COVID-19 Update

COVID -19 Response Updates and Information

Branch Operations Update - Branch Lobbies Now Open!

Updated on Thursday, June 25, 2020


We hope you have remained healthy and safe during the last few months.  Although our offices have been opened for business, we are pleased to announce that our branch lobbies are now open for walk-in assistance.

To ensure you feel safe and comfortable visiting us inside our branch lobbies, we have implemented the following: 

  • Face Coverings – our bankers are required to wear them; and we will require you to as well
  • Protective Sneeze Shields – we have installed them on our lobby desks for extra protection when meeting with you
  • Social Distancing – please follow the guide signs on our floors and stand six feet apart
  • Hand Sanitizing – we have added stations for your use
  • Increased Cleaning – we frequently clean and disinfect throughout the day and in between customers
  • Capacity Limits – we will limit the number of customers in our lobby to ensure appropriate social distancing

We encourage you to continue using our digital banking services whenever possible for your convenience. 

Not enrolled in online or mobile banking? Download our mobile app, visit our Online & Mobile Banking page for instructions. For assistance with enrolling in business services such as ACH Origination, Remote Deposit Capture and Bill Pay, please contact our eClient Services team at     

Additional Measures

  • We continue to deep clean equipment and frequently-touched surfaces such as new account desks, teller line counters and check-writers along with doorknobs and in high-traffic areas such as our restrooms.
  • We continue to practice self-distancing with our bank department employees and our work-from-home schedule remains in effect. 
  • We have instructed any employee who is sick to stay home and self-quarantine.
  • Please know we are here for you and understand the financial well-being of our customers can be adversely affected during this challenging time. We are still accepting applications for the Paycheck Protection Program (PPP) for our current business customers. If you are interested in applying, please refer to the details below.  
  • We remind you to be aware and vigilant that this is a time when scammers are in full force trying to take advantage of the situation. Please do not provide any personal information through email or phone calls that you receive. Be cautious when opening messages and attachments from unknown sources claiming to have information about COVD-19, especially regarding the issuance of the Economic Impact Payments from the IRS. 
    • The IRS will not send an email about these payments; to see if you are eligible, visit
    • The IRS will not ask you to provide your personal information in an email or over the phone; for most Americans, this information is on file from previous tax return filings.
    • Individuals who have not filed a tax return can sign up to receive payment using the IRS's new web tool for non-filers found here.
    • For additional resources, please visit our Security & Privacy page 

SBA's Paycheck Protection Program (PPP) is still available.                    Here is what you need to know:  

Updated on Friday, June 26, 2020

The SBA is once again taking applications for the Paycheck Protection Program (PPP).  The second round of funding, signed into law on Friday, April 24, 2020 provides more than $310 billion for the PPP.  The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on the payroll.

SBA will forgive loans if all employees are kept on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

Who Can Apply

The following entities affected by Coronavirus (COVID-19) may be eligible:

  • Any small business concern that meets SBA’s size standards (either the industry based sized standard or the alternative size standard)
  • Any business, 501(c)(3) non-profit organization, 501(c)(19) veterans organization, or Tribal business concern (sec. 31(b)(2)(C) of the Small Business Act) with the greater of: 500 employees, or that meets the SBA industry size standard if more than 500
  • Any business with a NAICS Code that begins with 72 (Accommodations and Food Services) that has more than one physical location and employs less than 500 per location
  • Sole proprietors, independent contractors, and self-employed persons

Loan Forgiveness Details

The loan should be fully forgiven if the funds are used for eligible expenses such as payroll costs, interest on mortgages, rent, and utilities (at least 60% of the forgiven amount must have been used for payroll). No collateral or personal guarantees are required. Neither the government nor lenders will charge small businesses any fees.

Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels. Forgiveness will be reduced if full-time headcount declines, or if salaries and wages decrease by more than is allowed per the latest Interim Final Rules (see

The forgiveness application criteria, requirements and process is still being finalized by the SBA and Treasury. Once in place, NCB will contact each of our PPP borrowers with additional details and instructions on how to submit an application, along with required supporting documentation. For more detailed information on forgiveness, please see the latest Interim Final Rule, here.  

For additional questions, please visit our Contact Us page.  


If you are interested in submitting an application, we request you do the following:

Complete the Paycheck Protection Program Borrower Application form (here) or by visiting

Include with your application the following documents:

  • Copies of 2019 payroll tax reports filed with the IRS for entire year of 2019, or for the last three quarters of 2019 and first quarter of 2020
  • Copies of 1st Quarter 2020 payroll report, or through February 2020, if not yet available 
  • Documentation of health insurance premiums paid by the company for group health for the preceding 12 months 
  • Documentation of all retirement plan funding by the company for the preceding 12 months
  • Your calculation of Average Monthly Payroll
  • For Corporations: Articles of Incorporation and Bylaws
  • For LLCs: Articles of Organization and Operating Agreement

Submit your application and supporting payroll-related documents to a member of our branch network team.  For a list of branch office locations visit our Branch & ATM Locations page.

We are striving to process your requests as quickly as we can. 


Paycheck Protection Program Borrower Application Form

Coronavirus Tax Relief and Economic Impact Payments

While millions of Americans have already received their Economic Impact Payments authorized by the Coronavirus Aid, Relief, and Economic Security Act (CARES Act), the IRS continues to calculate and send Payments to eligible individuals.  
Here is what you need to know:
  • Payments continue to be sent to eligible individuals
  • If you have questions regarding your Economic Impact Payment, visit                                         
  • Do not call the IRS for information
  • If you have received your Economic Impact Payment in the form of a Debit Card and would like more information on how to access your funds or add your funds to your NCB account - Learn More here

We will continue to work as your trusted partner to provide help and assistance the best we can.  Please call your local branch or Relationship Manager to discuss your specific needs.  


Throughout our 130-year history, NCB has faced and survived many periods of uncertainty through prudent business practices and community support.  These times are no different, and we are committed to continuing to serve our customers and community - you are our top priority!


We will continue to monitor the COVID-19 pandemic and provide updates to this page, as well as on our social media channels, as necessary.  For additional information about the COVID-19, visit the CDC (Centers for Disease Control and Prevention) website.