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Business Owner
Throughout our history we have helped our customer families and community families through challenging circumstances. Given the current situation surrounding the Coronavirus, we recognize that many are facing financial hardships as a result of illness or business interruption.

Business Relief Solutions

First National Bank and Trust is Here to Help

We've stepped up initiatives to help lessen the burden on our customers. 

  • Business ownerSuspension of late fees – We will be suspending all late fees through July 31 to give customers a chance to adjust to changing business arrangements.
  • Suspension of minimum balance requirements  -We will be suspending the monthly fall below fees through July 31 for the following products:
    • Business Money Market Accounts
    • Business Savings Accounts
  • Suspension of Non-FNBT ATM Fees* - We are suspending our fees through July 31, to FNBT customers for using other banks’ ATMs.  
  • Suspension of additional fees – Through July 31, we are suspending excess items fees for savings and money market accounts, telephone transfer fees and overdraft automatic transfer fees from savings and lines of credit.
  • Suspension of Safe Deposit Box Drilling – We will not be initiating any safe deposit box drilling for non-payment of rental at this time.
View more information on FNBT's Consumer Relief efforts.

Paycheck Protection Program 

The Paycheck Protection Program (PPP), a provision of the CARES Act, offers forgivable low-interest loans to small businesses facing uncertainty during the COVID-19 emergency, so you can retain workers, maintain payroll, and cover certain other existing overhead costs. Customers who received funding through the SBA PPP may be eligible to request loan forgiveness. Learn more here >>

Small Business and Commercial Loans

If you have a First National Bank and Trust (FNBT) loan and need assistance, we are here to help. In this rapidly changing environment, please reach out to your Relationship Manager directly or call us at 800.667.4401 and we will put you in touch. We will offer options for your unique situation. 

Government Small Business Grant and Loan Programs

The Small Business Association (SBA) provides a number of loan resources for small businesses. Learn more here >>

SBA Economic Injury Disaster Loans

The Small Business Administration’s (SBA) Economic Injury Disaster Loans (EIDLs) have always been available in times of need, however, this is the first time a pandemic event has been defined as a disaster. Because of that declaration, businesses in every state and territory are now eligible to apply for Economic Injury Disaster loans.

The EIDL programs are not run directly through any bank, including FNBT. You must apply directly with the SBA Disaster Assistance officeclick here to get started


We will continue to evaluate our relief program including options to extend or expand as the situation evolves in the coming weeks.


*FNBT, MoneyPass® and AllPoint® ATM use is free for First National Bank and Trust customers. ATM owners outside of the FNBT, MoneyPass, and AllPoint networks may charge a fee. Balance inquiry and international fees may apply.