As of Noon today (November 30, 2020), Kentucky restaurants and bars can begin applying for relief funds. This comes as a result of a $40 million fund using federal coronavirus relief funds created by Governor Andy Beshear. This executive order comes after the recent closing of Kentucky restaurants and bars again to in-person dining for three weeks. Eligible businesses include restaurants or bars with less than 50% of their sales coming from drive-thrus and those not owned by a publicly traded company.
The Food and Beverage Relief Fund applications will be on a first come first serve basis. Kentucky Restaurants and Bars will be eligible for up to $10,000 per location with a maximum of $20,000 per business entity. Applications will close when funds are exhausted, or on December 18, 2020 at 11:59:59 PM, whichever comes first.
Food and Beverage Relief Fund Information: https://teamkyfbrf.ky.gov/Home.aspx
As COVID-19 health concerns evolve, we want to be transparent with our actions and continue serving you with all your financial needs. While keeping our customers and employees’ health and safety top of mind, we will be again be temporarily redirecting the way we conduct business. Effective Thursday, November 12, 2020, we want to make everyone aware of how FNB Bank, Inc. will conduct businesses until further notice.
The following changes will take place effective Thursday, November 12, 2020:
Lobby Service: All FNB Banking Centers will be providing lobby services by appointment only until further notice.
Drive-Thru Service: All FNB Drive-Thru’s will be open regular business hours.
The decision to keep our lobbies closed will be evaluated on a week by week basis, based on virus numbers and health and government recommendations. The health and safety of our employees and customers is our top priority and we appreciate your understanding of these adjustments.
Facemasks are Required for Lobby Banking
Beginning Friday, July 10 at 4PM, in accordance with an emergency mandate from Kentucky Governor Andy Beshear, a mask must be worn when conducting business inside any FNB banking facility. If patrons prefer to bank without a mask, FNB’s drive-thru and digital banking services are available.
Lobbies and Drive-Thrus to Open on May 26
Beginning Tuesday, May 26, FNB Lobbies will be open for regular business hours. Full-service banking will resume in our lobbies and drive-thrus, while our staff will continue to take extra health precautions. With everyone’s health and safety top of mind, FNB staff will be wearing masks and we ask that everyone practice social distancing while in our offices. We encourage our customers to wear masks while banking inside our lobbies, but it is not required.
For a full list of FNB Banking Centers, ATM’s and hours, click here. We want to encourage you to use FNB’s digital tools and other self-service banking resources, should you want to continue limiting your trips to the bank. You can still open an account or apply for a loan from the convenience of your home. Click here to begin.
As always, our Customer Contact Center is available and ready to help. Please call 888-934-2536 should you have any questions. Our Customer Contact Center hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday. You may also feel free to message us here. Whether you want to bank in our lobby or from your phone, we are here to help you every step of the way. We are excited to see you again beginning May 26. Let’s Start Something Today!
Understanding Scams During the Coronavirus Outbreak
Source Kentucky Bankers Association
1.Be Wary of Early Access
Economic Impact payments may come at any time. However, anyone who promises early payment in exchange or personal information or money is likely a scammer. Remember, there is never a fee.
2.Never Give Personal Information Over the Phone
Consumers do not need to take any action to receive the economic impact payment. The government will not call you to ask for personal information such as your bank account number or social security number. If you receive a call asking for such information, hang up immediately.
3.Click with Caution
The government will never correspond through email, social media or text message. If you receive a message with a link asking you to register online to receive an economic impact payment, you are being scammed. Do not click on links or open email attachments from unknown or unverified sources. Check websites before entering.
4.Watch for Suspicious Language
The official term for payments from the IRS is “economic impact payment.” If receive any correspondence using the phrases “stimulus check” or “stimulus payment” it may be a scammer contacting you.
Scammers are sending out fake checks alleging overpayment or the need for additional personal information. The only mail correspondence coming from the IRS with the economic impact payment will be how the payment was made and how to report any failure to receive the payments. Remember, most payments are coming by direct deposit!
6.Never Sign Over your Check
Scammers are asking consumers to sign over their economic impact payment checks to them for preferential treatment. The only transfer of your check should be depositing it at your bank!
7.Seniors and Retirees Beware
Scammers are specifically targeting seniors and retirees. Consumers in these classes should be especially cautious.
If you receive calls, emails, or other communications claiming to be from the Treasury Department and offering COVID-19 related grants or stimulus payments in exchange for personal financial information, or an advance fee, or charge of any kind, including the purchase of gift cards, please do not respond. These are scams. Please contact the FBI at www.ic3.gov so that the scammers can be tracked and stopped.
Fraud involving payment of Federal taxes should be reported to the Treasury Inspector General for Tax Administration.
At FNB, we are continuing to look for ways that we can better serve our customers during these unprecedented times. At this time, we are announcing two additional ways that we are assisting our personal checking and savings customers with waived fees and activity requirements.
For a minimum of 60 days beginning March 27, 2020, FNB Bank will waive the following activity requirements for YourStart Checking accounts:
– One (1) automatic draft/deposit.
– Twelve (12) minimum debit card transactions.
In addition, Beginning March 27, 2020 through May 31, 2020, FNB Bank will waive excess withdrawal fees on Savings and Money Market accounts.1
1Savings and Money Market accounts remain subject to closure for repeatedly exceeding periodic withdrawal limitations. Contact FNB Bank for details.
Understanding Fraud During the Coronavirus Outbreak
Source Kentucky Bankers Association
1. SUPPLY SCAMS
Scammers are creating fake shops, websites, social media accounts, and email addresses to sell medical supplies currently in high demand. When consumers attempt to purchase supplies through these channels, fraudsters pocket the money and never provide the promised supplies.
2. TREATMENT SCAMS
Scammers are offering to sell fake cures, vaccines, and advice on unproven treatments for Covid-19.
3. PAY UP FRONT TO GET FINANCIAL RELIEF
President Trump has instituted several economic relief plans including waived student loan interest, stopped collection of student loan debt, and allowing borrowers to pause student loan payments for 60 days. Scammers are tricking consumers into believing they must first pay a free to receive financial support.
4. FAKE CHARITIES
Scammers are “soliciting donations” for individuals, groups and areas affected by coronavirus that are not connected with a real charity.
5. FAKE STIMULUS CHECKS
Scammers are sending out fake checks to individuals telling them they overpaid but to cash the check and send the “overpayment” to the “government” or they will be penalized on their taxes.
6. PHISHING SCAMS
Scammers posing as national and global health authorities are sending phishing emails designed to trick recipients into downloading malware or provide personal information.
7. INVESTMENT SCAMS
Scammers are offering online promotions on various platforms claiming that the products and services of companies can prevent, detect or cure the coronavirus and that the stock of these companies will dramatically increase in value as a result. These promotions are often styled as “research reports,” make predictions of a specific “target price,” and related to microcap stock or low-priced stocks issued by the smallest of companies with limited public information.
Seven things to consider when you consider withdrawing cash
Source: Kentucky Bankers Association
1. CASH IS VULNERABLE
Your funds in bank accounts are federally insured to $250,000, making them much safer than keeping cash under the mattress or in your pocket.
2. CASH IS NOT REQUIRED
With so many secure ways to access your accounts and to pay your bills and shop, there’s almost no reason you’ll need extra cash.
3. CASH MAKES YOU A POTENTIAL VICTIM
If you have told anyone that you withdrew a large sum of cash, they may have told someone else. That places you at risk of being the victim of a crime, which can place you in harm’s way.
4. CASH DOES NOT HAVE YOUR ID
Stolen cash, even if recovered by the police, does not carry an ID number that associates it with you. Your bank accounts do. Even if your credit cards are misappropriated, you can recover the funds!
5. CASH IS, WELL, KIND OF DIRTY
The Center for Disease Control and Prevention recommends always washing hands thoroughly after handling cash because you never know where it’s been!
6. YOUR CASH IS SAFE
Kentucky Governor Beshear says that your cash is safe in the bank for all of the reasons listed above.
7. CASH WILL BE AVAILABLE
The U.S. Treasurer has already determined that banks are essential service providers. You will have access whenever you need it. We are your bank and we are here for you!
At FNB, we are continuing to look for ways that we can better serve our customers during these unprecedented times. We are happy to offer the following changes and account upgrades:
Effective 3/20/20, Mobile Deposits will be FREE to all personal customers. Now, you may practice social distancing and easily be able to make deposits from the convenience of your home and from the palm of your hand 24/7. In order to utilize our Mobile Deposit service, you will need to download our free Mobile Banking App (available for iPad, iPhone and Android). New Mobile Deposit users will need to complete the registration form and be approved before using the service. *Please note the FNB App is free, but standard rates and fees may apply from your wireless carrier.
Effective 3/20/20, FNB will begin waiving the penalties on early CD withdrawals for retail customers for an initial sixty-day period.
Effective 3/20/20 thru 6/30/20, FNB will be suspending late fee assessments on all existing FNB Bank and FNB Indirect loan customers.
As always, we appreciate your business and want to be there for you during this time. We encourage you to reach out to our Customer Contact Center if you have any questions. Please call 888-934-2536 should you have any questions during this time period. Our hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday. You may also message us here.
As COVID-19 health concerns evolve, we are all adjusting to a new way to work, live, and bank. We understand that hardships have occurred and will continue to, as we all manage through this uncharted territory. We appreciate your business and want to be there for you during this time. Therefore, we are offering a Hardship Assistance Program for our FNB Bank and FNB Indirect loan customers. If you have a home mortgage, personal loan, small business loan, or a loan through FNB Indirect, we are offering a loan assistance program beginning March 19, 2020 until further notice. Please complete our Hardship Assistance Form here and your lender will be in touch with you soon. In the meantime, if you have any questions, please feel free to contact your lender at their direct office number or you may call our Customer Call Center at 888-934-2536.
As COVID-19 health concerns evolve, we want to be transparent with our actions and continue serving you with all your financial needs. While keeping our customers and employees’ health and safety top of mind, we will be temporarily redirecting the way we conduct business in order to follow proper social distancing guidance. Effective Thursday, March 19, 2020, we want to make everyone aware of how FNB Bank, Inc. will conduct businesses until further notice.
The following changes will take place effective Thursday, March 19, 2020:
Lobby Service: All FNB Banking Centers will be providing lobby services by appointment only until further notice.
Drive-Thru Service: All FNB Drive-Thru’s will be open regular business hours. During this time, our Drive-Thru’s will be offering extended services.
For the following Drive-Thru services, please call ahead to place your work order. Lobby pick-up can be arranged as needed.
24/7 Self-Service Options:
Customer Call Center: Our Customer Contact Center is ready to help. Please call 888-934-2536 should you have any questions during this time period. Our hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday. You may also feel free to message us here.
At FNB, the health and well-being of our customers, employees and communities is our top priority. With the impact of the Coronavirus (COVID-19) spreading throughout the country, we want to ensure you that we are taking proper precautions to monitor the situation, protect your best interests, and be responsive to your needs. While the virus has not impacted the communities that we serve at this time, we want to encourage you to use FNB’s digital tools and other self-service banking resources, should you want to limit your trips to the bank while the situation evolves.
The following FNB services allow you 24/7 account access and peace of mind:
As always, the health, safety and well-being of our customers, our employees and our communities is our top concern. We will continue to monitor this quickly evolving situation and are here to assist our customers as needed. Our Customer Contact Center is ready to help. Please call 888-934-2536 should you have any questions during this time period. Our hours are 8 a.m. to 6 p.m. CST Monday-Friday and 9 a.m. to 12:00 p.m. CST on Saturday. You may also feel free to message us here.
To stay informed about COVID-19, please go to http://kycovid19.ky.gov/ and https://www.cdc.gov/ for the most current state and national guidance.
We appreciate your business and want to be transparent with our actions during this situation. Thank you for allowing us to serve you with all your financial needs.