COVID-19 (Coronavirus) Customer Assistance
We're here to help—Contact Us:
1. Call our customer care center at 1.800.385.8664; or
2. Send us a secure message through online banking → Login on a desktop computer and select "Support" in the upper right hand corner; or
3. Use our contact form
We're experiencing higher than normal call volume. The quickest and way to get in touch with us is to send us a secure message through online banking; where a dedicated team is actively reading and responding to all messages.
As our valued customer, we are here to assist you. If you're facing financial hardship as a result of the COVID-19 pandemic, we have options available for you during this challenging time.
- Temporary deferment of consumer loan payments
- Temporary six month forbearance on residential mortgage loans and closed-end consumer loans secured by real estate
- Temporary suspension of late fees and credit reporting
- Credit card fee relief for existing consumer and small business cardholders through our partnership with our card issuer, Elan Financial Services
- An early withdrawal penalty waiver for one Certificate of Deposit (CD)
- Visa Consumer Credit Card promotion offer of 0% APR for 20 months; and 11.99% - 20.99% variable rate thereafter
- Unsecured OptionLine1 with introductory 0% APR for three months and 4.00-8.75% APR based on credit qualifications and other factors after the introductory rate ends
Small Business Programs
- If you're a Fulton Bank business owner, contact your local branch or relationship manager
- Visit the U.S. Small Business Association SBA website for more information on disaster relief assistance and to find out if you're eligible
- Small Business Unsecured Line of Credit with introductory 0% APR for 3 months—up to $50,000 and no origination fee or closing costs2
Receivable and Payment Options
- For BOSS online banking users, we are offering mobile remote deposit capture and ACH payment options3
CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY (CARES) ACT
The Coronavirus Aid, Relief, and Economic Security (CARES) Act was recently passed to provide emergency economic relief for businesses negatively impacted by COVID-19.
The Paycheck Protection Program (PPP) is part of the Act being offered through the SBA that authorizes funding for small to medium sized businesses toward employee job retention and certain other expenses. The SBA is still finalizing their guidance for how banks should facilitate these loans to eligible customers.
The U.S Chamber of Commerce has put together guidance on the CARES Act. View PDF.
In addition, we recommend gathering the documentation below so you can be prepared once the program is available.
- 2019 IRS Quarterly 940, 941 or 944 payroll tax reports.
- Last 12 months of Payroll Reports beginning with your last payroll date and going backwards 12 months.
- Payroll report must show the following for the time period above:
- Gross wages for each employee, including the officer(s) if paid W-2 wages.
- Paid time off for each employee.
- Vacation pay for each employee.
- Family medical leave pay for each employee.
- State and Local taxes assessed on the employee’s compensation for each employee.
- 1099s for 2019 for independent contractors that would otherwise be an employee of your business.
- Do NOT include 1099s for services.
- Documentation showing total of all health insurance premiums paid by the Company Owner under a group health plan.
- Include all employees and the company owners.
- Document the sum of all retirement plan funding that was paid by the Company Owner (do not include funding that came from the employee’s out of their paycheck deferrals).
- Include all employees, including company owners.
- 401K plans, Simple IRA, SEP IRAs.
While the program has just been announced, the details around the process and the application have yet to be released by the SBA, and we will provide information as soon as it is available.