LOGIN COVID-19 Information for clients & businesses 1/22/21: Don’t fall prey to fraudsters conducting COVID-19 pandemic-related scams Plumas Bank remains committed to the personal and financial safety of our clients. It is important to stay vigilant and aware as fraudsters are working around the clock to capitalize on the continued state of uncertainty due to the COVID-19 pandemic. Do not fall prey to fraudsters and financial scams, pandemic-related or otherwise. Remember: Although Plumas Bank may call clients for verification purposes, we will never contact you via text message, e-mail, phone or any other way to ask for your account numbers or passwords. If you suspect you've been a victim of identity theft, contact Plumas Bank at 1.888.375.8627. 1/13/21: Second Draw PPP Loans Plumas Bank is committed to helping businesses succeed through the COVID-19 pandemic. The Paycheck Protection Program (PPP) has been expanded and extended through March 31, 2021 and allows for a Second Draw PPP loan for certain eligible borrowers. We are grateful for clients' continued trust through the first round of PPP, and we will aid businesses by assisting with Second Draw PPP Loans. To simplify the application process, we launched an online portal which contains pre-filled information from your First Draw PPP loan. A business which has not yet received a First Draw PPP loan may still apply for one under the current guidelines for First Draw PPP Loans. Learn more or contact a business banking advisor at your local branch office who will assist you. 1/5/21: Economic Impact Payments – Stimulus Payments On Dec. 30, the Internal Revenue Service and the Treasury Department began delivering the second round of Economic Impact Payments (stimulus payments) to millions of Americans who received the first round of payments earlier this year. Paper checks started to release Dec. 30 and direct deposit payments began arriving Jan. 4. Read the announcement from the IRS. Find the most up-to-date information on your Economic Impact Payment from the IRS at Get My Payment | Internal Revenue Service (irs.gov). Don't forget, your Plumas Bank online banking portal is a great tool to monitor receipt of your direct deposit stimulus funds and mobile deposit is available for paper checks. If you need assistance with online banking access, learn more at Online Banking Services | Plumas Bank or contact us at 1-888.375.8627 for assistance. 11/23/20: Face Coverings Required for Safety Over the last few weeks, we’ve seen a significant increase in the number of COVID-19 cases across our communities. Within our service footprint, active cases have tripled in less than a month. This is affecting our rural and smaller communities as well as our larger communities. Our healthcare systems are feeling the impact, and our state leaders are responding. California, Nevada and Oregon have recently increased their restrictions for businesses, and these affect Plumas Bank as well. The safety of our team members and clients are our top priority. Adherence to safety mandates will help us to stay open to provide you the essential banking services you need. To reinforce safety mandates, we are requiring: All clients and guests must wear face coverings when visiting branches or any Plumas Bank facility throughout our service area. If an individual is not able to wear an appropriate face covering for any reason, they can receive services via phone, virtually or outside the facility. Branch business advisors are proactively contacting clients who may struggle with face coverings to make alternate arrangements to meet their banking needs. Signage and online information is being updated to clearly reflect these steps. Community members are encouraged to bank from the comfort of home using online and mobile banking, voice banking, and ATMs. Call 1.888.375.8627 or visit plumasbank.com/contact-us for assistance. As we enter the holiday season and face very challenging times for our local communities, we will continue to operate safely and we will do everything we can to fulfill our commitment to be HERE. For Good. Andrew Ryback, President & Chief Executive Officer Plumas Bank and Plumas Bancorp For questions about Plumas Bank services in your area, please contact your local business banking advisor or our customer resource center at 1.888.375.8627. 6/26/20: Nevada requires the public to wear face coverings in most public settings. See more information. 6/18/20: California requires the public to wear face coverings in most public settings. See more information. NOTE: Don't forget you can bank from the comfort of home using online and mobile banking, voice banking, and ATMs. Call 1.888.375.8627 or visit plumasbank.com/contact-us for assistance. 6/1/20: Branch Lobby Access Expands As our communities reopen, Plumas Bank is returning to normal operations as much as possible with safety measures still top of mind. We ask for your cooperation and support in following these precautions: Branch lobby access is open during business hours. All clients are asked to follow visual markers and practice physical distancing. Team members are wearing face coverings and clients are encouraged to do the same. Face coverings may be required by some counties. We are sanitizing workstations, door handles and other surfaces after every client visit. We have installed plastic shields at counters and workstations. At this time, conference rooms and community rooms remain closed to reservations. Contact your local branch manager to learn when these public meeting spaces will reopen. Thank you for choosing Plumas Bank. As our communities move forward, don't hesitate to contact your local branch manager, call 1.888.375.8627 or visit plumasbank.com/contact-us for assistance. 5/18/20: Branch Hours Expanded, Safety Top of Mind In recent weeks we've operated with reduced hours and limited lobby access in order to rotate staffing and ensure the safety of our clients and team members. As communities begin to reopen, we are also expanding our regular business hours. We will be open Mon. - Fri., 9 a.m. - 5 p.m. at all locations except our Greenville branch which is open 10 a.m. - 5 p.m. Check plumasbank.com/hours-locations for up-to-date information about branch hours. Branch Safety Measures Across the counties we serve, there may be some differences in the public safety measures instituted by local authorities. We're following all federal, state and local health district orders including variations between counties. We ask for your cooperation and support in following these measures: Lobby access is limited to 2-3 people at a time. Please follow visual markers and practice physical distancing. Team members are wearing face coverings and clients are encouraged to do the same. Face coverings may be required by some counties. We are sanitizing workstations, door handles and other surfaces after every client visit. Access your accounts from the comfort of home. Online banking and other self-service tools are available 24/7. Learn more at plumasbank.com/online-banking-services. At this time, conference rooms and community rooms remain closed to reservations. Contact your local branch manager to learn when these public meeting spaces will reopen. Thank you for choosing Plumas Bank. As our communities move forward, don't hesitate to contact your local branch manager, call 1.888.375.8627 or visit plumasbank.com/contact-us for assistance. Coordinating disaster relief for nearly 1,000 small businesses We’re helping businesses across northern California and Nevada to access more than $110 million in Paycheck Protection Program (PPP) loans and other federal disaster relief. We've deferred loan payments and reduced fees to assist business clients during incredibly difficult times. We continue to look for every opportunity to help local businesses move forward. Caring for our community's most vulnerable In a gesture of compassion and support, we've reached out to every community we serve to make donations to local food and social service organizations. We're all in this together, and these organizations help families who are struggling to meet basic needs. Tahoe City branch now located at 215 N. Lake Blvd. For clients and businesses in the Lake Tahoe region, we opened our new Tahoe City location in April. Though we’d prefer to show you in person, for now we’re sharing a virtual tour to give you an idea of the new office we’ve created for the Lake Tahoe community. 5/11/20: Updates to branch hours and county face covering orders In recent weeks we've operated with reduced hours and limited lobby access in order to rotate staffing and ensure the safety of our clients and team members. We know this is an inconvenience, and we are preparing to return to full business hours as soon we can do so safely and within state and county guidelines. As of 4.27.20, branch hours are Monday - Friday, 10 a.m. - 3 p.m. Lobby access is limited. We will keep you informed as we return to full hours. We’re following local mandates and requiring face coverings in counties where orders have been issued. All branches have signs posted on their doors to let clients know the mandates followed by the local branch. In addition to branch services, we're coordinating disaster relief for small businesses. We’ve helped nearly 1,000 local businesses access approximately $110 million in PPP loans. We’ve deferred loan payments and reduced fees to help business clients during incredibly difficult times. We continue to assess every opportunity to help business clients get their doors open again. We're honoring the organizations that care for our most vulnerable. In a gesture of compassion and support, we’ve reached out to every community we serve to make donations to local food and social service organizations. We're all in this together, and these organizations help families who are struggling to meet basic needs. 4/16/2020: Paycheck Protection Program Update The U.S. Treasury and U.S. Small Business Administration announced today that their initial appropriations for the Paycheck Protection Program (PPP) are exhausted. The $349 billion emergency loan program launched April 3. Currently, the SBA is not issuing further loan approvals. Plumas Bank will continue to accept PPP applications from our business clients and process them for submission to the SBA should the program receive additional funding and reopen. National associations representing banks of all sizes across the U.S. are advocating national leaders for immediate approval of additional PPP funding. Businesses can also share their opinions about funding for PPP loans by contacting their Congressional representatives at 202-224-3121. We continue to closely monitor activity for the PPP program and any other disaster relief in development at the federal level. We are assessing every opportunity to help local businesses get their doors open again. Andrew Ryback, President & Chief Executive Officer Plumas Bank and Plumas Bancorp Additional Information: “The American Bankers Association is strongly advocating for Congress immediately to authorize new PPP funding to meet the payroll needs of small businesses struggling during the coronavirus pandemic. Bankers and their small business customers can contact their lawmakers at (202) 224-3121 to emphasize that more funding is needed right away.” ABA Banking Journal, 4-16-20 Statement released by Secretary Mnuchin and Administrator Carranza on the Paycheck Protection Program and Economic Injury Disaster Loan Program. U.S. Small Business Administration, 4-16-20 4/7/20: Stay Home. Stay Safe. Save Lives. As cases of COVID-19 increase across Northern California and Northern Nevada, we are updating our safety measures to protect our teams and our communities. Clients are asked to use our convenient, self-service tools first and foremost: online banking, mobile banking, voice banking, ATMs and night drop. New branch hours are 10 a.m. to 3 p.m. Monday through Friday except where noted. Branch lobbies are limited to Plumas Bank clients who need essential services. Clients can also make appointments with branch managers. We will continue to monitor traffic flow and adjust as needed. Additionally, clients may be asked to wait outside or wait in a foyer as branch lobbies are limited to 1-2 people at a time. Please use the drive-up window at branches where this service is available. Don’t be surprised if you encounter a branch team member wearing a mask. The CDC is now suggesting this and we encourage our clients do the same. Our call volumes remain high which may mean long wait times. We apologize for the inconvenience and are grateful for your patience. When you use our online services, contact our call center or use ATMs, you are helping all of us to stay safe and stay healthy. Helpful Resources Locate our branch and out-of-branch ATMs. Want to access your Online Banking Portal from your phone? Read about our mobile banking services. Follow these steps to access voice banking. You may quickly check your account balance and review recent transactions right from your phone. Need help to sign up for Online Banking? Contact us at 1-888.375.8627 to assist you. Lastly, if you need help with any of these services, call our Client Resource Center at 1-888.375.8627. Our call volumes remain high and wait times are long. However, we’re happy to assist you so that you don’t need to leave the comfort of home. Thank you for following CDC guidelines and protecting us all. 4/2/2020: Assisting Clients and Communities by Participating in the Paycheck Protection Program All of us will be challenged over the next weeks and months to navigate the public health crisis and resulting financial stressors to the economy and local businesses. In the last several days, the Small Business Administration (SBA) and Treasury announced initial disaster relief programs as a result of the CARES Act (Coronavirus Aid, Relief and Economic Security Act). We have closely monitored activity at a federal level and our teams are working tirelessly to advocate for the businesses we serve. The SBA Debt Relief program was introduced to defer existing loan payments and the SBA Economic Injury Disaster Relief Loan will help businesses overcome the temporary loss of revenue. The CARES Act also established a new Paycheck Protection Program (PPP) to allow small businesses the ability to keep their workers employed and to rehire recently laid off employees due to the COVID-19 pandemic. As a community bank and business advocate, we are ensuring our entire service footprint is served by these programs, including small rural businesses who are often ignored by national institutions. As an existing SBA lender, Plumas Bank is participating in these SBA programs available, including the newly introduced PPP set to launch Friday, April 3. The PPP loan is intended to provide a direct incentive for small businesses to keep their workers on the payroll. The covered loan period is Feb. 15, 2020 to June 30, 2020 and there are criteria for some forgiveness of debt. We will be able to facilitate this program only for businesses that were Plumas Bank clients as of Feb. 15, 2020, which is the beginning of the covered period. Plumas Bank clients may contact their local loan officer or branch manager for more information about disaster relief programs. With the strong credit quality and capital position we have built, we will continue to assess every opportunity to help local businesses get their doors open again. Andrew Ryback, President & Chief Executive Officer Plumas Bank and Plumas Bancorp More information on PPP from the US Treasury and US Small Business Administration. 3/25/2020 To protect the health of our clients and team members, we encourage everyone to use our online and mobile banking, voice banking, and ATMs. Call us for assistance with these services at 888.375.8627. Branches are limiting in-person lobby access to one or two clients at a time. Drive-up windows are open where available. Visit our hours and locations page to view information about your preferred branch location. 3/19/2020 Message from Plumas Bank President and CEO, Andrew J. Ryback The health and well-being of our clients, colleagues, and communities are paramount as we continue to monitor the rapidly changing circumstances related to COVID-19, the illness caused by the coronavirus. Plumas Bank is closely following the latest guidance from the Center for Disease Control (CDC) as well as other state and federal agencies. Here’s what you need to know: We are open and operational. The banking industry and banks like Plumas Bank are considered essential businesses. As of now, our branches, loan offices and client resource center are open and fully operational to meet client needs. If we are mandated to close branches, clients can still have their banking needs met through our remote banking services. Our community’s health is top of mind. We have implemented enhanced cleaning procedures and social distancing for our branches, loan offices and administrative buildings. For our team members and clients, we are following the CDC guidelines; asking people to stay home when sick, reviewing client traffic patterns and branch staffing needs, and ensuring adherence to best practices. We offer remote and out of branch banking services 24/7. Clients can bank from the comfort of their homes with ready access to online banking and mobile banking services. For clients who are not yet enrolled, we are providing expedited assistance by calling our client resource center at 1-888.3PLUMAS (375.8627). We also offer remote deposit capture services for businesses. Additionally, we have ATMs at all our branches and offer several out of branch ATM locations listed on our website at plumasbank.com/hours-locations. Also, clients and businesses may use night drop outside of each branch and deposits will be credited to their account the next business day. We have plans in place as well as resources for dealing with this crisis. Plumas Bank is well capitalized and well positioned to serve local communities during this health crisis. We have defined pandemic planning as a critical part of our risk management strategies, and these business continuity plans are developed under regulatory oversight by state and federal authorities. As an industry, our nation’s banks are stable. Plumas Bank has strong credit quality, liquidity and capital levels and can weather the financial stressors that will result from the COVID-19 pandemic. Currently, we could borrow over $200 million on our Federal Home Loan Bank (FHLB) borrowing line and have over $30 million in excess cash held at the Federal Reserve. Additionally, we have borrowing lines with correspondent banks totaling another $41 million. This information is publicly disclosed in our SEC form 10-K filing. We’re sharing reliable information on COVID-19 to stop misinformation and offer helpful resources. We’ve launched a tips and resources page on our website at plumasbank.com/COVID19. We’re posting updates to our social media accounts. We’re providing our clients and colleagues valuable information. We’re working with our clients to weather this storm. Our branch managers and loan officers are reaching out to clients to understand their concerns, offering flexibility where possible and facilitating access to disaster relief resources. Each day we learn more about COVID-19 and how it’s affecting our communities. We continue to monitor this quickly evolving situation, and we are here to assist as needed – HERE. For Good. Lastly, thank you for entrusting us with your banking needs and for allowing us the opportunity to continue to provide you with the exceptional client experience you’ve come to expect from Plumas Bank. We stand ready to support the financial needs and the health and well-being of the communities we serve. Sincerely, Andrew J. Ryback, President and Chief Executive Officer Update 3/17/20 The spread of COVID-19 (coronavirus) is top of mind for all of us. To keep our clients, team members and communities safe and to do our part in curbing further reach of the virus, we have enacted the following protections: Bank branches, loan offices and administrative buildings have increased the cleaning of our facilities and disinfecting of surfaces. We’ve provided alcohol-based hand sanitizers and cleaning wipes throughout our workspaces. Branches are displaying helpful infographics to educate clients on hand hygiene and necessary social distancing at this time. Clients are encouraged to use our convenient out of branch banking services or access our online banking and mobile banking services. For clients who are not yet enrolled, we are providing expedited assistance through our Client Resource Center. We also offer several out of branch ATM locations. Lastly, clients and businesses may use night drop outside of each branch and deposits will be credited next business day. We also offer remote deposit capture services for businesses. Unfortunately, as of Friday, March 20, we will not be able to host or participate in any non-essential gatherings including public use of our branch community rooms, conference rooms or other spaces. Team member travel for work purposes is restricted at this time, and we have established virtual meetings where possible for our board, community committees and team member meetings. Additionally, we have encouraged team members to stay home when sick and place priority on their health and well-being. We all stand together to navigate these challenging times. Our focus is on the health and safety of our clients, team members and community. Visit our Helpful Resources page for more COVID-19 tips and information. Updated 3/10/20 With worldwide attention on COVID-19 (coronavirus) and initial cases presenting in California and Nevada, the spread of coronavirus is top of mind for our clients and community businesses. As a local employer, we’re keeping our teams and board members informed and sharing resources. We’re also keeping in touch with local business leaders as they anticipate effects to their operations, and we’re reviewing our business continuity plans ongoing. Banking from the Comfort of Home As the outbreak evolves, some members of the community are avoiding busy public places and this may include our bank branches. We’re helping clients to conveniently access their bank accounts via online banking and our mobile services. We also have several out of branch ATM locations. Our branches are ready to assist clients when they visit in-person and our customer service representatives are available via our call center as well. Reliable Sources of Information As more and more information is shared regarding the progress of COVID-19 virus, it can be difficult to decide what information is useful and what is not. Be sure that you’re getting the most accurate information from trusted websites such as Center for Disease Control, World Health Organization and your local/state health departments. Business Continuity Tips for Businesses and Employers The CDC offers valuable resources for businesses and employers to plan for the impact of COVID-19. Many of the recommended steps are best practices in decreasing the spread of any acute respiratory illness. Articles like these from Harvard Business Review offer tips for business continuity planning as the scale of the coronavirus outbreak evolves: - Supply-chain considerations are top of mind including what businesses can do now even in the midst of an outbreak. - Be aware of your company’s legal obligations including quick reminders such as employee communications and privacy considerations. Additionally, ready.gov offers tools and templates for business continuity planning including business impact analysis, risk mitigation and scenarios to consider. Help stop the spread of rumors which can negatively impact local businesses due to misinformation. Here’s an easy to read infographic from the CDC: Share the Facts about COVID-19. © 2021 Plumas Bank Home Contact Us Disclosures & Forms Career Opportunities Privacy If you agree, click to accept our recommended cookies or view our cookie disclosure to opt-out. ACCEPT