COVID-19 Resources

Updated 5/27/20

Now more than ever, we want you to know that your bankers at QNB are here to help you during this unprecedented crisis brought on by the Coronavirus (COVID-19) pandemic. We realize that the closure of schools, businesses and many other services are having a dramatic impact on everyone’s daily lives. QNB remains committed to meeting all your financial needs during these tough times. If you need assistance, please know that we're here to help you.


Small Business Help

Paycheck Protection Program

U.S. Small Business Administration (SBA) and Treasury have implemented the Paycheck Protection Program (PPP) which is designed to assist small businesses and their employees during this crisis. This program provides small businesses with payroll assistance in the form of a 100% guaranteed loan from SBA. Eligible borrowers can work with QNB to apply and receive up to 2.5 times their monthly average payroll expenses for the prior year.

Congress originally approved $349 billion for this program as part of the CARES Act which was passed on March 27, 2020. The first round of funding was quickly exhausted by April 16th and Congress worked to provide an additional $320 billion in funding which was approved on April 23rd. The SBA reopened its portal to begin accepting PPP loans for approval on Monday, April 27th. QNB is working on processing as many submitted applications for its customers as possible.

As of May 13th, QNB has processed approximately 600 PPP loans totaling $80 million for its small business customers. QNB is currently accepting applications from current business customers who have banked with us prior to 3/15/20.

If you have any questions regarding the status of an already submitted application, applying for a PPP loan or any other PPP questions, please contact your QNB lender or branch manager.

U.S. Chamber Coronavirus Loan Guide to Help Small Businesses

The U.S. Chamber of Commerce has created a guide to help small businesses, independent contractors, and gig economy workers prepare to file for a coronavirus relief loan under the Coronavirus Aid, Relief, and Economic Security (CARES) Act:


Consumer Financial Help

If you experiencing financial hardship caused by the COVID-19 pandemic, we want to assure you that we have solutions to help you through this difficult period. Here are some things we are doing to help:

Loan Account Help

  • Loan payment deferment upon request for mortgage and consumer loans with no late fee during the deferment period
  • Foreclosure and motor vehicle repossession reprieve
  • There will be no adverse credit reporting for accessing relief on mortgage or consumer loans

Deposit Account Help

  • Deposit account assistance upon request with certain fee waivers or overdraft fee refunds for those impacted
  • Early Certificate of Deposit withdrawal without penalty upon request
  • Waiver of all Excess Transaction fees

More Help

If you're experiencing financial pressure because of today's climate, you're not alone. QNB Bank has your back. That's why we've generously sponsored Banzai, a financial education platform, to help you learn the skills you need to keep your cool and stay financially strong. Learn more

Call our Customer Service Center at 800-491-9070 or 215-538-5605 to discuss your options. Our Customer Service Center hours are Monday – Friday 8:00am – 7:00pm and Saturday 8:30am – 4:00pm.


Branch Updates

With the escalation of the COVID-19 crisis, most QNB office lobbies are closed until further notice. Drive-ins are operating under normal hours, with the exception of our Country Square Office Drive-In which has extend its hours of operation to Monday – Friday 8:30am – 7pm, Saturdays 8:30am – 4pm and Sundays 10am – 4pm. ATMs and Night Drops remain available 24/7.

Banking by Appointment
Because your banking is an essential service, if you need to access your safe deposit box or conduct any other in-person transaction you can arrange an appointment to meet with us by calling our Customer Service Center at 800-491-9070 or 215-538-5605.

Offices Without Drive-Ins
Three of QNB’s twelve offices do not offer drive-in service. Our Quakertown Commons Office in the GIANT Food Store is closed. Our Allentown and Warminster Offices remain available for restricted access (one customer at a time) during normal business hours.

Mandatory Mask Requirement (effective 4/20)
Effective Monday, April 20th all visitors to any QNB office will be required to wear face masks upon entering the building. All QNB employees will also be required to wear face masks, pursuant to an Order issued by the PA Department of Health. If you do not have a face mask, one will be provided to you prior to entering the building, while supplies last.


Digital Banking Solutions

We encourage you to take advantage of our wide array of digital banking solutions including QNB-Online, QNB-Mobile, QNB Pay-A-Person, QNB-Text, QNB-Voice and online retail loan applications for your everyday banking needs. Our customer service representatives are available to help you activate (or help you use) your digital banking services, by calling: 800-491-9070 or 215-538-5605.


Fraud Awareness

Beware of scams and criminals using fear, intimidation, trickery, urgency or disinformation related to the coronavirus (COVID-19) to attempt to steal your sensitive, personal or account information, or even encourage dealing strictly in cash. Watch out for strange calls, emails, texts or websites that look like they are coming from legitimate businesses or government agencies asking for information like your Social Security number, usernames and passwords (login information), account numbers, credit or debit card numbers, PINs, etc. QNB will never request such information through email, text, or outbound calls. Always check your account statements for official websites and customer service numbers and call those numbers directly rather than giving out information over the phone, email, or text.

Coronavirus scam links:

U.S. Secret Service: “Massive Fraud” Against State Unemployment Insurance Programs

A well-organized Nigerian crime ring is exploiting the COVID-19 crisis by committing large-scale fraud against multiple state unemployment insurance programs, with potential losses in the hundreds of millions of dollars, according to a new alert issued by the U.S. Secret Service.

The Secret Service circulated a memo to field offices around the United States on Thursday says the ring has been filing unemployment claims in different states using Social Security numbers and other personally identifiable information (PII) belonging to identity theft victims, and that “a substantial amount of the fraudulent benefits submitted have used PII from first responders, government personnel and school employees.”

“It is assumed the fraud ring behind this possesses a substantial PII database to submit the volume of applications observed thus far,” the Secret Service warned. “The primary state targeted so far is Washington, although there is also evidence of attacks in North Carolina, Massachusetts, Rhode Island, Oklahoma, Wyoming and Florida.”

The Secret Service said the fraud network is believed to consist of hundreds of “mules,” a term used to describe willing or unwitting individuals who are recruited to help launder the proceeds of fraudulent financial transactions.

“In the state of Washington, individuals residing out-of-state are receiving multiple ACH deposits from the State of Washington Unemployment Benefits Program, all in different individuals’ names with no connection to the account holder,” the notice continues.

The Service’s memo suggests the crime ring is operating in much the same way as crooks who specialize in filing fraudulent income tax refund requests with the states and the U.S. Internal Revenue Service (IRS), a perennial problem that costs the states and the U.S. Treasury hundreds of millions of dollars in revenue each year. In those schemes, the scammers typically recruit people — often victims of online romance scams or those who also are out of work and looking for any source of income — to receive direct deposits from the fraudulent transactions, and then forward the bulk of the illicit funds to the perpetrators.

“The banks targeted have been at all levels including local banks, credit unions, and large national banks,” the Secret Service alert concluded. “It is extremely likely every state is vulnerable to this scheme and will be targeted if they have not been already.”

FBI Warns of 'Money Mule' Schemes Exploiting Coronavirus

The FBI says scam artists are taking advantage of the coronavirus outbreak to launder ill-gotten gains by accessing your personal and financial information and then using you to move the money for them.

The coronavirus pandemic adds a new dimension to the plot, and the FBI is warning of the following scenarios, which many times begin when people who claim to be overseas contact you by email, text or telephone:

  • People claiming to be U.S. service members stationed overseas who ask you to send or receive money on behalf of themselves or a loved one battling COVID-19.
  • People claiming to be U.S. citizens working abroad who ask you to send or receive money on behalf of themselves or a loved one battling COVID-19.
  • People claiming to be U.S. citizens quarantined abroad who ask you to send or receive money on behalf of themselves or a loved one battling COVID-19.
  • People claiming to be in the medical equipment business who ask you to send or receive money on their behalf.
  • People claiming to be affiliated with charitable organizations who ask you to send or receive money on their behalf.

The FBI is alerting the public to steer clear of any requests from strangers to act as a money mule and says that if you are contacted, get in touch with your local FBI office.


QNB consults the CDC and the PA Department of Health websites (links below) for information regarding the latest updates: