COVID-19 Resources

Updated 8/6/21

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.


Branch Updates

Lobbies Reopen
Effective Friday, June 5th, all QNB office lobbies have reopened with their normal operating hours. Our Quakertown Commons office inside GIANT Food Store has also reopened; however, staff is limited due to social distancing requirements. Drive-ins are also operating under normal hours. ATMs and Night Drops remain available 24/7.

Social Distancing Requirement
All visitors are required to maintain social distancing upon entering the building by staying at least 6 feet apart from one another. As a result, office capacity is limited.

Mandatory Mask Requirement
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. If you prefer to not wear a face mask, please continue to use the drive-in service or our digital banking solutions for your every day banking needs.

Banking by Appointment
Since our lobbies will be operating under limited capacities, our banking by appointment service will remain available. You’re encouraged to make an appointment for customer service by calling our Customer Service Center at 800-491-9070 or 215-538-5605.


Small Business Help

Paycheck Protection Program (PPP)

Direct Forgiveness Portal - Update 8/6/21

QNB is pleased to inform its PPP Borrowers that the Bank has opted into the SBA's PPP Direct Forgiveness Portal. The Direct Forgiveness Portal allows PPP borrowers whose loans are $150,000 or less to apply for forgiveness directly to the SBA by submitting a simple pre-filled application. The portal is designed to streamline the forgiveness processing for PPP Borrowers. After registration, you may use this streamlined process which will automatically submit your forgiveness request to QNB Bank.

The Direct Forgiveness Portal features live customer support from the SBA for PPP related questions at 877-552-2692. Below are links to the portal and SBA Direct Forgiveness Portal User Guide:

SBA Direct Forgiveness Portal

Paycheck Protection Program: Direct Forgiveness Portal User Guide 

PPP History

U.S. Small Business Administration (SBA) and Treasury implemented the Paycheck Protection Program (PPP) which was designed to assist small businesses and their employees during this crisis. This program provided small businesses with payroll assistance in the form of a 100% guaranteed loan from SBA. 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.

PPP funding was officially exhausted on May 4, 2021. During both rounds of PPP funding, QNB was able to help its customers secure 966 loans totaling more than $117 million. While no new PPP applications can be accepted, we continue to work with customers to help them through the Loan Forgiveness application process. 

Loan Forgiveness

On June 17th, the SBA released guidance pertaining to the Paycheck Protection Program Flexibility Act (“PPPFA”).

We are accepting PPP Forgiveness applications from QNB borrowers through our secure e-mail address at QNB emailed information about how to apply for forgiveness to all its PPP borrowers on Thursday, August 20, 2020.

If you used PPP loan proceeds for qualified expenses, PPP loans are eligible for forgiveness up to 100% of the loan amount. PPP borrowers are responsible for understanding the SBA's rules. We encourage you to consult with your CPA, tax advisor, financial advisor or attorney for tax and legal guidance related to your specific circumstances. Any assistance QNB provides should not be construed as tax or legal advise.

You may submit your PPP Forgiveness applications and documentation supporting your forgiveness calculation via email to

PPP Assistance Links

PPP Forgiveness Application Link

Form 3508 Documentation Checklist

Form 3508 Completion Guide

Form 3508 EZ, Form 3508S Documentation Checklist

Form 3508 EZ & Form 3508S Completion Guide

PPP Forgiveness Timeline

We encourage you to check the SBA Website regularly for the most up to date information.

PPP Updates:

  • On November 5, a federal judge ordered the Small Business Administration (SBA) to release the names, addresses and precise loan amounts for all Paycheck Protection Program (PPP) loan recipients and all COVID-19-related Economic Injury Disaster Loan (EIDL) recipients. The judge found that SBA’s claimed exemptions from the Freedom of Information Act do not cover the PPP data sought by major news organizations. The SBA didn't appeal the ruling and publicly released this information on Dec. 1.
  • Banks that issued PPP loans played no role in the decision to release this information.
  • A lot of PPP loan data has already been made public. Earlier this year, at the request of Congress, the media and the public, SBA released less specific information. For loans totaling $150,000 and higher, SBA released the names and addresses of borrowers but provided a range for loan totals; for smaller loans, it released the exact amount and name of the lender but not the identity of the borrower.
  • We have heard that some third-party businesses are using the publicly released data to solicit business from PPP borrowers, specifically referencing the name of the lending institution. Some of these businesses are not disclosing that they are unaffiliated with the PPP lender, and others are implying a business relationship where none exists. QNB has not engaged any third party for PPP forgiveness help.
  • PPP borrowers are encouraged to consult with their financial advisers, attorneys or lenders about their PPP loan and the forgiveness process. Borrowers should be very wary of responding to unsolicited communications or sharing information about their PPP loan with businesses or individuals not affiliated with their bank.


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
  • Federal grant available for Bucks County homeowners
    • Credit Counseling Center’s Foreclosure Counseling Program received a grant from Bucks County Department of Housing and Community Development to provide foreclosure counseling services and financial assistance for those struggling with mortgage payments because of the pandemic. While funds last, the grant will pay the delinquent mortgage amount for individuals who meet the unemployment, income, mortgage, property and eligibility requirements. To see if you qualify to have your mortgage covered, or for other housing-related assistance, contact Credit Counseling Center for an appointment at 215-348-8003, email, or visit the website

Credit Counseling Center Mortgage Grant

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 joined forces with KOFE (Knowledge of Financial Education), a financial education platform, to help you learn the skills you need to keep your cool and stay financially strong. Learn more about KOFE

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.


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: