We’re Here for our Small Business Community!

Rely on CCBank to help guide your small business through these uncertain times. 

For over 25 years, CCBank has been here for our small business community, and we’re here for you now during this COVID-19 coronavirus pandemic. With the passing of the CARES Act, there are resources available to help your business with many of the financial burdens this pandemic has placed on you. It’s important to reach out to us at your earliest convenience! We are SBA lending experts, and we will help analyze your needs, your eligibility, and guide you through the application process.

Let’s work together to keep your small business healthy.

Get Assistance for Your Business with the SBA Paycheck Protection Program

The Paycheck Protection Program (PPP) is a new federal loan program created as part of the CARES stimulus package, to help small businesses that have been severely affected by COVID-19. To help you learn more about how you can benefit from PPP, we have created the following FAQ’s to provide answers to your questions.

What Business Expenses Can the PPP Loan Funds Be Used For?2020-04-01T18:00:58+00:00

The SBA Paycheck Protection Program provides small businesses with a loan to be applied toward payroll costs, interest on mortgages, rent, and utilities.

How Soon Will I Need to Start Paying on My PPP Loan?2020-04-01T18:00:58+00:00

Loan payments are deferred for 6 months.

Do I Need to Provide any Collateral or Personal Guarantees in Order to Qualify?2020-04-01T18:00:58+00:00

No collateral or personal guarantees.

What Are The Terms of The Loan?2020-04-03T15:40:58+00:00

Loan maturity of 2 years and an interest rate of 1.0%

Who Is Eligible?2020-04-01T18:00:58+00:00

You qualify if you are:

  • A small business with fewer than 500 employees.
  • A small business that otherwise meets the SBA’s size standard.
  • A 501(c)(3) with fewer than 500 employees.
  • An individual who operates as a sole proprietor.
  • An individual who operates as an independent contractor.
  • A Tribal business concern that meets the SBA size standard.
  • A 501(c)(19) Veterans Organization that meets the SBA size standard.

In addition, some special rules may make you eligible:

  • If you are in the accommodation and food services sector (NAICS 72), the 500-employee rule is applied on a per physical location basis.
  • If you are operating as a franchise or receive financial assistance from an approved Small Business Investment Company, the normal affiliation rules do not apply.
Source: U.S. Chamber of Commerce.
Information accurate as of 3.31.2020
How Much Can I Borrow, and How Will It Be Calculated?2020-04-01T18:00:58+00:00

Businesses can apply for loan amounts up to $10 Million. The amount should be calculated at 2.5 times the amount of your average monthly payroll expenses. Eligible payroll expenses include:

  • salaries
  • hourly wages
  • cash tips
  • employee group health care benefits
  • insurance premiums and retirement contributions.
Can the Economic Injury Disaster Loan (EIDL) be Used Along with a PPP Loan?2020-04-01T18:49:30+00:00

You can receive assistance through both the EIDL Program and the PPP Loan program for financial hardships caused by the coronavirus pandemic, but you must use the funds for different purposes. For example, if you are using PPP funds to cover utilities and rental expenses, funding received through EIDL must be used for other expenses, such as payroll or other business expenses.

We can help your business navigate through the SBA injury disaster loans available that could help you with working capital to help you get through prolonged but temporary losses in revenue. The SBA also has a debt relief program where the SBA will pay the principal and interest for a period of six months of new 7(a) loans issued prior to September 27, 2020.

Can Any Part of the PPP Loan be Forgiven?2020-04-01T18:46:54+00:00

Loans made through the Paycheck Protection Program may also be forgiven. If all employees are kept on payroll for eight weeks, the SBA will forgive the portion of the loans used for payroll, rent, mortgage interest, or utilities. Up to 100 percent of the loan can be forgiven. Talk to one of our experienced SBA lenders today to learn more.

Will The Forgiven Amount of My PPP Loan be Taxable Income?2020-04-01T18:00:58+00:00

No. This will not be considered as taxable income by the IRS.

Why is CCBank completing a core conversion?2020-05-14T16:47:47+00:00

We want to continue to offer the best in products and services to our clients as well as maximize operation efficiencies that our prior system didn’t allow. This core conversion is a major step in accomplishing both goals to better serve our clients.

Will my account number(s) stay the same?2020-05-14T16:48:24+00:00

YES. You will have the same bank account number(s) that you currently have for checking, savings, money market, CDs, IRAs, and loan products.

May I continue to use my current CCBank Checks?2020-05-14T16:49:03+00:00

Yes. You may continue to your CCBank checks. Please contact us when you are ready for a re-order, and we’ll be glad to assist you.

May I continue to use my existing debit card?2020-05-14T16:49:39+00:00

Yes. You may continue to use your current debit card throughout the conversion and at all times after. You will not need a new debit card.

Will there be a period of time I don’t have access to my funds due to the systems conversion on Month, Date, Year?2020-05-14T16:50:28+00:00

We do not anticipate there being any time you will not be able to access your funds by debit card or check. We planned the conversion over the weekend of June 13-June 14 to minimize the impact on you—while offering complete access to your funds. However, please carry an alternative form of payment during this conversion weekend in case CCBank experiences an unplanned disruption of service. For any issues during this conversion weekend, please contact your local branch office or

Will my current direct deposits and automatic drafts be affected?2020-05-14T16:51:08+00:00

Since your account number is not changing, all current direct deposits or automatic drafts will continue to be processed normally.

How does the systems conversion affect online banking and bill payment?2020-05-18T15:18:27+00:00

In order to make the switch to our new online banking system, we must temporarily limit the availability of online banking services during the upgrade period.  The upgrade period will begin on June 13, 2020, at Noon—at which time online banking will become unavailable.  Access to the new online banking system will be available on Monday, June 15 at 6:00 a.m. We sincerely apologize for the limited availability of these services during the upgrade period.

We will convert your existing bill pay information to the new system, except for business online customers who we will work individually through this conversion process. Bill Pay will be unavailable starting Thursday, June 11, 2020 at 7:00 a.m. while we convert your existing bill payment information to the new systemOur current system will make all bill payments scheduled for payment through Wednesday, June 17, 2020.  Our new system will make all payments scheduled for payment on Thursday, June 18, 2020 or later.

Can I expect any new product offering once CCBank has completed this conversion?2020-05-14T16:53:36+00:00
  • Mobile apps for business and personal clients
  • Mobile Deposit Capture for business and personal clients
  • Mobile Bill Pay will be available for business and personal clients


Additionally, our commercial clients can expect enhanced security measures for submitting ACH and wire transactions as well as an improved positive pay system.

Who should I contact if I have questions during this process?2020-05-14T16:55:06+00:00

While we hope this conversion is as seamless as possible for you, we’re here for you!

If you have any issues during this conversion weekend, please contact us at your local branch office or

What is a one-time security code?2020-05-15T18:11:45+00:00

It is a randomly generated one-time code we provide. You enter it before completing certain transactions to prevent fraudulent transactions and unauthorized access to your financial information.

Why is a one-time security code needed?2020-05-15T18:11:27+00:00

It is an extra layer of online banking protection that ensures that your funds and financial information are safe. By requiring the entry of a one-time code and the use of a phone you have on record with us, fraud is prevented even if an unauthorized user learns your online banking user ID and password. It also ensures that you are notified if an unauthorized user attempts to access your account information or complete transactions without your knowledge.

How do I use a one-time security code?2020-05-15T18:12:15+00:00

It is easy! We’ll give you the one-time code and you are asked to enter it when we call a number you have on record with us.

Do I need to save the code?2020-05-15T18:12:40+00:00

No. Once the code is entered, it is not needed again.

Login Instructions for Business Banking Customers2020-06-10T18:18:57+00:00
  1. Log in to your CURRENT online banking profile at
  2. Go to the messages icon on the top right hand side of your profile
  3. There will be a message with the subject of “New Online Banking Experience: Credentials.” Please read this email carefully, as it contains important information
  4. Go to
  5. Enter the company ID (the company ID is a new security measure and is 7 digits long) as found on the New Online Banking Experience: Credentials message you received (see step 3)
  6. Enter the user ID (this is the same sign on ID that you use for the CURRENT online banking portal)
  7. Enter the NEW TEMPORARY password (this is NOT the password you currently use for your online banking portal) found on the New Online Banking Experience: Credentials message you received (see step 3)
  8. You will then be asked to complete a second authentication for further security. You will be prompted to select a phone number to have a security code sent to the phone number we have on file. If the phone number we have on file is not text/phone call compatible, or you would like the code sent to a different phone number, please contact your branch ( to update your phone number


If you are still unable to log in after following these steps, you can contact the Operations Department at 801-763-5066. We appreciate your patience during this time.

How secure is my data?2020-06-26T18:42:52+00:00

Your data is protected by industry standard encryption as it is transmitted to our servers and once again when stored on our systems. Our servers are protected by firewall systems as well as intrusion detection systems.

Do you use encryption?2020-06-26T18:43:19+00:00

Yes, we use SSL 256bit encryption for transmitting data and 256bit server side encryption for data at rest on our systems. Any user passwords to access the platform are stored as salted hashed values and are not retrievable in original form.

Where are your servers and are they physically secure?2020-06-26T18:43:47+00:00

We host our systems using AWS. Your data will reside in the United States of America.

What happens to my data when our loan agreement ends?2020-06-26T18:44:16+00:00

When all outstanding loans are repaid we disconnect any integrated software you may have with us. Your historical data is retained for our necessary record keeping purposes and as required by law.

 Information on this page is accurate as of March 31, 2020 and is subject to change.

If you would like more information on the CARES stimulus package or the Paycheck Protection Program (PPP) loan, please contact one of our local SBA experts:

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“If everyone is moving forward together, then success takes care of itself.”
– Henry Ford