COVID-19 Resources

As a community bank, our role is to provide solutions to meet the financial needs of our customers and the communities we serve.  If you are concerned about your ability to make a scheduled payment, as the result of the COVID-19 effect on your employment or business, or need additional financial support, please refer to the information below. We have options to meet your needs during this time.

Business

Paycheck Protection Program

The Coronavirus Aid, Relief, and Economic Security (CARES) Act passed by the legislature and signed into law by President Trump on March 27, includes emergency relief measures for small businesses with the Paycheck Protection Program (PPP). This program will be available for many small to medium-sized businesses in our community and with guidance provided by the Small Business Administration (SBA). We will begin accepting applications for small business and sole proprietorships on Friday, April 3 and independent contractors and self-employed individuals on Friday, April 10. We look forward to doing our part to get small businesses up and running again.

How to Apply 


PPP Loan Forgiveness

The Small Business Association has released the Interim Final Rule (IFR) on the PPP loan forgiveness program. We are providing information on what qualifies you or your business for PPP loan forgiveness.   A link to Form 3508 is also included – the Paycheck Protection Program Loan Forgiveness Application. This Application will need to be submitted in order to get your PPP Loan funds forgiven, and includes specific instructions for borrowers. We encourage you to take the time to review these documents, as it will be imperative that you educate yourself to ensure eligibility for maximum loan forgiveness.

How to Get Started


Payment Relief Options

If you are having difficulty making your commercial loan payment, as a result of the COVID-19 effect on your business, we have options for you.

Apply Now


Consumer

Skip a Payment Loan Extension

Offers you the opportunity to skip up to 2 payments on your personal loan without a fee.

Apply Now


Community Support Loan

Offers a personal loan with 0% interest for the first 4 months.

Learn More 


Mortgage Assistance

If you are experiencing financial hardship as a result of COVID-19 that prevents you from making your mortgage payment, we have options for you.

Mortgage Assistance FAQs


Payment Relief Options

If you are having difficulty making your mortgage loan payment, as a result of the COVID-19 effect on your business or employment, we have options for you.

Apply Now


Other Resources

HCB COVID-19 Preparedness Plan

FDIC COVID-19 Financial Health

Michigan COVID-19 Response

Government Response to COVID-19

US Department of the Treasury

IRS Economic Impact Payments