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Paycheck Protection Program (PPP)

Updated November 22, 2022

FNBO is accepting First Draw and Second Draw forgiveness applications.

FNBO is still accepting applications for First and Second Draw forgiveness, please contact us using this link and a PPP associate will be in contact with you to provide support and guide you through the forgiveness application process. You must formally submit an application to be considered for forgiveness – if you qualify you may not owe anything on your loan. If you do not apply, you will be required to pay back the full amount of your PPP loan. It’s very important that you apply for forgiveness unless you plan to repay your loan in full.

*If you have already applied for forgiveness and would like copies of your forgiveness application(s) and/or have any other questions related to PPP please contact us using this link and a PPP support person will contact you and provide assistance.

Business Support Team

Our team of experts are ready to help you with experience and support you've come to expect. There are a variety of ways you can get the answers you need.

For non-urgent needs, we ask that you:

For urgent needs, we’re ready to assist you:

Payments, Deposits & More.

Wherever you are, there are many ways you can make and receive payments, deposit money to your account or get cash. These capabilities are here to improve your banking experience and help you do more.

  • Online Banking: Manage your accounts online 24/7 and receive secure messages and alerts. The enrollment process usually takes less than 2 business days.  To enroll, get started here.
  • PayMaker: You can digitally send and receive business payments from anywhere (check or ACH) through our payments platform, PayMaker. PayMaker also gives you the ability to convert your payments to ACH and removes the need to manually mail or receive payments by check. Enroll in 5 minutes or less under the “Pay & Get Paid” tab on your online banking dashboard.
  • ACH Transfers: If you’re not enrolled in PayMaker, be sure you have a contingency plan for submitting and approving ACH and wires, including the possibility of writing checks.
  • Branch Drive Thru: You can still bank with us at your local branch with our drive thru services during operating hours. And, you can also deposit checks or cash 24/7 at our deposit accepting FNBO ATM’s.
  • Mobile App Deposits: In response to COVID-19, we have increased mobile app deposit limits for business customers.  View your increased deposit limit in the “Make a Deposit” section in your mobile app.  To enroll in Business Mobile Banking, go to the “Services” tab on your online banking dashboard. From there, you can enroll your business and download the app.
  • Cash Vault Services: Cash Vault Services are designed for businesses that make frequent deposits of cash and checks or require a continuous inventory of coin and currency. You can make sure you have enough cash on hand, and that your deposits are processed securely and on-time with Cash Vault Services.
  • Fraud Protection: Consider adding fraud prevention tools and alerts to your account. You can customize account alerts under the “Account” tab on your online banking dashboard and add fraud prevention under the “Administration” tab.

Manage Your Accounts Online

As social distancing takes effect, it's paramount to enroll your business in online banking and payment tools if you haven't already. Complete the enrollment form and we will notify you when the enrollment process is complete on our end, usually within 1 business day. Then you’re good to access your new online account!

  • Setup account alerts with a variety of alert settings
  • Add additional products and services at any time
  • Send secure messages to our support team 24/7
  • Conveniently make payments and transfers