Customer Assistance

The following Ohio banks have publicly announced details of their customer assistance programs and measures:

Civista Bank

  • Consumer and Mortgage Payment Deferral Program: Civista offers eligible customers a payment deferral for up to 90 days.  Customers may contact 800.604.9367 for more information.
  • Commercial Loan Payment Deferral Program: – Civista offers eligible customers payment deferral for up to 90 days. Customers may contact their business relationship manager directly for more information. 
  • Small Business Administration (SBA) - Small Business Economic Injury Disaster: The SBA has announced Indiana and Ohio have been declared disaster states, therefore making businesses and non-profits eligible to apply for Economic Injury Disaster Loan Assistance. Payment deferral programs are available based on SBA rules. To apply or learn more, visit https://disasterloan.sba.gov/ela/
  • Suspension of Foreclosure Program – Effective immediately, Civista will not initiate any new foreclosure action on residential properties unless required by federal or government agencies. This suspension of foreclosure action will last through the end of May 2020. Civista will continue to evaluate extending this date as the COIVD-19 situation evolves.

Fifth Third Bank

  • Offering assistance program to customers experiencing hardship regarding a mortgage, home equity line or loan, auto loan or credit card balance; encourages such customers to call the bank’s dedicated help line.
  • The Bank is offering the following programs for our business customers facing financial hardship related to COVID-19. To participate in the programs, customers will need to contact Fifth Third.
  • On March 17, the Small Business Administration (SBA) announced efforts to provide a faster, easier qualification process for states seeking SBA Disaster Assistance for small businesses impacted by COVID-19. The SBA is working closely with governors to make up to $2 million in targeted, low-interest disaster recovery loans available to any small business enterprise that has been severely impacted by the situation. This direct lending program is in the form of low interest rate loans with flexible repayment terms, the eligibility for which will be determined by the SBA on a case-by-case basis. For more information on SBA's assistance to small businesses, visit www.SBA.gov/coronavirus.
  • Fifth Third recommends that customers continue to leverage all of the digital banking tools and resources for self-service banking and account access through mobile, online and voice banking services, as well as the Bank’s network of approximately 53,000 fee-free ATMs* across the United States. The bank is prepared to assist customers with their questions or concerns and has a dedicated support page available at www.53.com/covid19  as the first point of contact for all customers. For Business Banking service, please call 877-534-2264 from Monday through Saturday or email bbgsupport@53.com.


First Federal Community Bank

  • First Federal is automatically deferring the next 3 months payments on all loan types when asked by the customer.  Presently, we are paying all employees that are either staying at home due to reduced schedules or are working from home. 


Huntington

Small Businesses:

  • Small Business Payment Deferral Program – If your small business is experiencing a hardship related to family sickness or workplace closures due to COVID-19 and you contact Huntington, we will offer a payment deferral for up to 90-days with no credit bureau impact.  Please contact your business banker or the Business Customer Phone Bank (800) 480-2001 Monday through Friday 7:30 a.m. to 7:00 p.m. and Saturdays 8:00 a.m. to 5:00 p.m. ET.
  • Business Credit Card Payment Assistance – Contact the Business Credit Card Customer Assistance Team at (888) 696-9982
  • Late Fees on Banking Business Loan Suspension Program – Beginning in March 2020, Huntington will suspend charging late fees on business loan payments. This suspension is effective through the end of March 2020 and we will continue to evaluate with considerations to extend this program.
  • Small Business Economic Injury Disaster – Huntington is working directly with the Governor’s offices to facilitate a disaster declaration from the SBA for businesses to be eligible for Economic Injury Disaster loans.

Consumers:

  • Consumer Payment Deferral Program – If you are facing a financial hardship related to sickness in your family or workplace closures due to COVID-19 and you contact Huntington, we will offer a payment deferral for up to 90-days with no credit bureau impact.
    • Homeowner Payment Assistance – Contact (800) 323-9865, Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m to 1:00 p.m. ET
    • Personal Credit Line Payment Assistance – Contact (800) 250-6660 Monday – Friday 8:00 a.m. to 7:00 p.m. ET
    • Auto Loan Payment Assistance – Contact (866) 480-2234, Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m. to 4:00 p.m. ET
    • Consumer Loan Payment Assistance – Contact (877) 477-6855, Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m. to 1:00 p.m. ET
    • Credit Card Payment Assistance – Contact us Monday through Friday 8:00 a.m. to 9:00 p.m. and Saturdays 8:00 a.m. to 4:00 p.m. ET
    • Debit Card Assistance – Contact (800) 480-2265, Monday through Sunday 7:00 a.m. to 7:00 p.m. ET
  • Late Fees on Consumer Loan Suspension Program – Beginning in March 2020, Huntington will suspend charging late fees on consumer loan payments. This suspension is effective through the end of March 2020 and we will continue to evaluate with considerations to extend this program.
  • Repossession Halt Program – Beginning March 17, 2020, Huntington will not initiate any new repossession actions associated with vehicles, RVs, or marine craft financed by Huntington and have enacted reduced requirements for customers who want to redeem their already repossessed vehicle to one (1) payment plus repossession fee. This suspension of repossession actions will take place through the end of March 2020 and we will continue to evaluate with considerations to extend this program.
  • Suspension of Foreclosure Program – Beginning March 17, 2020, Huntington will suspend initiating any new foreclosure actions, specific to residential properties unless required by federal or government agencies. This suspension of foreclosure actions will take place through the end of March 2020 and we will continue to evaluate with considerations to extend this program.
  • Find out more: https://www.huntington.com/coronavirus#faq.


JPMorgan Chase

  • Encouraging individuals who are affected by COVID-19 and need help with their accounts to contact their customer service representatives.
  • Relief is currently on case-by-case basis and could include fee waivers or refunds, changing due dates or extending credit lines.
  • Urging customers to protect themselves from coronavirus-related scams. 
  • Instituting/enhancing measures at branch and office locations to protect health of both customers and employee
    Encouraging customers to use online, mobile and voice banking services.


Ohio Valley Bank

  • Offering a three month interest only period for all commercial loans, regardless of loan amount or grade. The exception to this process will be Reg O borrowers, who will have to adhere to the existing policy for Reg O Officers and Directors. Additionally, no modification fee will be applied to these transactions.   Additional periods of interest-only will be considered as the bank assesses the need for it to continue.


Peoples Bank

  • Small Businesses can gain emergency cash flow through the SBA COVID-19 Disaster Relief Lending Program.
  • Business and Commercial Clients should contact their dedicated banker directly.
  • Consult with the Merchant Services team on implementing social distancing Point Of Sale systems. Clover software fees and the monthly minimum processing fees are waived in April.
  • The banks has created a Loan Payment Relief team who is evaluating each client request on a case-by-case basis to fully understand their hardship and provide the best solution for them.
  • Talk with a Peoples Insurance Specialist (800.283.3823) to ensure you have adequate insurance for the increased time you are spending at home, including if you now temporarily work from home.
  • Read the bank's Trust and Investment Services department perspective on recent economic news.


PNC

  • Waive or refund late payment fees on mortgages, credit cards and other products.
  • Waive fees for early withdrawal of CDs.
  • Help business customers having difficulty making payments on loans.
  • Offer low-rate, emergency hardship loans to qualified consumers and small businesses. 


U.S. Bank

  • Encouraging customers who need help right away to call a specified help line to discuss assistance.
  • Urging customers to use its digital banking features, including its mobile app, online banking or banking by phone.
  • National donations – $4 million to United Way, LISC and Operation HOPE to support individuals and small businesses affected by COVID-19. 
  • Local donations – $26 million in general operating funds to local nonprofit organizations across the country to continue supporting individuals and families with financial education, affordable housing and work assistance. This includes employee donations, which U.S. Bank will double through matching gifts.


Wells Fargo

  • Wells Fargo is working on a daily basis to put measures in place to support the needs of customers impacted by COVID-19 in the most effective ways possible. 
  • Wells Fargo is suspending residential property foreclosure sales, evictions and involuntary automobile repossessions.
  • The company also is offering fee waivers, payment deferrals and other expanded assistance for credit card, auto, mortgage, small business and personal lending customers who contact the company.  


WesBanco

  • Support for Commercial Customers: WesBanco is offering to defer certain loan payments for up to 90 days for the most seriously impacted categories of business borrowers, as described below. 
  • Current WesBanco business borrowers who wish to request relief are encouraged to call their relationship officer. Public accommodation businesses, such as restaurants/caterers, and certain retail establishments, that are forced to close will be eligible for full deferral of loan payments (principal and interest) for 90 days, and working capital facilities up to $200,000. 
  • Public accommodation businesses that are reducing services in response to the pandemic (such as reducing capacity, transitioning to take-out only) will be eligible to make interest-only payments and defer principal payments for 90 days, and working capital facilities up to $100,000. 
  • Additional relief programs may be available to existing WesBanco business borrowers on an individualized basis, depending on their circumstances. All deferred loan payments and new loans will be subject to bank approval.
  • Support for Residential Mortgage and Consumer Customers: Existing residential mortgage and consumer loan customers of WesBanco may also be eligible for the Borrower Relief Program. 
  • Current consumer customers who wish to request relief may call 800-654-6288 to speak with a company representative. WesBanco customers working as healthcare professionals and emergency responders are eligible to receive deferral of their residential mortgage or consumer loan payments (principal and interest) for 90 days; and WesBanco borrowers who are otherwise impacted by COVID-19 are eligible to be evaluated for participation in the program. Small businesses and consumers who wish to receive existing loan deferrals must contact WesBanco to determine eligibility, as the Borrower Relief Program is not automatic. 
  • In addition, WesBanco will suspend initiating any new foreclosure actions, specific to residential properties, unless required by federal or government agencies; and, will not initiate any new repossession actions of vehicles financed by WesBanco. These suspension of actions are effective immediately through the end of March 2020, and will continue to be evaluated with considerations to extend them.

 

The following list can be used to navigate directly to the websites of all OBL members, many of which have similar customer assistance programs in place:

1st National Bank 

Belmont Savings Bank 

Buckeye Community Bank 

Buckeye State Bank 

CBank

CenterBank 

Cf Bank, National Association 

Cincinnati Federal 

Citizens Federal S&L Assoc. of Bellefontaine  

Commodore Bank 

Community First Bank, National Association

Community Savings 

Community Savings Bank 

Conneaut Savings Bank Dollar Bank, FSB 

Eagle Savings Bank 

Fairfield Federal S&L Assoc. of Lancaster 

Farmers & Merchants Bank 

Farmers State Bank

FCBank, a division of CNB 

Fidelity Federal Savings & Loan Association 

Fifth Third Bank 
First Bank of Berne 

First Bank of Ohio 
First Citizens National Bank of Upper Sandusky

First Commonwealth Bank 

First Federal Bank of Ohio 

First Federal Bank of the Midwest 

First Federal Community Bank of Bucyrus 

First Federal Community Bank, N.A. 

First Federal Savings & Loan Association of Centerburg 

First Federal Savings & Loan Association of Delta 

First Federal Savings & Loan Association of Lakewood 

First Federal Savings & Loan Association of Lorain 

First Federal Savings & Loan Association of Newark 

First Federal Savings & Loan Association of Van Wert 

First Financial Bank 

First Merchants Bank 

First Mutual Bank, FSB

First National Bank in New Bremen 

First State Bank 

First-Knox National Bank - A Division of PNB 

Galion Building and Loan Bank 

GNB Banking Centers 

Greenville Federal

Guardian Savings Bank, A Federal Savings Bank 

Heritage Bank, Inc. 
Home National Bank 

Home Savings and Loan Company of Kenton 

Home Savings Bank 
Home Savings Bank of Wapakoneta 

Hometown Bank 

Huntington Federal Savings Bank  

KeyBank National Association 

Kingston National Bank 
LCNB National Bank 

Liberty Bank 
Liberty National Bank 

Liberty Savings Bank, FSB 
Mechanics Bank 

Mercer Savings Bank 

Miami Savings Bank 

Minster Bank 

Monroe Federal Savings and Loan Association

Mutual Federal a Division of First Bank Richmond

Nelsonville Home and Savings 

New Carlisle Federal Savings Bank 

New Foundation Savings Bank North Valley Bank 

Northwest Bank 

Ohio State Bank 

Peoples Bank 

Peoples Federal Savings and Loan Association 

Peoples Savings and Loan Company 

Peoples State Bank 
Perpetual Federal Savings Bank 

Portage Community Bank 

Republic Bank & Trust Company 

Richland Bank - A Division of PNB 

RiverHills Bank 

Riverside Bank of Dublin 

Rockhold Bank 

S&T Bank
Second National Bank - A Division of PNB 

Security National Bank - A Division of PNB 
Southern Hills Community Bank 
SSB Community Bank 
Standing Stone Bank 


 
  The Andover Bank 
The Antwerp Exchange Bank Company 
The Baltic State Bank 
The Bank of Magnolia Company 
The Brookville Building and Savings Association 
The Cincinnatus Savings and Loan Company
 
The Citizens Bank Company 
The Citizens National Bank of Bluffton 
The Citizens National Bank of McConnelsville 
The Citizens National Bank of Woodsfield 
The Commercial and Savings Bank 
The Community Bank 
The Corn City State Bank 
The Cortland Savings and Banking Company 
The Covington Savings and Loan Association 
The Croghan Colonial Bank 
The Edon State Bank Company of Edon 
The Equitable Savings and Loan Company 
The Fahey Banking Company 
The Farmers & Merchants State Bank 
The Farmers and Merchants Bank 
The Farmers Bank and Savings Company 
The Farmers National Bank of Canfield 
The Farmers Savings Bank 
The First Central National Bank of St. Paris 
The First National Bank of Bellevue 
The First National Bank of Blanchester 
The First National Bank of Dennison 
The First National Bank of McConnelsville 
The First National Bank of Pandora 
The First National Bank of Sycamore 
The First National Bank of Waverly 
The Genoa Banking Company 
The Hamler State Bank 
The Harrison Building and Loan Association 
The Henry County Bank 
The Hicksville Bank 
The Hocking Valley Bank 
The Home Loan Savings Bank 
The Killbuck Savings Bank Company 
The Marblehead Bank 
The Merchants National Bank 
The Metamora State Bank 
The Middlefield Banking Company 
The National Bank of Adams County of West Union 
The North Side Bank and Trust Company 
The Ohio Valley Bank Company 
The Osgood State Bank 
The Ottoville Bank Company 
The Park National Bank 
The Park National Bank of Southwest OH Northern KY 
The Peoples First Savings Bank 
The Peoples Savings & Loan Company 
The Peoples Savings Bank 
The Peoples Savings Bank 
The Republic Banking Company 
The Richwood Banking Company 
The Settlers Bank 
The Sherwood State Bank 
The State Bank and Trust Company 
The Twin Valley Bank 
The Union Bank Company 
The Union Banking Company 
The Wilmington Savings Bank 
Unified Bank 
Union Savings Bank 
United Bank - A Division of PNB
United Bankers' Bank 
United Midwest Savings Bank NA 
Unity National Bank - A Division of PNB 
Valley Central Bank 
Van Wert Federal Savings Bank 
Versailles Savings and Loan Company 
Vinton County National Bank 
Warsaw Federal Savings and Loan Association 
Waterford Bank, NA 
Wayne Savings Community Bank 
Wells Fargo Bank, National Association 
Westfield Bank, FSB 
Woodsfield Savings Bank