• Alert: COVID-19 Bank operation and services update. Before coming into the Bank for account services such as; changing signers on an account, opening an account, or CD and IRA transactions, please call your local banking center to schedule an appointment. This will help minimize your time at the Bank to ensure proper social distancing. Go to ‘About Us’ and select ‘Locations’ for phone numbers and lobby hours.
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SBMC/SBA Paycheck Protection Program (PPP) FAQ

Savings Bank of Mendocino County / SBA Paycheck Protection Program (PPP) FAQ

We hope that the following Frequently Asked Questions will answer a majority of preliminary questions businesses have before applying for this loan. Please review this FAQ before contacting the bank as we are experiencing an unprecedented number of phone calls and emails by customers requesting similar information.

  • What is the PPP?
  • The Paycheck Protection Program is a Federally supported loan program under the SBA’s 7(a) lending program. The purpose is to retain and rehire employees who have been laid off, furloughed, or have had hours reduced as a result of COVID-19, and help businesses cover payroll related expenses.

  • Is Savings Bank participating in the PPP?
  • Yes. Savings Bank is an approved SBA lender and is participating in the program.

  • Can I apply if I’m not a current Savings Bank customer?
  • At this time, Savings Bank is giving priority processing to existing customers. If you are not a customer, please contact your primary financial institution to see if they are participating in the program. If not, you may submit an application to Savings Bank however it will be placed at the bottom of the queue to ensure our existing customer base is taken care of first.

  • What’s the difference between this program and the other Emergency Disaster Loan?
  • The PPP is a loan made directly from local lenders, whereas the Emergency Injury Disaster Loan (EIDL, pronounced “idle”) is made directly from SBA. Each loan product has its own parameters when it comes to eligible uses of proceeds. For more information on the EIDL, please visit https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/economic-injury-disaster-loan-emergency-advance

  • When can applicants apply for a PPP loan?
  • Qualified borrowers can apply starting
    • Friday, April 3rd for small businesses and sole proprietors with employees
    • Friday, April 10th for independent contractors and self-employed individuals

  • How is the maximum loan amount calculated?
  • The maximum loan size is up to 2.5 times your average monthly payroll costs from the past year, subject to a $10 million cap. Payroll related costs will be capped at $100,000 annualized, for each employee.
  • The following is current guidance (subject to change) on how to calculate the maximum loan amount:

    • Step 1: Aggregate payroll-related expenses from the last twelve months
    • Step 2: Subtract any compensation paid to an employee in excess of an annual salary of $100,000 and/or any amounts paid to an independent contractor or sole proprietor in excess of $100,000
    • Step 3: Calculate average monthly payroll costs by dividing the total by 12
    • Step 4: Multiply the average payroll costs by 2.5
    • If you received any proceeds from an EIDL loan prior to April 3rd, add that amount to the total loan request, but subtract the amount of any advance given. If you did not apply for an EIDL then you do not need to include any additional figure in the calculation.

  • Is the PPP loan forgiven?
  • The borrower will owe money when the loan is due, if loan funds were used for anything other than payroll-related expenses, mortgage interest (if applicable), rent, and utilities payments over the 8 week period after loan funding. Provided the business can provide supporting documentation to show loan proceeds were used for eligible expenses, then they can apply to have the loan forgiven.
  • Since the purpose of the PPP is to retain and/or rehire staff, the borrower will also owe money if the business does not maintain its staff and payroll. For example:
    • The amount of forgiveness will be reduced if the business decreases its full-time employee headcount
    • The amount of forgiveness will also be reduced if the business decreases salaries and wages by more than 25% for any employee that made less than $100,000 annualized in 2019.
    • Re-hiring: The business has until June 30th, 2020 to restore its full-time employment and salary levels for any changes made between February 15, 2020 and April 26, 2020.

  • What are payroll-related expenses?
  • Payroll costs consist of:
    • Compensation to employees in the form of salary, wages, commissions, or similar compensation
    • Cash tips or the equivalent (based on your records of past tips, or reasonable good-faith employer estimate)
    • Payment for vacation, parental, family, medical, or sick leave
    • Payment for the provision of employee benefits consisting of group health care coverage, including insurance premiums, and retirement
    • Payment of state and local taxes assessed on compensation of employees

  • What are payroll-related expenses if I am self-employed (no employees) or am an Independent Contractor?
  • Wages, commissions, income, or net earnings from self-employment or similar compensation.

  • Do independent contractors count as employees for purposes of PPP loan calculations?
  • No. Independent contractors have the ability to apply for a PPP loan on their own. A small business that pays independent contractors should not include those expenses in their payroll calculations.

  • What do I need to do to apply for the PPP loan?
  • Savings Bank is requesting the following documentation:
  • I’m ready to apply for a PPP loan. What do I do now?
  • Please email one of the following commercial loan officers in order to receive a link to Savings Bank’s secure file sharing network:

  • What if I submitted my application before April 3rd?
  • Please go to https://www.sba.gov/document/sba-form--paycheck-protection-program-borrower-application-form to complete the latest version of the application form as information has changed. This will not change your place in the queue provided you had submitted a complete application prior to the SBA changes.

  • How quickly will I know that I’m approved for the PPP, and when will funding happen?
  • We do not presently have a timeframe of when loans will be approved or funded. The bank has been timestamping applications upon receipt and will process loans in the order they were received.

We stand ready to assist our customers: COVID-19

We want to assure you that Savings Bank of Mendocino County stands ready to assist our customers during this difficult time. Our team is closely monitoring the COVID-19 developments and taking appropriate measures to provide banking services in a safe manner.

For all existing Savings Bank customers, we are making the following available to those of you that have been impacted by COVID-19. Our hope is that this assistance will provide you with some relief during this difficult time.


Contact your lender to discuss the following options:

  • Business loan payment deferrals and emergency loans
  • Personal loan payment deferrals and emergency loans
  • Mortgage payment relief up to 6 months
  • Waived late payment fees for a period of time
  • SBA Loans - We are participating in SBA loan programs.

    See the SBMC/SBA Paycheck Protection Program (PPP) FAQ tab above.

    Contact your loan officer or one of the following commercial loan officers for information:

    Sid Harper (707) 463-6094
    Renee Elliott (707) 463-6046
    Jose Ortiz (707) 463-6089

    Visit https://home.treasury.gov/cares for information about the U.S. Treasury CARES Act assistance for small businesses.


The following fees will be waived until 5/31/20 or further notice:

  • Overdraft and Non-sufficient Funds (NSF) fees will be waived until 5/31/20
    Note: If the account balance is insufficient, items may be returned
  • Stop Payment fees
  • CD early withdrawal fees/penalties
  • Businesses - Night Depository fee for the first year


  • Waive incoming wire fees until 5/31/20


We are working to maintain the maximum number of locations, hours and services available to our customers based on our staffing resources. We have social distancing practices in place and are limiting the number of people in the lobby at the same time. For the well-being of all, please do not come into the bank if you have a fever or have potentially been exposed to COVID-19.

  • Lobbies open with revised hours, 9:00am – 3:00pm (until further notice)
  • Ukiah Main, Willits, Laytonville, Fort Bragg, Mendocino and Lakeport

  • Lobbies closed through 4/30/20 (or until further notice)
  • Hopland, South Ukiah, Redwood Valley

  • Drive-up Interactive Teller Machines, 8am – 5pm M-Th and 6pm Friday
  • Ukiah, Redwood Valley, Willits, Fort Bragg

  • Drive-up Window, open regular business hours
  • Lakeport, Laytonville

  • Walk-up Window, open regular business hours
  • Willits

  • ATMs – Available 24/7
  • Ukiah, Redwood Valley, Willits, Fort Bragg, Mendocino, Lakeport

  • Online Banking
  • www.savingsbank.com

  • Mobile Banking Apps for Apple® and Android® Devices
  • Connect to your accounts anytime, anywhere

  • TeleBank (877) 477-1154
  • Connect to your accounts 24/7

  • Night Depository
  • A secure way to drop off deposits day or night

  • Debit and Credit Cards
  • Use to make purchases with your card instead of using cash

  • By Phone
  • Call a Loan Accounting Representative to make a payment (707) 462-6613 EXT 1240

    Call your local banking center for any other banking needs or questions. Phone numbers are available on our website locations page.


Banking Services and Wellness: COVID-19

We want you to know that we are taking proactive measures to prepare for Coronavirus (COVID-19). We are closely monitoring developments from the Centers for Disease Control and Prevention, as well as state and local authorities and are aware that COVID-19 has been declared a global pandemic by the World Health Organization.

Our top priority is the health and wellness of our customers, employees and the communities we serve while continuing to provide banking services. We want to assure you that we have taken precautionary measures to promote good health and wellness.

Our banking centers are professionally cleaned and we are enhancing our cleaning protocols for commonly touched surfaces. Our employees have been informed and urged to follow basic preventative measures and have been asked to stay home if they or a family member have a fever or have potentially been exposed to COVID-19. To help keep us all well, we ask that customers do the same.

We have social distancing practices currently in place, which means when you stop by the Bank we’ll greet you with a friendly smile instead of a handshake. We will not be traveling for business to large conferences, classes or trainings and we have put into practice alternatives to meeting in person for large group employee meetings.

We know that access to your accounts is top priority. Because of this we want to remind you that we offer the latest banking technology. These tools give you the flexibility and convenience to access your accounts without coming into the Bank. Our presence on social media allows customers and the community to connect with the Bank for up to date information from your computer or mobile device. If you haven’t already done so, now is a great time to login to Online Banking, download the mobile app and follow us on Facebook and Instagram.

  • Drive-up Interactive Teller Machines
  • Open from 8am – 5pm Monday through Thursday and until 6pm on Fridays in Ukiah, Redwood Valley, Willits and Fort Bragg.

  • ATMs
  • Available 24 hours a day, 7 days a week. 14 machines to serve you in Ukiah, Redwood Valley, Willits, Fort Bragg, Mendocino and Lakeport.

  • Online Banking, www.savingsbank.com
  • Access your accounts online to transfer money between your accounts, check balances, monitor account activity, view statements, pay bills, person to person payments and more.

  • Mobile Banking Apps for Apple® and Android® Devices
  • Connect to your accounts anytime, anywhere. Deposit checks in a snap, transfer money between your accounts, check balances, monitor account activity and pay bills.

  • Debit and Credit Cards
  • We have options for you if you prefer to use a card instead of cash.

  • TeleBank (877) 477-1154
  • Your telephone can connect you to your accounts 24 hours a day, 7 days a week.

  • By Phone
  • If you would like to speak with a Loan Accounting Representative to make a payment by phone, please call (707) 462-6613 EXT 1240.

    To speak to a bank representative for any other banking needs or questions, please call your local banking center. Phone numbers are available on our website locations page, https://www.savingsbank.com/locations.php

  • Facebook and Instagram
  • Follow us on Facebook and Instagram for the most current information about Bank operations and services as the situation progresses.

    Savings Bank is well prepared and our team is closely monitoring local conditions, the recommendations of medical experts and governmental representatives, and we are taking appropriate measures. We will provide updated information on our website and on our Facebook and Instagram pages as necessary.

    As your local community bank, we’re here for our customers, our employees and the community.

    Scott Yandell

    President and CEO

    Savings Bank of Mendocino County

Important Local Contact Information

Office of Emergency Services

Mendocino County:

(707) 467-6497


Lake County:

(707) 262-4090


Emergency Alerts for Lake and Mendocino Counties:

The best way to ensure that you receive vital emergency information is to register for both systems (Everbridge and Nixle) and register as many communication methods as possible (cell phones, landlines and email).

MendoAlert (Everbridge):


LakeCoAlerts (Everbridge):



Generally, Nixle is a secondary notification tool which sends notifications via text message to cell phones.

local.nixle.com/county/ca/mendocino & local.nixle.com/county/ca/lake

Residents can also register for all notifications affecting their zip code by texting their zip code to 888777 or can register for all Nixle alerts sent in the Mendocino County by texting MendoAlerts to 888777.

Are You Financially Prepared for a Wildfire?

Get your finances and property ready in case of a wildfire.


Recovery is easier if you have an accurate home inventory. Document the contents of your home before a fire occurs. Use your smartphone to video your belongings. Keep your inventory & photos outside home or in the cloud.

Tip 1: Video or photograph each room of your home.

Remember to document drawers and closets.

Tip 2 :Describe your home's contents in your video.

Mention the price you paid, where and when you bought the item.

Tip 3: Remember to note important or expensive items.

Video your electronics, appliances, sports equipment,TVs, computers, tables.

Tip 4: Save receipts for major purchases.

Store key documents in the cloud or fireproof case. Keep home inventory offsite or in the cloud.

Tip 5: Video the garage.

Don’t forget to video or photograph what is inside your garage.


Keep these six “P’s” ready in case immediate evacuation is required:

People and Pets

Papers, phone numbers and important documents

Prescriptions, vitamins and eyeglasses

Pictures and irreplaceable memorabilia

Personal computer hard drive and disks

Plastic (credit cards, debit cards, ATM cards) and cash


A home is generally your largest asset. Protect it. Insurance is the critical back-up plan enabling you to rebuild your home after a wildfire. Federal catastrophe grants are not enough to rebuild a home. Make sure your family’s financial safety net is in place, in case disaster strikes.

Follow these tips as part of your Ready, Set, GO! wildfire preparedness plan:

Tips 1: Conduct an Annual Insurance Check Up

Call your agent or insurance company annually to discuss your policy limits and coverage. Make sure your policy reflects the correct square footage and features in your home. Consider purchasing building code upgrade coverage.

Tips 2: Know What Your Policy Covers

The details matter. Understand if you have a replacement cost policy that pays to replace all your items at current market price or an actual cash value policy that takes depreciation into account and pays less for aged items.

Tips 3: Update Your Policy to Cover Home Improvements

If you make home improvements, be sure to call your agent or company to update your coverage. Make sure your insurer knows about the changes, so the new countertops, floors or room are covered if you must rebuild.

Tips 4: Maintain Insurance

If your home is paid off, be sure to maintain homeowner insurance. Without insurance, do you have the money to rebuild your home? Check with loved ones whose homes are paid off to be sure they continue to carry homeowner insurance.

Tips 5: Get Renters Insurance

Renters can lose everything in a fire and be left to start over. Many insurers bundle renters insurance coverage with an auto insurance policy at affordable prices.

Emergency Preparedness Resources


Find information on the following: active shooter, attacks in public places, cybersecurity, earthquakes, emergency alerts, extreme heat, floods, home fires, household chemical emergencies, hurricanes, landslides & debris flow, pandemic, power outages, severe weather, extreme cold, thunderstorms & lightning, volcanos and wildfires. www.ready.gov


For checklists and to learn what to do before a wildfire strikes and what to do before, during and after evacuations: www.readyforwildfire.org

Fire-Resistant Landscaping: www.readyforwildfire.org/Fire-Resistant-Landscaping/

Defensible space for your home: www.readyforwildfire.org/defensible-space


Access FEMA’s National Preparedness Resource Library and information on: national planning frameworks, dam safety, floods, hurricanes and recovery resources. www.fema.gov