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Paycheck Protection Program and Forgiveness

Updated as of March 30, 2021


Find important links, answers to commonly asked questions (FAQs), access our PPP Round 2 Reference Guide, and view other helpful tools and resources by visiting FNB’s Paycheck Protection Program Resource Center.

Ready to start? Apply online in as few as 15 minutes by visiting


COVID-19 Customer Support

A Message from Louise Walker - March 9, 2020

As the coronavirus (COVID-19) pandemic remains prominent in the region, First Northern Bank’s number one priority is the safety and well-being of our 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. As the circumstances evolve, the Bank will continue to monitor the information provided by the Center for Disease Control, California Department of Public Health and local County Public Health.

The Bank has taken prudent steps to ensure its branches and loan offices can remain open during this unprecedented health crisis. 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 engaged 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 for qualifying customers; you will not need to request the waiver.
    • Increased Debit Card Limits for most consumer clients.
    • As a member of the MoneyPass ATM Network, First Northern Bank 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. 

All First Northern Bank 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 First Northern Bank 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. 

For information about COVID-19 (Coronavirus), please visit the sites of the following organizations.

World Health OrganizationCenter for Disease Control (CDC)

      WO Logo                CDC Logo      


ABA Offers Suite of Communications Resources on Economic Impact Payments


Since the CARES Act was passed, ABA has urged the IRS and Treasury to maximize the use of electronic disbursement methods when issuing economic impact payments rather than issuing paper checks in order to get payments to consumers faster and reduce the risk of fraud.

The association has also created several new resources for banks to help educate their customers about their economic impact payments. These resources include a series of commonly asked questions—which will be continually updated with the latest information from the Treasury Department—as well as consumer tips for avoiding fraud scams related to the economic impact payments.

Access the ABA's FAQs for Consumers

Access the ABA's consumer tips


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


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.

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 information, visit the FDIC website here to read more.