Letter to our clients from Dean J. Miller, President / CEO
March 31, 2020 – The coronavirus (COVID-19) pandemic is a constantly changing situation across the globe. We have never faced anything like this in modern times. Our lives have changed drastically over the last few weeks as we work to minimize the impact of the pandemic. We assure you, as your community bank, we are here for you. Our primary concern is for the health and safety of our employees, customers, and communities.
First National Bank, and First Bancshares, Inc., the holding company of First National Bank, are financially strong and well-positioned to support you. For 145 years, we have navigated many economic cycles without a disruption in providing clients with access to their funds and I have complete confidence this will continue.
As we continue to face unknown challenges, First National Bank remains committed to work to provide the resources and quality customer service you rely upon. I personally thank you for trusting your banking services with us through this crisis.
If you’ve been financially impacted by COVID-19 and need help, we have customized solutions available.
We also are providing resources to help you protect yourselves from scammers and cybercriminals who may try to take advantage of you during the crisis. (See below)
First National Bank is here to serve you. Please contact 419-483-7340 if you have any questions. Thank you for making First National Bank “Your Bank of a Lifetime”.
Dean J. Miller
President / CEO
COVID-19 Hardship Relief Assistance Program
First National Bank is enacting hardship relief assistance for clients experiencing financial difficulty as a result of COVID-19. We are not assessing late charges on all loans and credit cards until further notice.
Additional programs include the consideration of fee and penalty waivers, loan deferrals or other scenarios that may help our customers. To learn more about these programs, please contact your local banker.
*Mortgage and home equity loans are available to be deferred for the next 90 days
*90-day, interest-only payments are available on a case by case basis, if preferred
*Vehicle payments and all other consumer term loans are available to be deferred for next 90 days
*Repossession actions on vehicles are suspended for the next 90 days
*Foreclosure activity on homes is suspended for the next 90 days
*No penalty on early withdrawals on Certificates of Deposit
Message to Customers: Lobby Access Limited to Appointment Only
March 19, 2020 – These are unprecedented times, and we all must do our part to contribute to the common good. At First National Bank, we are committed to serving the financial needs of our community while protecting the health of our employees and our customers.
First National Bank will be limiting access to branch lobbies effective Saturday, March 21, 2020.
During this time, we will be serving our customers and clients through our drive-thru facilities and by appointment only. Your banker will be available to assist you, by appointment, for additional services as needed – safe deposit box access, opening new accounts, loan applications, etc. Please call your local branch to schedule an appointment.
In an effort to limit face to face contact and reduce risk as much as possible, we are encouraging you to call and email your banker to see if your needs can be handled remotely. We will continue to work diligently to provide you with the quality service you have come to expect from First National Bank.
We recognize these are challenging times filled with uncertainty. First National Bank wants you to know that you will continue to have full access to your accounts and that your bank and money is safe and secure.
To make an appointment, please contact your local branch:
*Port Clinton: 419-734-7340
The Put-In-Bay branch will remain open on Wednesdays from 9:30am until 3:30pm but we will be limiting the number of customers in the lobby at one time.
Drive-thru service will continue as normal. Drive Thru Hours are:
*Bellevue: Monday – Friday 8:30am – 5:00pm. Saturday: 8:30am – 12:00pm
*Catawba: Monday – Friday 8:30am – 5:00pm. Saturday: 8:30am – 12:00pm
*Clyde: Monday – Friday 8:30am – 5:00pm. Saturday: 8:30am – 12:00pm
*Fremont: Monday – Friday 8:30am – 5:00pm. Saturday: 8:30am – 12:00pm
*Port Clinton: Monday – Friday 8:30am – 5:00pm. Saturday: 8:30am – 12:00pm
*Sandusky: Monday – Friday 8:30am – 5:00pm. Saturday: 8:30am – 12:00pm
First National Bank offers convenient solutions to banking without a branch for 24/7 account access. Through these channels you can check balances, transfer funds, make payments, and deposit checks.
*Telephone HomeBanker Available Anytime 1-800-328-3623
*Deposit capabilities at all FNB Branch’s Night Depositories
*Remote Deposit Capture for commercial clients
If you need help accessing any of these services, please feel free to call one of our convenient offices for any guidance.
Thank you for your understanding as we work together to help our communities stay healthy and strong. First National Bank is here for you. Please contact us at 419-483-7340 if you have any questions. Thank You for making First National Bank “Your Bank of a Lifetime”.
Bellevue, Catawba, Clyde, Fremont, Port Clinton, and Sandusky Branches are Drive-Thru Only. Lobby Access by Appointment Only.
Monday – Friday 8:30am – 5:00pm Saturday 8:30am – 12:00pm
Put-In-Bay: The Put-In-Bay branch will remain open on Wednesdays from 9:30am until 3:30pm but we will be limiting the number of customers in the lobby at one time.
The Night Drop Has Become the Unlimited Drop
We have continual monitoring of all transactions in the night drop. So, feel free to use the night drop box (unlimited box) if the drive-thru lines are long.
Important Fraud Reminder
COVID-19 could increase the activities of cyber criminals who take advantage of the public’s concerns. Criminals look for ways to gain access to your account. As a reminder, First National Bank will never ask its customers to provide full social security numbers, account numbers, or passwords by phone, email or text.
COVID-19 Security Resource Library
The National Cyber Security Alliance (NCSA) and its partners have created a resource library that has ways to stay safe online, as well as how to avoid cyber threats and scams during this pandemic. The website is updated regularly with information on current scams, cyber threats, working from home, and more. Click here for the website.
FNB Offers Moneypass – A Network of ATMs
First National Bank offers access to the MoneyPass ATM Network with access to more than 32,000 ATMs without a surcharge fee. Finding a surcharge-free MoneyPass ATM couldn’t be easier with the MoneyPass ATM Locator app! With two convenient search options, you can find a MoneyPass ATM by entering an address, zip code or using your current location.
Click here to learn more or ask us for more information.
Online Account Opening is Now Even Easier
Life is so busy. Can’t make it to a branch? Great news!!!! We just made the online account opening even easier. Click here to open your personal account today.
Have you tried P2P Person to Person Payment?
FNB is now offering P2P Person to Person Payment. You can send money directly to friends and family as fast as life happens. Pay a neighbor, your best friend, a babysitter, almost anyone you know and trust at no additional cost to you. Your money moves securely through FNB’s online banking or your mobile app.
P2P is Quick: Move money straight from your account to theirs in real time.
P2P is Simple: Send money to almost anyone you know and trust with a bank account.
P2P is Secure: Keep your money safe by using FNB’s Online Banking with P2P.
P2P is Reliable. You won’t have to worry about carrying cash or dealing with checks to pay friends or family. P2P provides electronic notification of a payment and eliminates the possibility of your getting lost in the mail.
Interested in learning more? Our Customer Service Representatives can get you started today! Ask us how!
First National Bank employees are energetic, committed, customer-oriented people. Are you passionate about creating an experience that is unrivaled? First National Bank might have a position for you. Click here to check out our job openings!
First National Bank Announces Plans to Expand into Perkins Township
We are expanding into Perkins Township with the purchase of a branch office located at 4000 Milan Road in Sandusky. The bank anticipates to be open for business in August of 2020 at that location. An office in Perkins Township will expand our footprint in the Erie County market which has been a priority of the Bank’s strategic plan for several years. This latest addition along the State Route 250 corridor will further provide our customers greater accessibility to banking services that meet their financial needs. To read the entire article click here.
FNB Receives National Attention
First National Bank is receiving national attention for our innovation in marketing using Alexa. There are only 15 banks that have Alexa skills available for download – and FNB is one of them. Check out this article in the ABA Banking Journal.
Don’t forget to “Ask Alexa, Open First National Bank”. Echo/Alexa users should “enable” the First National Bank skill on Amazon Echo App or device (you only have to do this one time) and then say: Alexa, ask First National Bank. or Alexa, tell First National Bank. or Alexa, open First National Bank.