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Paycheck Protection Program (PPP)
Updated September 1, 2021

The FNBO portal is open for First Draw and Second Draw forgiveness applications.

The PPP customer portal is open to apply for PPP Forgiveness electronically for First and Second Draw loans. You must formally apply 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 start paying back the full amount of your loan in the future. It’s very important that you apply for forgiveness unless you plan to repay your loan in full.

Small Business owner

Ready to Apply for Second Draw Forgiveness?

The PPP customer portal is now open for Second Draw loan forgiveness applications. You must formally apply 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 start paying back the full amount of your loan in the future. It's very important that you apply for forgiveness unless you plan to repay your note in full.

If all or a portion your loan is not forgiven, you will need to pay the loan back with your own money - payments will begin per the executed loan documents signed at the time you received funding.

Please note:

No hard copy form submissions will be accepted.

As part of your online forgiveness application, you will select a “Covered Period” – anywhere between 8 and 24 weeks.

  • You can apply for forgiveness after all loan proceeds for which you are requesting forgiveness have been used, a minimum of 8 weeks has lapsed since funds were received and after your chosen covered period end-date has passed.
  • If you do not apply for loan forgiveness within 10 months after the last day of the maximum covered period of 24 weeks, or if SBA determines that the loan is not eligible for forgiveness (in whole or in part), the PPP loan is no longer deferred and you must begin paying principal and interest.

Second Draw Forgiveness 3508S Applicants ($150,000 and under):

In general, applicants must demonstrate that gross receipts in any calendar quarter of 2020 were at least 25% lower than the same quarter of 2019. Alternatively, Applicants may compare annual gross receipts in 2020 with annual gross receipts in 2019 if they were in business in 2019.

  • You will need to upload your 25% revenue documentation and nothing else.
  • The following are the primary sets of documentation Applicants can provide to substantiate their certification of a 25% gross receipts reduction (only one set is required):
    • 2019 and 2020 Annual IRS income tax filings of the entity – required if using an annual reference period (e.g. a Sole Proprietor or Independent Contractor would provide Schedule C or F documentation). If the entity has not yet filed a tax return for 2020, the Applicant must fill out the return forms, compute the relevant gross receipts value, and sign and date the return, attesting that the values that enter into the gross receipts computation are the same values that will be filed on the entity’s tax return.
    • 2019 Quarter over 2020 Quarter (calendar) financial statements for the entity. If the financial statements are not audited, the Applicant must sign and date the first page of the financial statement and initial all other pages, attesting to their accuracy. If the financial statements do not specifically identify the line item(s) that constitute gross receipts, the Applicant must annotate which line item(s) constitute gross receipts.
    • Quarterly or monthly bank statements for the entity showing deposits from the relevant quarters. The Applicant must annotate, if it is not clear, which deposits listed on the bank statement constitute gross receipts (e.g., payments for purchases of goods and services) and which do not (e.g., capital infusions).

Please log into the portal and select “Apply” to enter your information electronically. Click here to access the PPP customer portal The SBA requires the Borrower maintain supporting documentation in the event the SBA requests additional information or initiates an SBA Review.

Second Draw Forgiveness 3508EZ and 3508 Applicants (over $150,000):

  • You will need to upload applicable supporting documentation.  Please see below for more information about acceptable Payroll and Nonpayroll Expenses.
  • For Second Draw loans only - you may not need to upload 25% reduction documentation if you did so at the time you applied for your Second Draw PPP loan – please ensure you have already uploaded appropriate 25% reduction documentation which may include signatures and initials where applicable.  If FNBO determines additional 25% reduction documentation is necessary at time of forgiveness we will request the additional information.

Forgiveness applications and required documentation information are available at the following links for reference as you prepare to submit an online application. Note: All information will be entered digitally into our customer portal, paper forms will not be accepted.

  • Form 3508 and required documentation on page 6 of application instructions.
  • Form 3508EZ required documentation on page 4 of application instructions.
  • Additional SBA loan forgiveness information can be found here.

Make sure the documents you submit with your application are:

  • Easy to read
  • Remove any password requirements from your files
  • Have file names less than 40 characters
  • Don't include special characters in the file name

Acceptable file formats include PDF (which is preferred), XLSX, JPG or PNG. For all application types, you will need to document your payroll and non-payroll expenses as applicable.

Please log into the portal and select “Apply” to enter your information electronically. Click here to access the PPP customer portal

Acceptable documentation for payroll and nonpayroll expenditures per the SBA application instructions are as follows (only applicable for 3508EZ and 3508 – over $150,000):

Payroll Expenses:

Documentation verifying the eligible cash compensation and non-cash benefit payments from the Covered Period consisting of each of the following:

  • 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:
    • Payroll tax filings reported, or that will be reported, to the IRS (typically, Form 941); and
    • 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, cancelled checks, or account statements documenting the amount of any employer contributions to employee group health, life, disability, vision or dental insurance and retirement plans that the Borrower included in the Requested Loan Forgiveness Amount.

Nonpayroll Expenses: You will need to submit documentation verifying existence of the obligations/services prior to February 15, 2020 and eligible payments from the Covered Period. This includes:

  • Business mortgage interest payments: Copy of lender amortization schedule and receipts or cancelled checks verifying eligible payments from the Covered Period; or lender account statements from February 2020 and the months of the Covered Period through one month after the end of the Covered Period verifying interest amounts and eligible payments.
  • Business rent or lease payments: Copy of current lease agreement and receipts or cancelled checks verifying eligible payments from the Covered Period; or lessor account statements from February 2020 and from the Covered Period through one month after the end of the Covered Period verifying eligible payments.
  • Business utility payments: Copy of invoices from February 2020 and those paid during the Covered Period and receipts, cancelled checks, or account statements verifying those eligible payments.
  • Covered operations expenditures: Copy of invoices, orders, or purchase orders paid during the Covered Period and receipts, cancelled checks, or account statements verifying those eligible payments.
  • Covered property damage costs: Copy of invoices, orders, or purchase orders paid during the Covered Period and receipts, cancelled checks, or account statements verifying those eligible payments, and documentation that the costs were related to property damage and vandalism or looting due to public disturbances that occurred during 2020 and such costs were not covered by insurance or other compensation.
  • Covered supplier costs: Copy of contracts, orders, or purchase orders in effect at any time before the Covered Period (except for perishable goods), copy of invoices, orders, or purchase orders paid during the Covered Period and receipts, cancelled checks, or account statements verifying those eligible payments.
  • Covered worker protection expenditures: Copy of invoices, orders, or purchase orders paid during the Covered Period and receipts, cancelled checks, or account statements verifying those eligible payments, and documentation that the expenditures were used by the Borrower to comply with applicable COVID-19 guidance during the Covered Period.

How do I check the status of my forgiveness application after I submit it?

  • Simply logon to the FNBO PPP portal using your username and password to view your PPP loan dashboard. You may check your forgiveness application status at any time by clicking on your loan application card found at the top right of the page (click the little blue carrot).
  • Application Received: Your online application has been successfully submitted. Please be sure to upload documents, if needed.
  • Application Review: FNBO is reviewing your application and documents, if any. Our reviewer will reach out with any questions. This review may take up to 60 days.
  • SBA Submission: Following FNBO approval, your application is submitted to the SBA. This review may take 90 days or more.
  • Forgiveness Complete: The forgiveness review process is complete. See the accompanying Status for additional detail.
Small Business owner

Ready to Apply for First Draw Forgiveness?

Then you're in the right place. Once your covered period is over, you have ten months to apply for First Draw PPP Forgiveness.

The FNBO customer portal is open to First Draw Forgiveness.

Information from the following forms will be entered into the online portal:

  • Form 3508S – for loans $150,000 or less, a simple one-page attestation requiring basic employee and payroll information.
  • Form 3508 and Form 3508EZ – for loans of more than $150,000

You can prepare by reviewing the forms and ensuring you’re ready to enter the information digitally into the portal.

On February 5, 2021, the SBA released a new Interim Final Rule, consolidating prior rules and incorporating PPP changes resulting from the Economic Aid Act. We encourage you to review this rule as there are a few key considerations for first round PPP Forgiveness including the opportunity to select an 8- or 24-week Covered period, clarity on when payments on PPP loans will begin and details on the application forms and additional allowable covered period expenditures. 

PPP Forgiveness Application Timing

Borrowers can apply for forgiveness any time up to the maturity date of the loan. However, if you do not apply for forgiveness within 10 months after the last day of your selected 8- or 24-week Covered Period, then PPP loan payments are no longer deferred, and you will begin making loan payments.

Timing Examples

Following are examples of the forgiveness application timing requirement. Dates differ based both on the Loan Disbursement Date and the Covered Period selected (either 8- or 24-weeks). You will indicate your selected Covered Period on your electronic forgiveness application.

8-Week Covered Period

4/15/20 – Loan Disbursement Date

6/9/20 – End of 8-Week Covered Period

4/9/21 – Final Date Forgiveness Application can be submitted to FNBO before payments are no longer deferred.

24-Week Covered Period

4/15/20 – Loan Disbursement Date

9/29/20 – End of 24-Week Covered Period

7/29/21 – Final Date Forgiveness Application can be submitted to FNBO before payments are no longer deferred.

Following the forgiveness application submission, lenders have 60 days to review and submit to the SBA. The SBA has 90 days to review upon receipt from the lender, though in many cases currently, the SBA review has exceeded 90 days.

How do I check the status of my forgiveness application after I submit it?

Simply logon to the FNBO PPP portal using your username and password to view your PPP loan dashboard. You may check your forgiveness application status at any time by clicking on your loan application card found at the top right of the page (click the little blue carrot).

  • Application Received: your online application has been successfully submitted. Please be sure to upload documents, if needed.
  • Application Review: FNBO is reviewing your application and documents, if any. Our reviewer will reach out with any questions. This review may take up to 60 days.
  • SBA Submission: Following FNBO approval, your application is submitted to the SBA. This review may take 90 days or more.
  • Forgiveness Complete: The forgiveness review process is complete. See the accompanying Status for additional detail.

For more details on PPP Forgiveness, please see this information from the SBA.  

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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:

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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’sKeep updated with our branch statuses.
  • 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.
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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