Updates in Response to Covid-19

Updates in Response to Covid-19

First National Bank of Elmer

April 7, 2020

In the face of the COVID-19 virus, your health and safety are The First National Bank of Elmer’s top priority and to protect our customers from fraudsters and criminals who seek to exploit this crisis for their profit. We have heard reports of scammers using email phishing schemes that claim to be from legitimate health organizations, advertising counterfeit virus test kits, and seeking donations fraudulently for illegitimate or non-existent charitable organizations, all to exploit people’s anxiety and uncertainty. The First National Bank of Elmer does not solicit information (Social Security number, account numbers, credit card numbers, passwords, etc.) by means of email. If you receive an email requesting confidential information from someone claiming to represent The First National Bank of Elmer, do not respond to the email – call us to report this activity.

Avoid Coronavirus Scams:

Scammers are taking advantage of fears surrounding the Coronavirus. They’re setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. The emails and posts may be promoting awareness and prevention tips, and fake information about cases in your neighborhood. They also may be asking you to donate to victims, offering advice on unproven treatments, or contain malicious email attachments. Some examples of COVID-19 scams include:

  • Treatment scams: Scammers are offering to sell fake cures, vaccines, and advice on unproven treatments for COVID-19.
  • Supply scams: Scammers are creating fake shops, websites, social media accounts, and email addresses claiming to sell medical supplies currently in high demand, such as surgical masks. When consumers attempt to purchase supplies through these channels, fraudsters pocket the money and never provide the promised supplies.
  • Provider scams: Scammers are also contacting people by phone and email, pretending to be doctors and hospitals that have treated a friend or relative for COVID-19, and demanding payment for that treatment.
  • Charity scams: Scammers are soliciting donations for individuals, groups, and areas affected by COVID-19.
  • Phishing scams: Scammers posing as national and global health authorities, including the World Health Organization (WHO) int and the Centers for Disease Control and Prevention (CDC) www.cdc.gov are sending phishing emails designed to trick recipients into downloading malware or providing personal identifying and financial information.
  • App scams: Scammers are also creating and manipulating mobile apps designed to track the spread of COVID-19 to insert malware that will compromise users’ devices and personal information.
  • Investment scams: Scammers are offering online promotions on various platforms, including social media, claiming that the products or services of publicly traded companies can prevent, detect, or cure COVID-19, and that the stock of these companies will dramatically increase in value as a result. These promotions are often styled as “research reports,” make predictions of a specific “target price,” and relate to microcap stocks, or low-priced stocks issued by the smallest of companies with limited publicly available information.

Here are some tips to help against scammers:

  • Hang up on robocalls. Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
  • Independently verify the identity of any company, charity, or individual that contacts you regarding COVID-19.
  • Check the websites and email addresses offering information, products, or services related to COVID-19. Be aware that scammers often employ addresses that differ only slightly from those belonging to the entities they are impersonating. For example, they might use “cdc.com” or “cdc.org” instead of “cdc.gov.”
  • Be wary of unsolicited emails offering information, supplies, or treatment for COVID-19 or requesting your personal information for medical purposes. Legitimate health authorities will not contact the general public this way.
  • Fact-check information. Scammers, and sometimes well-meaning people, share information that hasn’t been verified. Before you pass on any messages, contact trusted sources.
  • Do not click on links or open email attachments from unknown or unverified sources. Doing so could download a virus onto your computer or device.
  • Make sure the anti-malware and anti-virus software on your computer is operating and up to date.
  • Ignore offers for a COVID-19 vaccine, cure, or treatment. Remember, if there is a medical breakthrough, you won’t hear about it for the first time through an email, online ad, or unsolicited sales pitch.
  • Check online reviews of any company offering COVID-19 products or supplies. Avoid companies whose customers have complained about not receiving items.
  • Research any charities or crowdfunding sites soliciting donations in connection with COVID-19 before giving. Remember, an organization may not be legitimate even if it uses words like “CDC” or “government” in its name or has reputable looking seals or logos on its materials. For online resources on donating wisely, visit the Federal Trade Commission (FTC) gov website.
  • Be wary of any business, charity, or individual requesting payments or donations in cash, by wire transfer, gift card, or through the mail. Don’t send money through any of these channels.
  • Be cautious of “investment opportunities” tied to COVID-19, especially those based on claims that a small company’s products or services can help stop the virus. If you decide to invest, carefully research the investment beforehand. For information on how to avoid investment fraud, visit the U.S. Securities and Exchange Commission (SEC) gov website.
  • For the most up-to-date information on COVID-19, visit the Centers for Disease Control and Prevention (CDC) at cdc.gov and World Health Organization (WHO) who.int.

If you have any specific questions or concerns about our coronavirus response, please don’t hesitate to contact Matthew A. Swift, SVP/Chief Financial Officer/Chief Operating Officer , or Joanna M. Penman, SVP/Chief Banking Officer .

Warm Regards,
Brian W. Jones

First National Bank of Elmer

Updated Information Regarding the Coronavirus (COVID-19) Pandemic

March 25, 2020

The Coronavirus (COVID-19) continues to be a primary concern for our customers and staff.  This update is in addition to our notice of March 16, 2020 and addresses some key issues.


  • Borrower Assistance Program – Commercial: The First National Bank of Elmer (FNBE) is offering to defer certain loan payments for commercial loan borrowers most impacted by the COVID-19 virus outbreak.  The loan payment deferment shall be for full principal and interest payments for a period up to 90 days for industries most severly impacted.  These industries include, but are not limited to, hospitality (hotel/motel/bed and breakfast inns), restaurants (dine-in/takeout/ catering facilities), and certain retail establishments.  Other industries affected by the COVID-19 virus outbreak are eligible to apply for relief to include interest only payments with principal payments deferred up to 90 days.  All existing FNBE borrowers are encouraged to contact the bank for additional information and eligibiity requirements. (see below)
  • Borrower Assistance Program – Consumer: FNBE is offering to defer certain loan payments for residential mortgage and consumer loan borrowers most impacted by the COVID-19 virus outbreak.  Existing residential mortgage and consumer loan borrowers are encouraged to contact the Bank for additional information and eligibility for participation in the program.

Existing borrowers who wish to inquire or request relief are encouraged to call their Commercial Loan Officer or Retail Loan Officer.  General inquiries can be made to or 856-358-7000 x0500.  All relief programs offered are subject to bank approval.

If you haven’t already done so, enroll in Online Banking and download our Mobile Banking app to securely manage your accounts, pay bills and transfer funds. While our branch lobbies remain closed, we continue to provide full-service banking via our Drive-Thru lanes.

All branch locations are open regular banking hours:  Monday – Friday 8:30am- 6pm, Saturday 8:30am-12pm. Our 24-hr ATM’s are available for your convenience or you can utilize the Allpoint ATM Network with over 55,000 Surcharge-Free ATM’s. Visit allpointnetwork.com for a location near you.

During this difficult and uncertain time, we remain committed to providing you the service and assistance you expect from your local community bank.  Visit us on the web at elmerbank.com for more information.


  • The First National Bank of Elmer (FNBE) has a disaster recovery plan and pandemic policy which includes business continuity plans in place with several levels of back-up.
  • The First National Bank of Elmer’s (FNBE) federal regulator, the Office of the Comptroller of the Currency regularly examines the bank to ensure that we have detailed, tested disaster recovery procedures and business resumption plans.
  • The safest place for your money is in a commercial bank. The First National Bank of Elmer is a FDIC insured institution, and your deposits are insured under the current FDIC coverage limits.

If you have any specific questions or concerns about our coronavirus response, please don’t hesitate to contact Matthew A. Swift, SVP/Chief Financial Officer/Chief Operating Officer , or Joanna M. Penman, SVP/Chief Banking Officer .

Warm Regards,
Brian W. Jones

First National Bank of Elmer

Our response to the COVID-19 Pandemic

March 16, 2020

At The First National Bank of Elmer, the health and safety of our employees, customers, and community are our primary concerns, as is delivering quality service to our customers.  We would like to update you on the measures we are taking to ensure our employees remain safe and our customers receive the proper service.

We are currently operating with minimal interruption in our service to customers, and to-date have not directly been affected by the coronavirus.  We have a strong infrastructure in place to support our business continuity efforts that includes the safekeeping of our data and all customer information.  We have taken the following steps:

  • Effective Wednesday, March 18th, all branches will only have drive-in and walk-up window services available. Safe Deposit access will be by appointment only.  We have asked all branch team members to also follow the CDC guidelines that can be found at cdc.gov and to utilize the sanitizing products provided by The First National Bank of Elmer.
  • Participation has been suspended in all EXTERNAL workshops, seminars, meetings, and conventions.
  • All business air travel, regardless of reason, has been suspended. With respect to all other modes of transportation (via automobile, train, etc.), all non-essential travel has been suspended.
  • Requiring employees who exhibit a fever, cold or flu-like symptoms to remain at home and not come into the office or visit our customers.
  • We are providing hand sanitizer dispensers for our offices.
  • The health and well-being of each team member, our customers and our community are of the utmost importance to all of us at The First National Bank of Elmer. We are closely monitoring the situation across the country and here at home.  A cross-departmental team continues to confer regularly during this swiftly unfolding situation, and we are seeking out and following the best guidance available from federal and state health authorities.  That guidance is what led us to implement these new practices and protocols.

Always remember you may use our mobile online-banking app to view your accounts and statements online, transfer between accounts, and pay your bills.  Our ATMS and drive-thru banking will continue to be available to serve your financial needs.

If you have any specific questions or concerns about our coronavirus response, please don’t hesitate to contact Matthew A. Swift, SVP/Chief Financial Officer/Chief Operating Officer , or Joanna M. Penman, SVP/Chief Banking Officer .

Brian W. Jones
President/CEO, The First National Bank of Elmer