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COVID-19 Response Update

First Security Bank is closely monitoring the rapidly-changing circumstances related to the Coronavirus (COVID-19). We are working to help ensure the health and safety of our customers, employees, and communities by following the recommendations of the CDC. Rest assured we’ll do everything within our power to continue to provide the Bank Better service you have come to expect from First Security. As always, you may contact your local banking center directly with any questions you may have, or you can call your customer care center at 877-611-3118.

Access All of Your Accounts Safely.

Until further notice, all First Security Bank lobbies will be available by appointment only for transactions that can’t occur by drive-thru, phone, or online banking. First Security offers several ways to access your accounts and conduct transactions without visiting a banking center, including:

Protecting Your Funds

There’s no need to withdraw large amounts of cash or take other extreme financial measures. The best place for your money is in a safe, sound financial institution, where it is insured by the FDIC. You have easy access to the money in your account by using your First Security Debit Card, which provides protection in the event of a loss or unauthorized transaction. Please visit FDIC’s website for more information regarding how your deposits are protected.

FRAUD

Be aware of scams that request personal information through calls, direct mail, emails or texts. Additionally, delete fake emails claiming to be from the Centers for Disease Control or World Health Organization that contain links that, if clicked on, allow fraudsters to steal your information.

Be aware of other scams attempting to exploit COVID-19 worldwide including:

  • Individuals and businesses selling fake cures for COVID-19 online and engaging in other forms of fraud

  • Malicious websites and apps that appear to share virus-related information to gain and lock access to your devices until payment is received

  • Seeking donations fraudulently for illegitimate or non-existent charitable organizations

How to track the status of your stimulus check

If you're eligible for a payment, the IRS lets you track your money through its Get My Payment web portal. Due to high demand, you may see a message that you have to wait before you can access the site.

  1. Head to the IRS' Get My Payment page and click on the blue GET MY PAYMENT button to check the status of your economic impact payment.
  2. On the next page about authorized use, click OK.
  3. Now on the Get My Payment page, enter your social security number (SSN) or individual tax ID (ITN), your date of birth, your street address and your ZIP code. Click CONTINUE.

On the next page, the portal will show your payment status, whether it's been scheduled or if the service can't yet determine your status. If you've not set up direct deposit with the IRS, the service may walk you through those steps to get your check sent straight to your bank account. If you need help setting up direct deposit, please contact us. We'll be glad to help!

Personal Stimulus Check Scams - be aware!

Remember: People who qualify for an economic impact payment (the IRS’ official term) do not need to sign up, apply, pay a fee or verify any information. The IRS is using direct deposit and last known address information already on file from your tax return. Late Wednesday, April 1, the IRS confirmed that Social Security beneficiaries who typically do not file a tax return will automatically get the $1,200 payment.

If you receive a “stimulus check” for an odd amount (especially one with cents) or a check that requires you to verify it online or call a phone number, it's a fraud. There are no shortcuts or fees that can be paid to “move you up in the line.” Asked to purchase gift cards? That’s also a scam.

Don’t click on any links in texts, emails or social media asking for personal or banking information. Neither the federal government nor First Security will ever ask for your information in this way. One common scam pretends to take you to a fake website called the "US Emergency Grants Federation."

CONSUMER LOAN PAYMENTS

If you are facing financial hardship related to illness in your family or workplace closures due to COVID-19, please let us know as soon as possible. Call your local First Security representative, or 877 611-3118 and ask to speak to someone about your consumer loan.

Assistance for Businesses

We know many of you are very concerned about the state of our local economy as a result of the social distancing and quarantine in place guidelines. With the recent passage of the CARES ACT and President Trump signing it into law on March 27, we trying to help our customers navigate this information. Please see the links below and contact your local First Security representative with any questions, or for more information.

PAYCHECK PROTECTION PROGRAM (PPP)

Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses. Small Businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.

For a top-line overview of this program CLICK HERE.

If you're a borrower, more information can be found HERE.

Calculate loan amounts by type of business for PPP HERE.

Paycheck Protection Program -- interim FINAL RULE document

Paycheck Protection Program -- FAQs or Frequently Asked Questions.

PPP Loan Forgiveness Information -- New Interim Final Rule Document (click here)

To apply for forgiveness of your Paycheck Protection Program (PPP) loan, you (the Borrower) must complete one of the applications below as directed, and submit it to First Security Bank (or the Lender that is servicing your loan). Borrowers may also complete this application electronically through their Lender. There are two forms -- the Loan Forgiveness Application FormEZ and the Loan Forgiveness Application. You can find both forms listed below. Contact your First Security Bank representative for more information or assistance.

Loan Forgiveness Application FormEZ Instructions

Loan Forgivenss Application FormEZ

Loan Forgiveness Application Instructions

Loan Forgiveness Application

Small Business Administration Disaster Assistance

Call your local First Security lender for more information.

Arkansas Economic Development Commission Loan Programs

There are two loan programs: the Quick Action Loan Program and the Community Development Block Grant.

Arkansas Economic Development Commission: for information CLICK HERE.

SBA LOAN SCAMS

The SBA has said that it does not initiate contact on either 7(a) or disaster loans or grants. If you are proactively contacted by someone claiming to be from the SBA, suspect fraud. The SBA limits the fees a broker can charge a borrower to 3 percent for loans $50,000 or less and 2 percent for loans $50,000 to $1,000,000 with an additional one quarter percent on amounts over $1,000,000. Any attempt to charge more than these fees is a violation.

If you are in the process of applying for an SBA loan and receive email correspondence asking for personally identifiable information (PII), ensure that the referenced application number is consistent with the actual application number. Any email communication from SBA will come from accounts ending with sba.gov. Just because a website has the SBA logo does not mean it’s legitimate. Cross-reference any information you receive with information available at www.sba.gov.

Report any suspected SBA fraud to the Office of the Inspector General’s hotline at 800-767-0385 or at SBA.gov.