COVID-19 and Paycheck Protection Program Updates

COVID-19 and Paycheck Protection Program Updates

As we continue to see an uptick in COVID-19 cases in Connecticut, we are taking additional precautions to protect the health and well-being of our team, our customers and our community.

Effective Monday, November 23rd all Northwest Community Bank lobbies will be closed for walk-in service and operating as drive-up only. For in-branch service, we request you schedule an appointment at least 24 hours in advance. We encourage you to continue to use our drive-up windows, ATMS, and mobile/online banking.

All Northwest Community Bank lobbies returned to normal business operations on Wednesday, July 8th. We encourage you to continue to use our drive-up windows, ATMS, and mobile/online banking. When entering our lobbies, we will require all customers to wear a mask, follow social distancing markers, and have identification ready to present to staff.

New Paycheck Protection Program (PPP) Loan, January 15, 2021

The SBA has advised it will begin accepting applications as of 9:00 am on Friday, January 15, 2021 for the next round of the Paycheck Protection Program (PPP) which includes $284 Billion in new funding. This application round is for both first time Borrowers to the program (first draw), as well as those who have previously applied (second draw).

You can now begin your application clicking on the Apply Now button below. A few important pieces of information to keep in mind:

  • If you have specific program qualification questions, we encourage you to please visit the SBA website, as the SBA is ultimately responsible for setting the final rules and guidance to the program.
  • For general questions, please continue to email your Commercial Bank Team at:
  • The Bank is considering this new round as a new application and new process. If financial documentation was provided during the last round of application to the Bank, and is required for approval this round, you will need to supply this information again with the new application.
  • We are only processing PPP applications for existing customers.
Lobby Access and Protocols, Updated November 20, 2020

Effective Monday, November 23rd all Northwest Community Bank lobbies will be closed for walk-in service and operating as drive-up only. For in-branch service, we request you schedule an appointment at least 24 hours in advance. We encourage you to continue to use our ATMs, drive-up, night drop, and mobile/online banking.

The safety of our customers and staff continues to be a priority and we have implemented the following procedures:

  • All staff and customers will be required to wear a mask while inside Northwest Community Bank branches.
  • We have installed plexiglass shields at all our teller counters for the protection of everyone.
  • We have installed social distancing markers throughout all of our lobbies. We request all staff and employees kindly follow their guidance.
  • We will be limiting the number of customers allowed in the lobby at once in order to follow social distancing guidelines.
  • Customers will be required to bring identification into the bank. We may ask that you momentarily lower your mask for identification purposes if needed.
  • Our staff is sanitizing high touch point areas hourly, pin pads after each use, and wiping down desks and workspaces with disinfectant wipes daily.
  • Some of our branch locations will have designated specific doors for Entering and Exiting the building. (Torrington will enter as usual, and exit via the side door, Litchfield will enter in the rear and exit via the front.)

We understand that not everyone feels comfortable conducting in-person business just yet, so we encourage you to continue to use our ATMs, drive up windows, and mobile/online banking.

Northwest Community Bank will continue to monitor the and the websites for changes in COVID-19 guidelines and mandates. We will provide updates as they become available should we need to make any additional changes to our processes or operations.

Should you need to contact any of our branches, you may view our locations by clicking here.

Paycheck Protection Program Loan Forgiveness for Borrowers, Updated December 23, 2020

The Bank has received additional guidance regarding the SBA Loan Forgiveness process and timeline. This week, Congress passed an additional $900+ billion COVID-19 Relief Bill which includes $284 Billion in new funding for the Paycheck Protection Program. This Bill is to make a number of changes to the PPP Program experienced in the first round, and because of this, we do not expect the program to fully open for loan applications and submissions until sometime after the New Year.

The SBA will have a grace period after the package is enacted to put together their rules. We will not be able to take action or accept applications on either matter until the SBA rules are made final, in addition, to ensure the accuracy of information for our customers, we will not be putting any application materials or inquiry forms on our websites until the final rules are published and confirmed.

The stimulus package also includes pending changes to the forgiveness process for those businesses that already received a PPP loan. The changes focus on loans less than $150,000, so you may wish to wait to apply for forgiveness until those rules are published. For those Borrowers who have loans over this threshold and/or are ready to apply, please continue to follow the guidance and access your application at the bottom of this notice.

We will continue to update our customers as information is provided by the SBA and appreciate your patience during this time as we await final guidance and information.

To begin your application, please click the following link:


Your login credentials are as follows:

  • Tax ID Number
  • SBA Approval Number (found on the first page of your promissory Note)
  • The Loan Amount

Please be advised of the following:

  • You can sign in and out of your application as many times as you want and make changes to it
  • If you choose, an advisor, such as your accountant, can work on the application for you. You will need to share the sign-on credentials.
  • There is a section near the end of the application that allows you to upload your supporting documents. All documents need to be uploaded into the system. We cannot accept paper or emailed documents.
  • You will receive a secure message from Bank staff who are reviewing your application if they have any questions or need additional documentation.
  • Once the application is complete and ready to be submitted, you will electronically sign it. It will automatically be submitted to the bank for review. You will have the opportunity to modify the application even after you submit it.

Below is a list of documentation that may be required depending on your specific loan circumstances.

  • Many payroll processors are providing specialized payroll reports for Worksheet A schedules for periods including the Covered Period, the Reference Period, and the first quarter of 2020. We encourage you to use these schedules if available.
  • 941 Quarterly Payroll Returns for the covered periods.
  • If there are issues with retaining or rehiring employees, you will need to provide documentation including copies of offer letters and filings to the State Department of Labor.
  • Benefit payroll costs need to be documented with copies of canceled checks, general ledger listings, and paid bills.
  • Only interest paid on mortgages is allowed, so please include a statement that breaks out the principal and interest payments.
  • For rent payments, you will need to provide a copy of the lease.
  • Utility payments include natural gas, electricity, water, internet, phone, and gasoline for business vehicles, and any expense for automotive expense deduction on your tax return. We have not found any Guidance for the inclusion of Security Systems or Cell Phones.

And as always, if you have any questions, please e-mail us at:

Paycheck Protection Program a Success for Local Community Banks

Click here to view Press Release (PDF).

Preventing Fraud

During this time of uncertaintly, be extra vigilant of suspicious emails, phone calls, and text messages looking for your personal information - they could be impersonatity a government agency, charity, medical or health provider, or a financial institution. Please do not supply any personal or account information via phone calls or emails sent to you from Northwest Community Bank. Contact us directly through our published phone numbers listed on our website.


Ways to Bank Remotely

Ways to bank remotely:

I-Banking helps you handle your banking needs from anywhere, anytime.

  • View up-to-the-moment account balances and up to one year of history on any deposit or loan account
  • Pay your bills with our FREE Personal I-Banking Bill Pay
  • Transfer funds between any Northwest Community Bank transaction account, as well as any checking or savings account from another financial institution
  • Make payments from your checking or transactional savings account to your Northwest Community Bank mortgage, home equity or installment loan
  • View, print or save images of checks that have cleared your account
  • View, print or save up to 18 months of monthly statements when you sign up for FREE eStatements
  • Set up FREE alerts for high or low balances, deposits or withdrawals as well as current balances to your email inbox or mobile device
  • Send secure messages to a Customer Service Representative

Mobile Banking allows you to securely access your account information 24/7 from anywhere using your mobile device.

  • Check account balances
  • View account history
  • Transfer funds between accounts (person to person and bank to bank accounts)
  • Pay bills and schedule payments
  • Locate nearby Northwest Community Bank branches and ATMs searching by zip code or address
  • Receive secure mail alerts
  • Deposit checks remotely by taking a picture of your check to securely deposit it (Learn how here)
  • Deactivate or activate your Debit MasterCard

Getting started is easy. Enroll in online banking if you haven’t already, then download our app for iPhone or Android phones or tablets!

It’s easy to get started using Our Secure Online Banking Login, for Personal click here to register and for Business click here to register. If you need further assistance, please call us to request a virtual appointment.

Our drive-up window and ATM networks makes it easy for you to bank whenever and wherever it’s most convenient.

  • Check account balances
  • We offer 4 drive-up locations that allow you to do your banking right from your car
  • As part of the Connecticut Mutual Holding Company, we offer 13 ATM locations to make withdrawing money easy with no fees! Deposits can only be made at Northwest Community Bank ATMs.
  • Night drop locations will remain available for use.

We’d like to remind you that your money is safe in banks during this tumultuous time, and you can read a statement here from the Banking Commissioner for additional information and reassurance.

How to Deposit a Check Using the Northwest Community Bank Mobile App on Your Smartphone

Did you know that you can remotely deposit your checks using our Northwest Community Bank mobile app? Learn how here.