Local Emergency Information
Affected by a local emergency event?
WE’RE HERE WHEN YOU NEED US
Local emergency events can strike at any time. They can affect a few people or an entire community. If you have been affected recently, we’re here to help.
Some ways we may be able to assist you:
- Waive late fees if you are unable to make your payment on time.
- Suspend late payment reporting to Credit Bureaus.
- Make loan modification or repayment plans available.
- Special loan products are available.
- Work with you as you begin to repair or rebuild.
Deposit Account Customers
- Waive the cost of one check order to replace checks that were destroyed.
- Waive the Debit Card reordering fee to replace cards that were destroyed.
- Take into consideration overdraft circumstances and refund overdraft fees.
- Waive stop payment fees.
Safe Deposit Box Customers
- Waive the Safe Deposit Box drilling fee if your key was lost or destroyed.
Electronic Banking Service Customers
- Waive incoming wire fees for those who have been affected by a local emergency event.
As your local community bank, we are here for you. Please give us a call or stop by any of our locations.
Important Local Contact Information
Office of Emergency Services
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).
Generally, Nixle is a secondary notification tool which sends notifications via text message to cell phones.
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.
MAKE A HOME INVENTORY
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.
REMEMBER THE SIX "P'S"
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