COVID-19 Update

To access your approved PPP Loan Application in our secure portal, click here.

Please contact the Business Banking Customer Service line at 203-462-4855, or your personal Business Banker for more information.

With the increasing concern regarding COVID-19, First County Bank wants to assure our valued customers that we are monitoring the developing situation and have resources in place to provide you with continued service. As your trusted community Bank, we are taking actions to keep our branches safe and clean for you, our employees, and the community at large.

At First County Bank, we’re thinking of you and your loved ones during this challenging time.

For so many of us, the COVID-19 surge has left a wake of uncertainties and questions. While much still remains unknown, I wanted to reach out and tell you what we do know.

We know the power of strength, community, and resiliency.

Since our founding in 1851, we, along with our communities, have weathered some of the most challenging times in history. During the 2008 financial crisis and subsequent great recession, First County Bank served as a source of strength to the community by assisting our customers during those challenging times. Today, in a period of unprecedented challenges and disruptions to our daily lives, I am proud to say that First County Bank is not just standing strong for you – but with you.

We remain a financially sound community bank with robust capital reserves and ample liquidity. Our institution was built on a solid foundation of financial strength, performance – and trust. Our team has made the necessary preparations to ensure the safety and accessibility of your money. We are here to understand the current challenges you are facing and create personal solutions to solve them. If you find yourself dealing with financial difficulties during this time, we encourage you to reach out and learn how we may be able to help. Our CustomerFirst Contact Center is available by phone at 203-462-4400, Monday through Friday from 8:30 a.m. to 4:30 p.m..

Although some of the ways we serve you may have changed over the past few days, our commitment to being here for you – and doing right by you – will never change.

At First County Bank, it’s where you belong, and together we stand strong.

Sincerely,

Robert J. Granata,
Chairman and Chief Executive Officer

Financial Assistance: PPP Loan Forgiveness Information

During this time of uncertainty and market volatility, it is our priority to ensure our customers and our communities at large know that we are here to support them.

We are no longer able to accept applications for the Paycheck Protection Program (PPP).  SBA has notified us that PPP funding has been exhausted.

Small Business Guidance and Loan Resources

The programs and initiatives provided by the Small Business Administration (SBA) are intended to assist business owners with needs that have arisen as a result of the national impact from COVID-19.

Paycheck Protection Program (PPP) Loan Forgiveness Information

First County Bank is now ready to accept your Paycheck Protection Program (PPP) Loan Forgiveness Application electronically, through our secure online portal. We will not be accepting paper applications. In order to access the application in the portal, you will need to have these three (3) pieces of identifying information:

    • Your SBA Loan Number
    • Your Tax ID or EIN# that was used on your PPP Loan Application
    • The loan amount you received

Please also make sure that you have the supporting documentation for payroll and non-payroll costs to upload into the portal. Detailed step-by-step instructions are available in the portal. We strongly recommend that you consult with your CPA and/or payroll service provider for assistance.

For customers that received PPP loans less than or equal to $150,000, please choose the streamlined application path in the portal, using SBA FORM 3508S. There will be a question that prompts you: “Would you like to complete the 3508S version of the forgiveness application?” Please answer: “Yes”.

Once we receive your completed Loan Forgiveness Application, First County Bank has 60 days to review the completed application and supporting documents and submit our decision to the SBA. The SBA then has 90 days to approve the forgiveness amount. We will continue to monitor changes in the guidance from both the SBA and the U.S. Treasury, and will incorporate changes as appropriate to the Forgiveness Application process.

If you do not have your SBA Loan Number, please contact our CustomerFirst Contact Center at 203-462-4400, your Business Banker, or the Business Banking Customer Service line at 203-462-4855, and we will provide your SBA Loan Number.

For additional information and resources on the Paycheck Protection Program (PPP), visit the Paycheck Protection Program Flexibility Act of 2020, the U.S. Department of the Treasury website and the SBA website.

SBA Economic Injury Disaster Loan (EIDL) and Emergency Economic Injury Grants are programs offered by the SBA. An EIDL can help you to meet your broader emergency funding needs. An Emergency Economic Injury Grant can provide a quick infusion of cash (up to $10,000). Access these programs and apply directly with the SBA.

For more information view The Small Business Owners Guide to the CARES Act.

Scam Alert

As of December 1, 2020, the Small Business Administration (SBA) was ordered to release public data about Paycheck Protection Program (PPP) loans. Specifically, borrowers’ names, addresses, loan amounts and lenders have been publicized. Please be aware that third parties that are NOT affiliated with First County Bank may attempt to use this data to market to you or even to commit fraud. Any communications regarding your PPP loan and the forgiveness process will come directly from First County Bank. Please do not share your personal or private financial information if solicited by phone or email unless you are absolutely sure of the integrity of the source. If you have any doubts about the authenticity or purpose of PPP Program related messages, please contact your Loan Officer, or call Business Banking immediately at 203-462-4855.

Loans

Residential Mortgage and Consumer Loan Customers

You may be eligible for various types of loan payment assistance, including loan payment deferrals, without a negative impact on your credit report. If you experience difficulty in making your loan payment for a COVID-19 related issue, please contact our CustomerFirst Contact Center during regular business hours at 203-462-4400 or send an email to sag@firstcountybank.com.

Business Loan Customers

If you have questions about your business loan payments contact your Loan Officer or send an email to businessbanking@firstcountybank.com with your preferred contact information.

For almost 170 years, First County Bank has proudly supported the communities where we live and work. We will continue this commitment as we work to keep our employees, customers and communities safe in this challenging environment.

Should you have any questions, please contact the CustomerFirst Contact Center during regular business hours at 203-462-4400, or call the number listed on our branch location page to speak directly with your local branch.

For additional information regarding submitted PPP Loan applications, please contact our CustomerFirst Contact Center at 203-462-4400 (weekdays 8:30am-4:30pm) or any of our branches.

As part of the Coronavirus Aid Relief and Economic Security Act (CARES Act), the U.S. Federal Government has approved a second stimulus plan and has begun providing Economic Impact Payments (stimulus payments) to eligible persons. Automatic distribution of funds will begin on January 4, 2021 and continue over the course of the next few weeks. 

Eligible individuals will receive funds from the Internal Revenue Service (IRS) as follows:

  • By automatic deposit directly to the same bank account you use for tax filing purposes; or
  • If you did not give the IRS direct deposit account information and are eligible you will receive a U.S. Treasury check.

For detailed information about eligibility, requesting, calculating and receiving payments, go to the IRS Economic Impact Payment Information Center website.

To check the status of your payment, payment type (direct deposit or paper check) and to set up direct deposit account information, go to the IRS Get my Payment website.

When you visit the branch

Individuals fully vaccinated against COVID-19 are no longer required to wear a mask indoors following guidance from the CDC and the State of Connecticut.

If you are not fully vaccinated, a mask or face covering is required for entry. Please continue to maintain 6-feet social distancing at all times.  If you are unable to meet these requirements we welcome serving you at the drive-up window.

Banking From Home: Online and Mobile Banking Resources

We strongly encourage you to use First County Bank’s online and mobile banking resources for self-service banking and 24/7 account access. You can access your accounts online at your convenience.

If you are not already registered, enroll in online banking and download the First County Bank mobile app.

  • Check balances and transfer money between accounts
  • Deposit checks using Mobile Check Deposit
  • Use bill pay to pay your bills
  • Open an account
  • Find an ATM or Drive-up Window

You can reach our CustomerFirst Contact Center during regular business hours at 203-462-4400 for assistance with your banking needs, or view our banking access guide.

For our Business customers, Cash Management Services is available to assist with all your business banking needs or click here for our business banking access guide. To connect with a Cash Management Services representative, please call 203-462-4379 or email cashmgmt@firstcountybank.com.