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Schedule F Sole Proprietor Farmers are Eligible for PPP Funding 

Schedule F Sole Proprietor Farmers (with or without employees) are eligible for PPP funding in a potentially greater amount than in the spring of 2020. This may be a great option for you if you have current borrowing needs.

As you complete the application process, you may be asked to provide additional documentation for approval. Required documentation may vary depending on each borrowers’ unique needs. If you have questions about the information you will be asked to provide, please reach out to Ian Weaver at (570) 768-4912. He is ready to help you prepare for the application process!

Right now, FCCB is accepting applications through our online loan portal. Click here to access the FCCB Online Loan Portal. We are unable to accept paper applications, so all documents will be signed electronically in the portal. In the portal, you have the option to choose a lender. Please choose your current FCCB Ag Banker from the list. Then, your Ag Banker will review the application and reach out to you.

Our team has been hard at work preparing to help producers as spring crop needs are right around the corner. Please be patient as we work through this process together, and don’t hesitate to reach out if you have questions or need help. You can reach us at (800) 326-9486, or you can email your Ag Banker.

The FCCB PPP Loan Application Portal is Opening

On Friday, January 15th the SBA will begin accepting PPP third-draw loan applications for banks with less than $1 billion in assets. At this time, we do not know the exact date applications from banks with larger asset sizes, like FCCB, will begin to be accepted by the SBA. However, current guidance indicates all other applications will be accepted soon. Therefore, the FCCB PPP Loan Application Portal will re-open on Friday, January 15, 2021, so FCCB customers can begin to submit new applications. 

Things to keep in mind:

  • Our portal will only be available to FCCB Customers.
  • Small businesses with less than 300 employees will be eligible for this round of PPP loans, even if you already have a PPP loan from 2020.
  • Before you apply for round three, SBA guidelines require the exhaustion of funds from previous PPP loans.
  • To qualify for round three funding, borrowers are required to have experienced a decrease in revenue by at least 25%.

Additional information can be found at or

Please be on the lookout for additional information via email or here on our website. We remain committed to helping you understand what programs are available to help your business get through these difficult economic times. 

Click here to visit the FCCB PPP Loan Application Portal.

The First Citizens Paycheck Protection Program (PPP) Loan Forgiveness Application Portal is Now Open 

We are pleased to announce that the First Citizens loan forgiveness application portal is now open and can be accessed at If you cannot access this site, please contact your First Citizens lender at (800) 326-9486. By beginning this process now, you will be well within the SBA timeline for submission of forgiveness. 

Below is additional information to assist you with a successful application process. Please refer to for a complete list of requirements, instructions, and forms.

  • Your SBA Loan number can be found on the top of the first page of your PPP Note.
  • Your Tax ID number - If you are a sole proprietor, your loan was most likely issued using your social security number and not the Tax ID number of your business.
  • The Loan disbursement date is listed on your note.
  • Compile, scan, and upload your documentation for Payroll Expenses, including:
    • Bank Account Statements or third-party payroll service provider reports documenting the amount of cash compensation paid to employees.
    • Tax forms (or equivalent third-party payroll service provider reports) for the periods that overlap with the Covered Period or the Alternative Payroll Covered Period.
    • Payroll tax filings reported, or that will be reported, to the IRS (typically Form 941).
    • State Quarterly business and individual employee wage reporting and unemployment insurance tax filings reported, or that will be reported, to the relevant state.
    • Payment receipts, canceled checks, or account statements documenting the amount of any employer contributions to employee health insurance and retirement plans that the borrower included in the forgiveness amount.
  • Compile, scan, and upload your documentation for Non-Payroll Expenses (that were incurred or paid during the covered period and showing that obligations or services existing prior to February 15, 2020), including:
    • Business mortgage interest payments – Copy of lender amortization schedule and receipts verifying payments, or lender account statements.
    • Business rent or lease payments – a copy of the current lease agreement and receipts or canceled checks verifying eligible payments.
    • Business utility payments – copies of invoices and receipts, canceled checks, or account statements.

For a list of frequently asked questions, please visit Or, feel free to reach out to your lender at (800) 326-9486.

Coronavirus Updates

We continue to closely monitor updates from a variety of sources, including the CDC and the states in which we operate, for guidance related to the Coronavirus. The frequently changing guidelines from these organizations continue to impact the business community.  In response, we continue to adjust our business practices to ensure we effectively balance the health and safety of our employees and customers with the need for banking services.

Here’s What’s Changing at FCCB

  • Adjustments to Operating Hours - All FCCB branches are open in one form or another. At this time, using our drive-up banking lanes where available is the preferred option for your safety and ours. 
    • The lobby hours for any office that has drive-up banking are being reduced effective Friday, 11/27/20. Access to the lobby during other hours will be by appointment only.  Drive-up hours in these offices will remain unchanged. Please click here to see our current office hours by branch location.
    • Offices without drive-up banking will maintain their normal banking hours.
  • Limited Occupancy - The occupancy limit for our lobbies has been set to 10%. This means the door may be locked due to customer traffic during busy periods. Please be patient. You will be able to enter the lobby once another customer exits.
  • Mask Requirement – In accordance with state requirements, we are requiring all customers and employees to wear a mask in our offices. If you do not have a mask, a disposable one will be provided to you. If you choose not to wear a mask, please use our drive-up banking lanes or online banking.

Bank Safely with Digital Services

There are convenient ways to access your funds without personal contact. We strongly encourage customers to use our digital banking tools to transact routine banking.

  • NetTeller Online Banking allows you to check balances and transactions, and make transfers… all from your computer, laptop or smart phone. Make deposits right from your smart phone with Mobile Deposit. If you are not currently enrolled in NetTeller, please call (800) 326-9486 to enroll.
  • ATMs are available 24-7 for withdrawals, deposits, transfers and balance inquiries.
  • Automated Bank by Phone – Call (888) 457-3262 for balances, transactions, to make transfers or pay your loan. It’s easy to set up!
  • Drop your deposit into our Night Deposit Drop Box and we’ll mail you a receipt.

Safety & Accessing Deposits

Your money is insured by the FDIC. Deposits with an FDIC-insured bank will continue to be protected up to at least $250,000. The FDIC has a number of deposit insurance resources to help customers determine their deposit insurance coverage. All can be found at or by calling (877) 275-3342. The currency needs of banking customers will continue to be met by the Federal Reserve System and we will continue to ensure that you have access to funds either directly or electronically.

If you have additional questions about our practices, hours of service or how to get started with our digital banking tools, please call (800) 326-9486 or contact your local office.  

Reliable Sources of Information

Common COVID-19 Scams and Fraud

Fraudsters never sleep and are using the fear and uncertainty of the Coronavirus to their advantage. Don’t get caught in one of these scams.

  • Phishing and Supply Scams - Scammers impersonate health organizations and businesses to gather personal and financial information or sell fake test kits, supplies, vaccines or cures for COVID-19.
  • Stimulus Check or Economic Relief Scams – The government will soon be issuing payments as part of the Stimulus Package to help ease the economic impact of the virus. However, the government will NOT ask for a fee to receive the funds, nor will they ask for your personal or account information.
  • Charity Scams - Fraudsters seek donations for illegitimate or non-existent organizations related to the virus.
  • Delivery of Malware - Through “virus-tracking apps” or sensationalized news reports.
  • Provider Scams - Scammers impersonate doctors and hospital staff and contact victim claiming to have treated a relative or friend for COVID-19 and demand payment for treatment.
  • Bank/FDIC Scams - Scammers impersonate FDIC or bank employees and falsely claim that banks are limiting access to deposits or that there are security issues with bank deposits.
  • Investment Scams- Often styled as “research reports,” claiming that products or services of publicly traded companies can prevent, detect, or cure COVID-19.
  • Visit the FBI's Internet Crime Complaint Center at to report suspected or confirmed scams. 

What We’re Doing

  • We have discontinued business travel to events and all in-person group meetings within the bank.  Employee meetings will be held virtually or by phone.
  • Many of our employees who can work remotely are doing so from the safety of their homes.
  • Comprehensive cleaning and sanitization protocols are in place for all of our facilities, especially high touch surfaces such as ATMs.
  • We've added sneeze guards to our teller lines and hand sanitizer and gloves are available throughout the company.