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CORONAVIRUS {COVID – 19}: CUSTOMER UPDATES

May 11, 2020

The Napoleon State Bank is continuing to monitor the recent developments of the coronavirus (COVID-19) and are committed to the safety and health of our customers, employees, and communities. We understand any concerns or uncertainty you may be feeling at this time, and want to be responsive to the needs of everyone involved as developments unfold. Our updates can be read here.


May 11, 2020
Purpose: Compliance with Indiana’s Executive Order 20-26
Effective Date: May 11, 2020 – May 23, 2020 (required by the State of Indiana)

The bank has been implementing safety guidelines and splitting employee teams as part of our Pandemic Planning since March 23rd.  Our employees and customers health is a top priority while providing continuity with our banking services.  The following safeguards will be in place to ensure a safe environment for customers and employees by May11th.

Employees
  • All employees identified under CDC guidelines as “high risk” should contact Human Resources (HR).  Each situation is evaluated on a case-by-case basis.
     
  • All employees are to monitor themselves for fever, cough, and shortness of breath each day before reporting to work. Should any employee develop any of these symptoms, he/she should not report to work and should call Human Resources.
    • No employee is to return to work until he/she is free of any of the above symptoms for 72 hours or cleared by a doctor as deemed appropriate by HR.
       
  • The bank recommends employees to take their temperature each morning prior to reporting to work.  In addition, the bank will have screening stations set up at each branch with a forehead thermometer.  This is as an option for employees who do not have thermometers or get ill at work.   
    • Should an employee have a temperature of 100 or more; that employee is not to report to work and is to call HR.
    • No employee is to return to work until he/she is fever free for 72 hours, or cleared by a doctor as deemed most appropriate for situation by HR.
       
  • Any employee who falls ill or demonstrates symptoms described above during the workday will go home immediately and may not return until symptom free for 72 hours.
     
  • Absence policies are suspended. Attendance issues will be on a case-by-case basis.  
     
  • All customer-facing employees and designated customer meeting areas are equipped with a hygiene shield and facemask to help prevent the spread of illness.
     
  • All employees have access to hand sanitizer and a facemask.  The bank requires all employees to wear a facemask while conducting business face to face with customers even if a hygiene shield is available. 
     
  • All employees are to adhere to CDC social distancing guidelines as much as possible including:
    • Avoiding close contact by remaining 6 feet apart whenever possible
    • Discontinuing hand shaking and other physical contact
    • Avoiding physical attendance at functions with groups of 25 or more people. Employees should instead utilize conference calls, video conferencing, online training, etc. 
    • Staying in designated work areas as much as possible. Employees should utilize phone and email for communication and combine trips to printers, fax machines, etc. Employees should utilize the restroom closest to his/her workspace and avoid congregating in breakrooms.
       
  • Employees have access to cleaning and disinfecting products to regularly clean high-touch surfaces (at least once every 2 hours).  The use of scanning, sharing electronic files, elevators, and limiting floor access, and splitting lunchrooms in facilities are in place. 
    • Employees will disinfect after each customer encounter at our counter and face-to-face workstations.
    • Shared workspaces require disinfecting after each use. Keyboard, table, customer chairs. Pens will be the customers to take with them!
       
  • All employees should follow proper handwashing techniques and should cough/sneeze into elbows. Sanitize in and out of workspaces is encouraged. 
     
  • Signage is on display in our buildings to promote reminders for social distancing, sanitization, and symptoms.
     
  • The Napoleon State Bank will comply with all IOSHA standards.
     
Customers – Appointment Only: Contact Local Branch for Details
  • Any customer showing symptoms of COVID-19 (fever, cough, shortness of breath) should not enter the lobby.
     
  • All customers are encouraged to utilize online, mobile, telephone, and drive through services whenever possible.
     
  • All customers identified under CDC guidelines as “high risk” should avoid entering branch lobbies. Customers should call 812-852-4002 or your branch for additional assistance.
     
  • Customers that enter our buildings are required to wear facemasks, utilize our automatic sanitizer, and greet the employee with a quick view of their full face before being serviced.
    • We will happily continue to service customers at our drive thru and other means when they are not comfortable to work with our safety guidelines or experience health concerns. 
       
  • All customers should adhere to CDC social distancing guidelines by staying six (6) feet apart. Our floors will be marked to guide you. 
     
  • All customers should follow proper handwashing technique as described on signs posted in the restroom, utilize hand sanitizer upon entry to bank, and should cough/sneeze into elbows. We will refrain from normal handshakes but greet you with great appreciation!


April 13, 2020
The U.S. Government approved a large stimulus package (CARES ACT) on March 27th to help individuals and businesses who are impacted by the recent Coronavirus pandemic. One of the benefits under the CARES ACT includes a one-time Economic Impact Payment to those who qualify.
 
The first round of Economic Impact Payments have been issued from the government and are expected to continue over the next couple of weeks.  We are encouraging our customers to be sure your phone number is up to date in our system by logging into your internet banking account on a pc, selecting Profile in the upper right corner, then go to Phone Number - Edit, or call your local branch to update your information. This will allow us to be able to get a hold of you should any issues arise with the government payments.
 
If you would like more information about the Economic Impact Payments, find out if you qualify, or want to make sure your direct deposit info or mailing address is correct, please refer to this link: https://www.irs.gov/coronavirus/economic-impact-payments
 
As always, please reach out to your local branch with any questions.



April 10, 2020
In an effort to continue keeping everyone healthy, our Drive-Thru's remain open, but our lobbies at ALL branches are closed. If you have a specific need, or any questions, please contact your closest branch by telephone, and we will be happy to assist you. 


April 3, 2020
During these unprecedented times, we know that many businesses are experiencing increased difficulty with remaining open, supporting employees and still paying the bills. The Napoleon State Bank is available to help our customers access and navigate the Small Business Administration (SBA) Paycheck Protection Program (PPP), which provides the funding customers may need to support their business and employees.
 
We are continually evaluating the guidance published on April 2, 2020 from the SBA and the U.S. Treasury as it continues to change daily. We encourage our customers to visit https://home.treasury.gov/policy-issues/top-priorities/cares-act/assistance-for-small-businesses  for detailed information for borrowers, a borrower application form and the latest information put out by the SBA.
 
The Napoleon State Bank is committed to caring for our customers, and we are here to help navigate this evolving program to ensure the continued success of our customer’s businesses now and into the future. As always, please reach out to your local branch with any additional questions.


April 2, 2020
Decatur County Customers: NSB Drive-Thru's WILL remain open during the Red Travel Alert that has been issued in Decatur County effective April 2 at 8am. We are unable to allow access to the lobbies during this period. Please check our website or call your local branch for the latest updates.


April 1, 2020
The Napoleon State Bank is offering hardship support for customers who have been financially impacted due to quarantine or loss of income during this uncertain time in our communities. We are happy to work with each customer individually to understand your personal situation and are honored to offer the following support options to our customers:

Installment/Auto/Personal Loans – Payments may be deferred up to 90 days; late fees to be waived during deferral period.
Mortgage & Home Equity Loans – Payments may be deferred up to 90 days; late fees to be waived during deferral period.
          Please note: Secondary Market loans will be subject to forbearance guidelines set forth from Freddie Mac and FHLB will be assessed on a situational basis.
Business/Commercial/Agriculture Loans – Payments may be deferred up to 90 days; late fees to be waived during deferral period. Depending on the impact this situation has on your specific business, we are willing to look at several loan modification opportunities to assist you.

If you would like to discuss one of these options, please reach out to your Lender at your local branch. It is our privilege to be a part of your community and to serve you every day. 


March 24, 2020
As our communities are placed under a Stay at Home executive order, rest assured that The Napoleon State Bank locations are designated as essential. Our bankers will remain ready to serve you through drive-up services, appointment-only meetings, ATMs, and online banking services.
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Please note that we have adjusted our staffing schedules to protect employees and customers, and are working varied shifts in order to do this. We promise to serve you in the best way we can, but we may not respond as quickly as you are used to. We appreciate your patience and understanding.
 
 
March 19, 2020
On behalf of everyone at The Napoleon State Bank, our hearts go out to all those impacted by COVID-19—this includes not only those diagnosed with the virus, but also their friends and family, those whose jobs and schools have been impacted and so many more. Our focus is, as always, on the health and safety of our employees, customers and communities.

The situation is changing rapidly, and to do our part in slowing the spread of the virus, we have decided to temporarily close our bank lobbies at all locations effective Friday, March 20. Our drive-thru’s at all locations will remain open, our staff will still be available by telephone, ATM services (including 32,000 ATMs nationwide through the MoneyPass network) are available, and night deposit boxes will be serviced. Access to the bank lobbies will be by appointment only. Please call your local branch with any questions you may have for any additional services. We have staff to service you!

We also want to take this time to encourage you to utilize the resources and tools we offer to make banking convenient for you. If you have not already done so, please enroll in our Online Banking. Once enrolled, you may also use our mobile app (NSBmobile available on Apple and Android). These features will allow you to view and manage your accounts, transfer funds, pay bills, and make loan payments. You can also make deposits using our Mobile Deposit option, available on the mobile app.

We will continue to post updates on the status of our banking locations. We will reassess our lobby services on April 1, 2020.  Thank you for your patience as we take proactive precautionary measures to protect our customers, employees and communities
 
 
March 13, 2020
The Napoleon State Bank is continuing to monitor the recent developments of the coronavirus (COVID-19) and are committed to the safety and health of our customers, employees, and communities. We understand any concerns or uncertainty you may be feeling at this time, and want to be responsive to the needs of everyone involved as developments unfold.
 
We want to take this time to encourage you to utilize the resources and tools we offer to make banking convenient for you. If you have not already done so, please enroll in our Online Banking. Once enrolled, you may also use our mobile app (NSB Mobile available on Apple and Android). These features will allow you to view and manage your accounts, transfer funds, pay bills, and make loan payments! You can also make deposits using our Mobile Deposit option, available on the mobile app! If you aren’t feeling well, please use the drive thru at any of our locations for fast service and reduced contact.
 
As always, our staff is here to assist you! Please feel free to contact any one our locations where we will be happy to help you! We will continue to monitor the situation and update as needed. We appreciate your understanding as our customers remain our top priority!
 
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