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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.

Stimulus Payment Information

  • Direct deposit files have been sent to banks with the effective date of January 4, 2021.
  • Stimulus checks will begin mailing Wednesday, December 30, 2020, with an effective date of January 6, 2021. 
  • Prepaid cards will start to be mailed on January 4, 2021. 

To research your stimulus payment status, please visit

Here’s What’s Changing at FCCB due to COVID-19

  • 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 smartphone. Make deposits right from your smartphone 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 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.