America's Banks Are Here to Help

Since the start of the government shutdown on October 1, 2025, America’s banks have taken actions to help federal employees, members of the military and their families, and federal contractors who have been affected. The assistance they are offering to customers (depending on their individual circumstances) may include fee waivers, loan modifications, payment deadline extensions, payroll advances, low-rate and zero-rate loans as well as other accommodations. ABA encourages federal employees and others in need to continue to reach out to their financial institutions to see what help is available.

Note: To be added to this list, banks should email a summary of their initiatives to Mike Townsend at [email protected]

Last updated October 23, 2025.

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ALLY BANK

• The bank is supporting customers affected by the U.S. government shutdown with a range of assistance options, including waivers for wire and expedited check fees, no-penalty early CD withdrawals, and auto payment support.
• In addition, Ally does not charge overdraft or account fees and provides ATM reimbursements.

• Encouraging federal employees affected by the government shutdown to reach out to their customer care center as soon as possible to discuss potential solutions. (SOURCE)

• Encouraging customers whose financial situation has been impacted by the pause in key functions of the U.S. federal government to contact the bank for financial assistance options tailored to their specific situation. (SOURCE)

BAYCOAST BANK

• With loan amounts available from $1,000 to $15,000, those who qualify for BayCoast Bank’s Emergency Federal Employee Loan Program will receive interest-free financing for 6 months.*  The anticipated turnaround time for this new loan program, from application approval to funding, is approximately 1-2 business days. (SOURCE)
• Eligible federal government employees include:
  • Active-duty military personnel
  • Federal law enforcement officers (Border Patrol, Customs and Border Protection, FBI, DEA, and U.S. Marshals)
  • Transportation Security Administration (TSA) Agents
  • Air Traffic Controllers
  • Emergency Response Personnel
  • Federal Prison and Courthouse Employees
  • Emergency Medical Care Providers

BLACK HILLS COMMUNITY BANK

• Has implemented a financial assistance program to support military service members and federal employees in its community who are affected by the federal government shutdown by offering no-interest, no-fee short-term loans.
• The program offers various forms of relief including interest-free loans, fee waivers, and loan payment accommodations during the shutdown period. (SOURCE)

• Urging customers affected by the shutdown to contact the bank to benefit from relief assistance.
• Financial relief for Checking and Money Market customers includes:
• Monthly maintenance fees and Non-BMO ATM Transaction fees will be waived. ATM surcharge fees charged by the ATM owner or operator will still apply.
• Overdraft fees will be waived.
• For personal accounts only: The bank will continue to use its discretion to pay items that overdraw the account when sufficient funds are not available (excludes BMO Smart Money Checking).
• For assistance with CD Early Withdrawal Penalties associated with a CD partial withdrawal or early CD closure, customers should visit their local branch or call the bank at 888-340-2265.
• Existing business loan, line, or credit card customers who need assistance should call 866-618-8686.
• Assistance will be offered starting on October 1, 2025, and will end two weeks after the shutdown is over. (SOURCE)

• Encouraging customers who have been impacted by the federal government shutdown to contact them if they are in need of assistance. (SOURCE)

• Encouraging customers who have been impacted by the federal government shutdown to contact them if they are concerned about making their Chase mortgage, credit card, auto or business loan payment, or if they have questions about their Chase checking or savings account, to discuss assistance options. (SOURCE)

• Encouraging customers who have been impacted by the federal government shutdown to contact them if they are in need of assistance. (SOURCE)

CITIZENS BANK

• Encouraging customers affected by the government shutdown to reach out to the bank to discuss flexible payment options such as adjusting the customer's payment due date and/or setting up a hardship plan. (SOURCE)

CITY NATIONAL BANK

• Is offering the following help for employees of the federal government who has been furloughed due to the government shutdown:
  
  • Loan Payment Deferment
    
    • If you have a loan with City and would like to request a payment deferral, call us at 1-800-598-2489 to discuss your options.
  • Furlough Relief Loan*
    
    • Borrow up to $5,000 at an Annual Percentage Rate of just 4.99%
    • No fees
    • No payment for the first 120 days
    • 24-month repayment period
  • To determine eligibly, customers will need to provide a federal employee ID or other proof of federal employment, such as a pay stub, when applying.

*Limited time offer. Subject to normal credit approval. The interest rate is accurate as of 10/6/25. (SOURCE)

• As the federal government shutdown continues, there are several ways the bank is assisting federal employees whose pay is interrupted: (SOURCE)
• For eligible government employees who notify the bank of a pay delay, it will waive the following account fees, if applicable, until pay resumes:
• Overdraft Fees
• Monthly account service charge
• Late payment fees on existing loans
• In addition, for customers affected who have payroll direct deposit into a Civista Bank checking or savings account, the bank is offering a 0% APR Pay Assistance Loan Program, including:
• No credit check is required
• No fees or interest charges associated with this loan
• Loan amount is equal to the amount of customer’s most recent direct deposit of pay into a Civista Bank account
• Loan funds will be deposited into customer’s Civista account the same day
• Loan amount may be increased if additional pay periods are delayed. Customers can contact us for additional requests. Loan program maximum is $25,000.
• Loan repayment: Once customer’s back pay is directly deposited, the amount credited to their Civista Bank account will be automatically deducted.

FCNB BANK

• The FCNB Cares: Government Shutdown Assistance Program supports federal employees affected by the government shutdown, offering temporary relief to help bridge the gap. (SOURCE)
• The program offers three types of assistance for those with proof of eligibility*:
• Loan Assistance –
• FCNB Bank is offering 0% APR loans up to $5,000 for 90 days to those that qualify. The loan is to be repaid when the government shutdown ends and backpay is awarded.
• Low/minimal underwriting criteria required:
• 620 minimum credit score
• Direct deposit into FCNB account required to be verified or set up at origination
• 90-day term, single pay, unsecured note
• $0 loan origination fee
• Overdraft Forgiveness –
• FCNB Bank is offering Overdraft Forgiveness on deposit accounts for 90 days to those who qualify. Normal overdraft limits apply based on the type of checking account. Must be requested prior to utilizing the Overdraft Assurance program. Direct deposit must be credited to a FCNB account.
• Penalty Free CD Withdrawals –
• FCNB Bank is offering early CD withdrawals without penalties for 90 days to those that qualify. This offer may be extended to family members that are providing support to federal employees affected.

• Proof of eligibility is required. The bank will accept a Standard Form 50 (SF-50), Federal Agency ID Card, Appointment Affidavit, Notification of Personnel Action, Form I-9, etc.

Available for federal employees within the bank’s assessment areas as designated in our Community Reinvestment Act Policy.

• Encouraging customers who have been impacted by the federal government shutdown to contact them to discuss their circumstances and determine which solutions best fit their circumstances.
• Offering several potential options for customers with loan payment hardship concerns, depending on which type of loans they have, including:
• The interest rate may be lowered.
• The term of the loan may be extended.
• Your monthly payments may be deferred.
• Checking and other accounts: possible relief related to overdraft or other fees resulting from the shutdown. (SOURCE)

FIRSTBANK

• Encouraging customers affected by the government shutdown to contact them to discuss options. (SOURCE) 

FIRST COMMAND

• Clients who are employed by an impacted federal agency and have their government pay on direct deposit with First Command Bank for at least 60 days preceding the shutdown are eligible for shutdown offerings. (SOURCE)
• Qualifying clients can receive pay advances that equal their normal monthly deposit for a maximum of six months. No fees or interest.
• Other relief offerings include loan assistance, penalty-free early CD withdrawals, secured lines of credit, credit card accounts and tailored financial coaching through First Command financial advisors.

FIRST FINANCIAL BANK

• Offering assistance, such as payment deferrals, short term bridge loans, and NSF charge refunds to customers directly impacted by the shutdown.  (SOURCE)

FIRST INTERSTATE BANK

• Encouraging customers affected by the government shutdown to contact them as soon as possible to discuss potential financial flexibility options. (SOURCE)

FIRST UNITED BANK & TRUST

• Encouraging customers affected by the government shutdown to contact them to discuss options. (SOURCE)

• Encouraging federal employees and others in need to reach out to the bank as soon as possible to discuss their personal situation and see what help may be available, including potential fee waivers, payment deadline extensions, or other accommodations that help them manage through this period. (SOURCE)

GATE CITY BANK

• To support federal employees impacted by the shutdown, Gate City Bank is offering loan assistance options designed to help with essential expenses during this temporary loss of income, including:
  
  • Loan payment assistance
  • The BetterLife™ Relief Loan, featuring
  • Six-month term
  • No fees or interest
  • Up to $5,000 per person
  • Single-pay loan (no payments until the final due date)
• Federally employed customers who are experiencing financial hardship due to the government shutdown are encouraged to contact Gate City Bank.

GREENFIELD COOPERATIVE BANK

• Encouraging those impacted by the federal government shutdown to contact the bank to discuss potential personalized solutions. (SOURCE)

HANCOCK WHITNEY BANK

• Hancock Whitney clients that have been furloughed due to the October 1, 2025 government shutdown may be eligible for a loan to help cover essential expenses. Loan amount can be up to, but not exceed, $6,000.
• The bank is encouraging customers to contact their local financial center or the Hancock Whitney Contact Center to learn more 1-800-448-8812. (SOURCE)

HONESDALE NATIONAL BANK

• Offering a Federal Government Shutdown Relief Loan to federal employees who are existing customers to help bridge the gap while they experience a loss of income during this difficult time
• Customers who are affected can receive up to $8,000 to help cover essential expenses like rent, utilities, and other financial obligations while the government is shut down.*
• Loan usage is limited to financial hardship caused by the government shutdown. Proof of Federal Government employment and suspension of pay required. Loan applications must be submitted prior to public announcement of government reinstatement. 90-day, interest-free term. After 90 days, unpaid balances convert to a 48-month fixed-rate loan at 10.05% APR. Example payment on an $8,000 loan: $203.09. Subject to credit approval. Additional terms apply. (SOURCE)

IOWA STATE BANK

• Encouraging customers affected by the government shutdown to reach out to their local branch to discuss potential personalized solutions.  (SOURCE)

JONESTOWN BANK & TRUST CO.

• Encouraging those affected by the federal government shutdown to contact them to discuss a range of client assistance options, which include the following depending on their individual circumstances: (SOURCE)
  
  • Loan extensions
  • Overdraft protection
  • Small dollar loans
  • Lines of credit
  • Credit cards
  • Fee waivers
  • Other helpful accommodations

• Providing support for affected customers throughout the shutdown, which started on October 1, 2025, and for 30 days after it ends, including: (SOURCE)
• Certain fees related to the customer’s deposit accounts may be eligible for a fee waiver
• Customer may be allowed to withdraw funds penalty-free from their certificate of deposit (CD)
• Loan modifications to provide more manageable payment terms
• Payment deadline extensions to give customers more time to meet their obligations

LUBBOCK NATIONAL BANK

• Lubbock National Bank, Branch of Amarillo National Bank, will defer loan payments for its customers who are not receiving their regular paychecks. The following applies to any federal government employees and/or defense contractors who have accounts, mortgages or consumer loans with Lubbock National Bank during the government shutdown:
  • Mortgages: LNB will offer forbearances on mortgage payments for up to six months or until the government shutdown ends—whichever comes first. Any credit reporting will be suspended and all late fees will be waived during this time.
  • Consumer Loans: All installment loan customers affected by the shutdown will be able to defer the next scheduled payment to the end of the note. If the shutdown continues, LNB will likely approve additional deferments.
  • Credit Cards: LNB will defer the next payment and waive the interest accrued to that payment date.
  • Short Term Low Interest Personal Loans: Customers are encouraged to contact their local branch for additional details. (SOURCE)

MONSON SAVINGS BANK

• Encouraging federal employees, government contractors, or those otherwise financially impacted by the federal government shutdown to contact the bank to discuss personalized solutions that address their hardships. (SOURCE)
• Will work closely with affected customers to minimize disruptions to government-funded lending programs, IRS Verification, and the National Flood Insurance Program to ensure a smooth process.

• Encouraging customers who have been affected by the federal government shutdown to contact them to discuss support they may be available to them, including: (SOURCE)
• One-time waiver of the "penalty for early withdrawal" from their M&T CD
• Evaluation of deposit account fee refunds
• Loan or credit card payment assistance
• As part of a variety of options to aid government employees who are affected by the government shutdown, the bank is offering a low rate unsecured personal loan featuring:
• 3.99% APR
• 12-month fixed term loan
• Loan amounts from $2,000 – $10,000

PNC BANK

• PNC is offering additional support for customers facing financial hardships because of the government shutdown, which may include waivers on certain fees, short-term lending options or a freeze in credit reporting.
• Impacted customers should contact PNC at 1-888-762-2265 (8 a.m. – 9 p.m. ET, Monday – Friday; 8 a.m. – 5 p.m. ET, Saturday-Sunday) to discuss their specific needs and how the bank can help.

REGIONS BANK

• The bank is helping impacted customers with a range of options that may include:
  • Qualified deposit account fee refunds, including overdraft fees;
  • One-time penalty-free withdrawal from their Regions CD;
  • Loan payment assistance;
  • Payment deferrals for current credit card holders; and
  • Special fixed rate on unsecured personal loan less than $5,000 with qualifying credit, with 60-day deferred first payment.
• Additional information about the bank's customer assistance programs and offers can be found on this new section of Regions.com dedicated to the government shutdown.

ROGER BANK (a division of Citizens Bank of Edmond)

• Offering a range of products and programs to help ROGER customers with an existing direct deposit from the federal government weather the storm, including:
  • Short-term loans up to $7,500.00 with 0% APR
  • Extended Overdraft Program with waived fees (SOURCE)

SANTANDER

• Offering several relief programs to support affected customers through any hardships:
  • "We recognize that this shutdown could cause disruptions for customers who are federal government employees, contractors, or subcontractors. To help, our businesses across the U.S. offer several relief programs to support customers through any hardships. Our customer-facing colleagues are being briefed on these options, so they can provide assistance as needed." - 10/1/25 note to Santander US employees from CEO Christiana Riley

SOUTHERN MICHIGAN BANK

• Offering case-by-case assistance to federal and state employees, contractors, vendors and those whose income may be disrupted by the shutdown. (SOURCE)

STOCKMAN BANK

• Implemented a plan to assist federal employees impacted by the government shutdown, including furloughed employees who are not working, essential employees who are currently working without pay and members of the military.
• Until the shutdown ends, Stockman is offering to defer loan payments that are due.
• Then, post shutdown, the bank will restructure debt for borrowers as necessary.
• Stockman will also work with commercial customers directly impacted by the shutdown on a case-by-case basis.
• The bank is encouraging customers impacted by the shutdown to contact their local branch for assistance. (SOURCE)

• Encouraging customers who are government employees and who are experiencing hardship due to the U.S. federal government shutdown to contact customer service if they are in need of assistance. (SOURCE)

TD BANK

• Activated the TD Cares program to help furloughed federal employees, federal contractors, and other TD clients whose federal benefits are impacted by the U.S Government shutdown. The program features: (SOURCE)
  • Eligible Fees refunded during the U.S. Government Shutdown - Impacted clients may request refunds on certain fees, such as Overdraft Fees, Non-TD ATM Fees, and Monthly Maintenance fees. And if impacted clients need access to the funds in their Certificate of Deposit (CD), the bank will waive the early withdrawal penalty on a CD.
  • Late fee refunds on most TD Bank, N.A. Visa credit cards - Impacted clients who receive late charges on a TD Bank Visa credit card can contact TD Credit Card Assistance by calling the phone number that appears on the back of the card to see what assistance is available.
  • Loan assistance - Impacted clients struggling to make a mortgage, home equity, personal or TD Auto Finance loan payment to TD Bank due to financial hardship caused by the government shutdown should call TD to learn more about opportunities for short-term relief.
  • Commercial and Small business loan assistance - Commercial and Small Business clients who experience a hardship resulting from the government shutdown may be eligible for fee refunds on their loan or line of credit. Clients should contact their relationship manager.

• The bank is urging customers affected by the federal government shutdown to contact them to discuss personalized solutions, whether it’s support for their business, cash access, or account management. (SOURCE)

UNION BANK AND TRUST

• Offering assistance with loans and deposit accounts, including hardship extensions and fee waivers. (SOURCE)
• Offering existing loan or deposit account customers who are impacted by the government shutdown a short-term unsecured Ready Loan for $1,000-$5,000. There is no origination fee and no payment due for 60 days. The customer must complete an application and qualify using the bank's standard credit qualifications.
• Checking Plus customers in good standing can request an increase of up to $1,000.

• The bank has undertaken a number of assistance efforts to aid federal government employees and others impacted by the shutdown.
• It encourages those in need to reach out to them to discuss their personal situation and see what resources are available, including potential fee waivers, payment deadline extensions, a federal government employee loan program, and other accommodations. (SOURCE)

USAA

• Members who are employed by an impacted federal agency and have received an eligible direct deposit into a USAA checking or savings account within 30 days prior to the beginning of the shutdown will be able to apply for a no-interest loan equal to the amount of one net paycheck, up to $6,000. (SOURCE)
• Members may also be eligible for a variety of payment relief offers across USAA banking and insurance products.
• USAA will proactively notify members when loan applications and financial assistance programs are made available, if and when a government shutdown becomes imminent. Once available, applications can be easily completed on the USAA app, USAA.com, and over the phone.

• Encouraging customers experiencing financial hardship due to the government shutdown to contact the bank to discuss personalized solutions. (SOURCE)

UTAH INDEPENDENT BANK

• Utah Independent Bank is offering the following relief and support programs to support customers impacted by the shutdown:
  
  • Payment Deferrals – Customers impacted by the shutdown, subject to eligibility criteria, regardless of occupation—can defer loan or credit payments for up to 90 days. The bank will make every effort to ensure no adverse credit reporting; customers should confirm eligibility and enrollment in any relief program.
  • Fee Waivers – The bank will waive late fees on consumer and small business loans and temporarily suspend overdraft fees for affected customers.
  • Skip-a-Payment Option – Customers with qualifying loans may skip one scheduled payment to help manage short-term cash flow challenges.
  • Personalized Financial Guidance – The bank offers free one-on-one consultations to help customers budget, manage debt, and navigate uncertainty. They are also offering community workshops focused on financial resilience.

• “Wells Fargo is here to support our customers who are impacted by this shutdown. Customers can use the Wells Fargo Mobile® app to get information in the Relief Center. When customers log into their online accounts, the notification and link is near the top of the screen. If they’d prefer, customers can call 1-800-219-9739 to discuss their financial needs. There are various options available to impacted customers for our deposit and lending products.” (SOURCE)

WESBANCO

• Offering customers impacted by the government shutdown its WesBanco Federal Relief Loan program, which provides financial support to bridge the gap, including:
  
  • A relief loan up to $5,000;
  • No payments up to 90 days; and
  • 18-month repayment period. (SOURCE)

• “We’re aware that some clients may be experiencing adverse impact from the federal government shutdown. We’re here to help. Business clients concerned about these impacts are encouraged to reach out to their relationship officer. Individuals with concerns about their personal finances are welcome to reach out to their local branch or banker to discuss accommodations.” (SOURCE)