2020 has been a challenging year for all of us, and County National Bank is committed to providing guidance and resources for local businesses. The Small Business Administration (SBA) is now accepting forgiveness applications for Paycheck Protection Program (PPP) loans. The CNB lending team is working diligently to process PPP loan forgiveness applications as efficiently as possible.

We encourage our PPP loan borrowers to remain patient and please reach out to us with questions or concerns.

You can contact our team about your PPP loan by calling 517-439-0453 or by emailing PPP@cnbb.bank.

Paycheck Protection Program (PPP) and Coronavirus (COVID-19) Updates

October 16, 2020

Frequently Asked Questions on PPP Loan Forgiveness

The Small Business Administration (SBA), in consultation with the Department of the Treasury, has provided guidance to address borrower and lender questions concerning forgiveness of Paycheck Protection Program (PPP) loans. Please click here for more information.

August 17, 2020

Beware of Spoof Emails for SBA COVID-19 Relief

The U.S. Department of Homeland Security’s Cybersecurity and Infrastructure Security Agency (CISA) said it is currently tracking an unknown malicious cyber actor who is spoofing the Small Business Administration (SBA) COVID-19 relief webpage via phishing emails.

These emails include a malicious link to a fake page used for malicious re-directs and credential stealing. The CISA alert can be found here.

July 17, 2020

June 10, 2020

PPP Loan Forgiveness Updates

June 5, 2020

PPP Loan Updates

May 19, 2020

SBA Releases Borrower Application, Instructions for PPP Loan Forgiveness


The Small Business Administration (SBA) and Treasury Department have released the application that borrowers must complete in order to have their Paycheck Protection Program (PPP) loan forgiven. The form includes detailed information about the costs that are eligible for forgiveness and instructions for calculating those costs.

While we await more guidance from the Treasury, here’s what you need to know:

  • You do not need to complete the application for forgiveness at this time. You should review the application and write down any questions you have. It is also a good idea to note what documents you will need in order to complete the application.
  • We are reviewing the application as well and will continue to update you as we receive additional guidance from both the Treasury and SBA.

We know there are still many questions that you will have. We expect further guidance from the Treasury and SBA in the near future, and we will share details as we receive them.

May 11, 2020

CNB Steps Up to Help Small Businesses

CNB is taking proactive steps to respond to the needs of individuals and business customers directly affected by the pandemic. We stand ready to help our small business customers gain access to funds. Learn more about how we have helped small businesses apply for Paycheck Protection Program loans.

April 22, 2020

Community Banking During COVID-19


At County National Bank, we are proud to be a locally-based community bank. We have always been committed to supporting the communities where we live and work. We are in the midst of overwhelming and uncertain circumstances, and CNB has stepped up to meet these challenges. Learn more here.


April 16, 2020

IRS Launches Online Economic Impact Payments Tool to Check Status, Provide Payment Info

The Internal Revenue Service launched a second online tool that enables consumers who have previously filed a tax return to check the status of their economic impact payment. Using the Get My Payment tool—available at IRS.gov—consumers can see the date their payment is scheduled to be deposited in their bank account or mailed to them and provide their bank account information to receive direct deposit if it is not currently on file with the IRS.

Taxpayers accessing the secure site will be asked to provide their Social Security number, date of birth and the mailing address used on their tax return. Taxpayers who need to add their bank account information will also need to provide their adjusted gross income for their most recent tax return submitted, the refund or amount owed from their last filed tax return, their bank account type, account and routing numbers.

The IRS said it intends to update the site once daily, usually overnight. A Spanish version of the site will also be available in the coming weeks. For individuals who do not normally file tax returns, the IRS launched a separate tool last week where they can provide payment information.

April 11, 2020

At County National Bank, we have all hands on deck as we help our customers through these difficult days.

At last count, we have helped 170 customers with mortgage payments, 21 consumer loan customers have been able to take advantage of the skip a payment program, and 249 small businesses have approved to receive SBA funds. Our team is working hard to do everything we can to meet our customers’ needs. Contact us at 888-322-1088 to find out about available assistance programs and resources.

April 10, 2020

April 8, 2020

Paycheck Protection Program Information

Small businesses with fewer than 500 employees are encouraged to quickly apply for the newly created Paycheck Protection Program, a loan that provides a direct incentive for small businesses that keep or quickly rehire employees, as well as for certain other expenses.

These loans provide up to 8 weeks of your payroll and benefit costs, plus an additional 25%. SBA will forgive the loan if all employees are retained on the payroll for eight weeks and the money is used for payroll, rent, mortgage interest, or utilities.

At least 75% of the funds must be used for payroll. If you reduce the number of employees or have a reduction of more than 25% in wages paid to employees, the amount of loan forgiveness will be reduced. The loan forgiveness cannot exceed the principal and any accrued interest. 

Here’s an overview of the Small Business Administration program’s most important features:

April 8, 2020

CARES Act Provides Relief to Individuals and Businesses

On Friday, March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. This $2 trillion emergency relief package is intended to assist individuals and businesses during the ongoing coronavirus pandemic and accompanying economic crisis. Major relief provisions are summarized here.

April 6, 2020

The Consumer Financial Protection Bureau has released a video on how struggling homeowners can obtain mortgage forbearance if their finances are impacted due to the COVID-19 pandemic.

Watch the video here:

If you've been impacted by COVID-19 and need our support, we're here to help. Contact the CNB Loss Mitigation Department at 517-439-4300 or 517-544-0905 to find out about available assistance programs and resources. 

March 31, 2020

Emergency Relief for Small Businesses


County National Bank is committed to assisting our customers during these uncertain times. 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.  We are waiting for guidance provided by the Small Business Administration (SBA) and program details, including the application, and will begin to offer the program as soon as we have all of the information.  CNB looks forward to doing our part to get small businesses up and running again. 

March 26, 2020


March 23, 2020

COVID-19 Financial Questions Round Table

Presented by the Jackson County Chamber of Commerce, John Waldron, President & CEO of County National Bank, and Dan Machnik, Managing Partner of Willis & Machnik Financial Services, LLC,  answered financial questions related to the COVID-19 crisis.

COVID-19 Financial Questions Round Table with County National Bank and Willis & Machnik.

March 21, 2020

FDIC: Insured Bank Deposits are Safe; Beware of Potential Scams Using the Agency's Name

In light of recent developments related to the coronavirus, the Federal Deposit Insurance Corporation (FDIC) is reminding Americans that FDIC-insured banks remain the safest place to keep their money. The FDIC is also warning consumers of recent scams where imposters are pretending to be agency representatives to perpetrate fraudulent schemes. Learn more here.

March 20, 2020

Applying for an Economic Injury Disaster Loan (EIDL) from the SBA

Earlier this month, Congress passed legislation that makes $1 billion available to the U.S. Small Business Administration (SBA) to provide low-interest loans to small businesses, small agricultural cooperatives, and nonprofits that have suffered substantial economic losses as a result of the COVID-19 pandemic. 

Governor Gretchen Whitmer sought an Economic Injury Disaster Loan Declaration for the state and Michigan has receive the declaration from SBA. Small businesses in qualifying areas will be able to access low-interest loans through the SBA. More information can be found here. For additional information , please contact the Michigan SBA offices in Detroit or Grand Rapids.

March 18, 2020

As we continue to monitor the impact of COVID-19 (Coronavirus), please rest assured that County National Bank (CNB) will continue to serve our communities and access to banking service will be maintained. Our top priority is the health and safety of our staff members and customers. We are reducing our in-person visits as much as possible by promoting the use of email, telephone and video conference as the main forms of communication. We assure you that all our branch locations are receiving enhanced cleaning with sanitizing of high-touch areas. We are taking every precaution to make sure our staff and customers remain healthy.

As of March 18, 2020, we will temporarily close our lobbies to the general public and our branches will provide drive-thru service only.  Meetings that are necessary may be accepted by appointment only, so please contact your local branch to schedule. We encourage you to consider using the following convenient ways to conduct your day-to-day financial transactions:

  • Online Banking – Eliminate checks and stamps with bill pay, view balances and account activity in real time, view documents, add stop payments, receive custom alerts, and more.
  • Mobile Banking – View balances and account activity in real time, reduce potential fraud, schedule one-time payments, make deposits and transfers, and more. Download the “County National Bank Mobile” app from your app store.
  • Online Mortgage Applications – Applying online is easy and can take as little as 20 minutes.
  • ATM – Our machines allow you to withdraw cash, make deposits, transfer funds, and check balances 24 hours a day.  Please Note:  Some of our off-site ATM’s are limited to cash withdrawals only.
  • Telephone Banking – Check balances, account history and transfer funds between CNB accounts - available 24 hours a day, 7 days a week. Simply call (517) 439-0470 or toll-free (888) 598-0470.
  • Night Depository – Drop your deposits and loan payments for processing at any of our branch locations.

We are here for you with exemplary customer service and will continue to communicate as we navigate this ever-changing situation. We appreciate your business and patience through these challenging times.

Helpful Resources