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FNB Announces COVID -19 Customer Support Plan

As the coronavirus (COVID-19) pandemic continues to develop, First Northern Bank’s number one priority is the safety and well-being of its customers, employees and communities.  We are very fortunate that everyone is pulling together to make this difficult time run as smoothly as possible at First Northern Bank.  We are especially grateful for our amazing team of employees -they are taking the situation in stride and taking good care of our customers.

The Bank has taken prudent steps to ensure its branches and loan offices can remain open during this unprecedented health crisis.  Office hours have been reduced to 9am – 3pm Monday through Friday (drive-up/walkup hours 9 am-5 pm); enhanced cleaning procedures published by national health officials have been adopted;  and employees are practicing social-distancing.  Customers have also been reminded of the available alternatives to branch banking:  Mobile Banking, Online Banking, ATMs, Night Depository, and TeleBank. 


In addition, First Northern Bank has proactively developed a COVID-19 Customer Support Plan designed to provide relief to those business and consumer customers financially impacted by the current crisis.  The Plan includes:

  • Communications regarding the safety and soundness of America’s banks.  With FDIC Insurance on deposit accounts up to $250,000, banks are the safest place for your money.
  • Loan Assistance for those impacted by COVID-19
    • Waiver of all Late Fees for qualifying consumer, small business, commercial and agricultural loan customers for a period of 60 days (may be extended if economic circumstances dictate).  To qualify for this waiver, the borrower must not be past due more than 30 days on any loan as of March 1, 2020. This waiver is automatic for qualifying customers;  you will not need to request the waiver.
    • Payment relief options, please contact your branch or FNB’s Central Loan Department at (707) 678-0226 for details.
    • Delinquencies resulting from impacts of COVID-19 will not be reported to the credit reporting agencies.
    • Access to loan programs through FNB’s strong partnership with I-Bank and Small Business Loan Administration (SBA). More information on the SBA's Economic Injury Disaster Loans found here.
  • Deposit Account Assistance
    • Waiver of all Overdraft/Non-Sufficient Funds fees for all business and consumer customers for a period of 60 days (may be extended if economic circumstances dictate).  This waiver is automatic; customers do not need to request the waiver.
    • Increased Debit Card Limits for most consumer clients.
    • As a member of the MoneyPass ATM Network, FNB deposit customers have access to surcharge-free ATMs at over 50 locations within the Bank’s local footprint and hundreds more throughout the state.
    • Waiver of Early Withdrawal Charges for customers wishing to withdraw funds from their Certificates of Deposit.

First Northern Bank is committed to continuously monitoring the rapidly evolving impacts of COVID-19, and stands ready to assist its customers, employees and communities as we all navigate this challenging time together. 


Consumer Financial Protection Bureau Releases Video on How Mortgage Forbearance Works under CARES Act

The Consumer Financial Protection Bureau (Bureau) has released a video on how struggling homeowners can obtain mortgage forbearance if their finances are impacted due to the COVID-19 pandemic.

The Bureau has also issued additional information for consumers on mortgage and student loan payment relief and how to avoid scams. 

Below are the resources for consumers:

VIDEO: CARES Act Mortgage Forbearance: What You Need to Know

Guide to coronavirus mortgage relief options

What you need to know about student loans and the coronavirus pandemic

Beware of scams related to the coronavirus

Online and mobile banking tips for beginners



Paycheck Protection Program - U.S. Chamber of Commerce

The Coronavirus Aid, Relief, and Economic Security (CARES) Act allocated $350 billion to help small businesses keep workers employed amid the pandemic and economic downturn. Known as the Paycheck Protection Program, the initiative provides 100% federally guaranteed loans to small businesses.
Importantly, these loans may be forgiven if borrowers maintain their payrolls during the crisis or restore their payrolls afterward. The administration soon will release more details including the list of lenders offering loans under the program. In the meantime, the U.S. Chamber of Commerce has issued this guide to help small businesses and self-employed individuals prepare to file for a loan.

The Small Business Owner’s Guide to the CARES Act

The programs and initiatives in the Coronavirus Aid, Relief, and Economic Security (CARES) Act that was just passed by Congress are intended to assist business owners with whatever needs they have right now. When implemented, there will be many new resources available for small businesses, as well as certain non-profits and other employers. This guide provides information about the major programs and initiatives that will soon be available from the Small Business Administration (SBA) to address these needs, as well as some additional tax provisions that are outside the scope of SBA.

Reduced Branch Hours

First Northern Bank has temporarily reduced its branch banking hours in response to the recent COVID-19 developments. Our first priority is the safety and wellness of our customers and employees.
All branch lobbies will be open
9am – 3pm, Monday - Friday
9am – 1pm, Monday - Friday (Sacramento)
Drive-up or Walk-up Banking Available (Dixon, Davis, West Sacramento)
9am – 5pm, Monday - Friday
Online Banking, Mobile Banking, TeleBank, ATM and Night Depository are operational 24/7
You can also reach our Client Solutions Team at (877) 362-6000
9am - 5pm, Monday - Thursday
9am - 6pm, Friday


All First Northern Bank’s branches will remain open to serve its customers during this unprecedented national health emergency. We are focused on keeping our branches clean, promoting good health among our employees, and we are practicing ‘social distancing’. 

Should you prefer not to come into a branch to make a deposit, please use a FNB ATM (no envelope or deposit slip needed). The business night depository located outside our branches may also be used for deposits that do not exceed the height of the deposit slot;  just be sure to place your check, cash and deposit slip into a sealed envelope. We will process deposits in our night depositories multiple times throughout the day, up until 4pm. 


Beware of Potential Scams Using FDIC Name

In light of recent developments related to the coronavirus, the Federal Deposit Insurance Corporation (FDIC) is reminding Americans that FDIC-insured banks remain the safest place to keep their money. The FDIC is also warning consumers of recent scams where imposters are pretending to be agency representatives to perpetrate fraudulent schemes. For more intormation, visit the FDIC website here to read more.


Coronavirus Disease 2019 (COVID-19)

image of Coronavirus Disease 2019 (COVID-19)

Your Wellness Is Important to Us. 
First Northern Bank is Preparing for the Coronavirus.

As news about the Coronavirus continues to develop, we want to share with you that FNB has a 3-Phase Pandemic Plan in place for execution should the Coronavirus continue to escalate.  We have taken additional measures to keep our branches clean and to promote good health among our employees.  Our focus is to ensure you can access your money when you need it.

First Northern Bank will continue to monitor information from the Center for Disease Control, California Department of Public Health and local County Public Health sites.  We have provided links to these key sites on our website so you too can stay current.

FNB Customer Communications 

A Message from Louise Walker - March 9, 2020


Coronavirus Information

Share facts about COVID-19

Stop the Spread of Germs

What you need to know about Coronavirus Disease (COVID-19)

Symptoms of Coronavirus Disease 

What to do if you are sick with Coronavirus Disease



World Health OrganizationCenter for Disease Control (CDC)

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