • Fraud Protection: Consider adding fraud prevention tools and alerts to your account. You can customize account alerts under the “Account” tab on your online banking dashboard and add fraud prevention under the “Administration” tab.
Small business man making phone calls

Important Information Regarding Paycheck Protection Program (PPP) Forgiveness

On June 5 the Paycheck Protection Program Flexibility Act of 2020 was signed into law. This is important to PPP borrowers as it eases and extends some aspects of the PPP program, including rules around forgiveness. With this new law, we expect new guidance to be issued by the US Treasury and SBA.

FNBO will provide PPP borrowers with a timely, efficient, and complete forgiveness application process through our Customer Portal as forms and guidance are finalized. As we build a streamlined process, we are paying close attention to all aspects of PPP forgiveness that the US Treasury and SBA are continuing to develop. We are finalizing the Customer Portal to make the processes as easy as possible for you.

When finalized, the PPP Forgiveness process will be offered through the Customer Portal. The timing is dependent on receiving final guidance from the SBA that will be incorporated into our forgiveness process. At that time, we will communicate to all PPP borrowers via email that the portal is open and available to submit your forgiveness application. We do not need any forgiveness application materials from borrowers at this time.

We encourage you to regularly visit the Treasury website regarding PPP, especially the “For Borrowers” section and the “Program Rules” section, as well as the recently published applications and instructions for forgiveness. It will be helpful to familiarize yourself with these forms. Please note, in addition to the regular application, the SBA has created a form EZ that may be applicable to you if certain conditions apply.

Loan Forgiveness Application Form EZ Instructions

Loan Forgiveness Application Form EZ

Loan Forgiveness Application Instructions 

Loan Forgiveness Application 

As a reminder, we will communicate out to all FNBO PPP borrowers via email when the customer portal is open and available to submit forgiveness applications.

As a lender, we are relying on our applicants’ independent certifications, and we cannot make determinations for our applicants on matters that they are certifying. If you are unsure about your eligibility for or responsibilities under the PPP, you should seek out advice for your situation from an accountant, attorney, or other professional advisor.