WE ARE HERE FOR YOU

In these unprecedented times, you can continue to count on the Bank of Stockton.  We’ve survived recessions, depressions, economic downturns and uncertainties throughout our 153 year history, and will weather this storm together.  We’re here to help our customers.  Continue to check this page of communication from us, as we will continually share news and new products that may help you during this difficult time. 

Payroll Protection Program Round Two Begins

Bank of Stockton is proud to participate in this second round of the PPP. We are honored to help our business clients and our community, as we continue to weather these most difficult economic circumstances together.

We invite our Customers applying for Round Two, our Customers applying for the First Time, New Customers applying for the First Time and New Customers with a Prior PPP at another bank applying for Round Two. Information and instructions are provided for each loan scenario below. Be sure to read our HELPFUL HINTS below so you can easily navigate the online application process. Please be advised, if you have your CPA or any other agent assist you with your PPP loan in any way, you are responsible for the payment of all fees assessed either directly or indirectly. The Bank of Stockton will not pay any third party fees associated with a PPP loan.

PPP ONLINE APPLICATION HELPFUL HINTS

Here are some helpful tips to navigate through the PPP Sageworks software:

• When you receive your invitation email to register, you must register and begin the process within 48 hours of receiving the email or the registration link will expire. If your link has expired, we will send another invitation to you.
• When in the application, YOU MUST DISABLE POP UP BLOCKERS. The software has pop-up windows that you will need in order to proceed through the application process.
• Once you are in the application, if you are not ready to submit the application for processing, please enter a dollar amount for your PPP loan, regardless of if it is your final loan amount need. As you move through the application steps, you can save your application and come back to it to finish it. The online application software needs the “loan amount” populated before you save the application. You can change the loan amount prior to submitting the final application.
• You must have a physical address on the application, not a P.O. Box. 
• You must show a 25% decrease in Gross Receipts on a 2020 quarter to 2019 quarter OR year-end 2020 to year-end 2019 comparison to qualify for the Second Draw.  Your Gross Receipts for this calculation must be substantiated by your documentation.
• Evidence of average monthly payroll must be included to substantiate the loan request to the SBA.  Be sure to thoroughly read the SBA instructions on documentation for your type of business.  The application will ask you to upload the SBA required documents.  
• Include DE 9’s or a payroll report to substantiate Average Monthly Payroll expenses.  If you have employees that make more than $100,000, you must make the reduction to the max of $100,000 for each in calculating your Average Monthly Payroll.
• Pay attention to the Beneficial Owner Section of the online application.  Be certain that you enter at least one Beneficial Owner or a combination of Beneficial Owners totaling at least 20% ownership.  You are required to enter the % in the application.
• If you submit bank statements, you must circle the information on each statement that pertains to the application information.  Do not submit bank statements that have no notation on the statements regarding the information you are substantiating.  
• If you are working with a CPA, please be advised that any fees you assess with your CPA, either directly or indirectly, will be your responsibility.  The Bank of Stockton will not pay any third party fees associated with a PPP loan. If you want your CPA to have the ability to work with us, we will need a written authorization from you indicating authorization for your CPA to work with us on your behalf.  Email us at newppploans@bankofstockton.com and in the subject line, enter "CPA AUTHORIZATION FOR (Business Name)."

For Our Customers Applying for ROUND TWO:

For our business customers that participated in Round One of the PPP through us, hold tight. Soon, you will be receiving an email from us that outlines next steps for those of you who intend to apply for Round Two of the SBA PPP funding. Our process will again be automated and as seamless as possible. Visit our PPP Resource Page* for information and Video Tutorials on the application process and check with your CPA to be sure your business meets the SBA Round Two criteria. *Works best with Google Chrome or Microsoft Edge browsers

For Our Customers Applying for THE FIRST TIME:

If you wish to apply, email newppploans@bankofstockton.com and indicate “First round CUSTOMER request” in the subject line of the email. Within your email, indicate your name, business name, email address, city, state and best phone number to reach you. Visit our PPP Resource Page* for information and Video Tutorials on the application process and check with your CPA to be sure your business meets the SBA criteria. We will be in contact with you upon receipt of your email. *Works best with Google Chrome or Microsoft Edge browsers

For New Customers Applying with Bank of Stockton for THE FIRST TIME:

If you wish to apply, email newppploans@bankofstockton.com and indicate “First round NEW CUSTOMER request” in the subject line of the email. Within your email, indicate your name, business name, email address, city, state and best phone number to reach you. Visit our PPP Resource Page* for information and Video Tutorials on the application process and check with your CPA to be sure your business meets the SBA criteria. We will be in contact with you upon receipt of your email. *Works best with Google Chrome or Microsoft Edge browsers

For New Customers Applying with Bank of Stockton for THE FIRST TIME WITH A PRIOR PPP

If you wish to apply, email newppploans@bankofstockton.com and indicate “New to Bank of Stockton with PRIOR PPP LOAN AT ANOTHER BANK” in the subject line of the email. Within your email, indicate your name, business name, email address, city, state and best phone number to reach you. Visit our PPP Resource Page* for information and Video Tutorials on the application process and check with your CPA to be sure your business meets the SBA Round Two criteria. If you do not have a deposit account with the Bank of Stockton, you will need to establish one OR prior to receiving your PPP funds, you will need to go through our Customer Information Process at New Accounts. *Works best with Google Chrome or Microsoft Edge browsers

New Lodi Office Now Open

We are proud to announce the opening of our second Lodi location on 1102 West Kettleman Lane in Lodi, bringing added convenience to our Lodi customers. 

Our Lobbies are OPEN!

We have returned to normal banking hours for our lobby, drive up and walk up.
Lobby Monday-Thursday 9-5 and Friday 9-6. 
Drive Up and Walk Up Monday-Thursday 8:30-5 and Friday 8:30-6.

Mortgage Assistance Program

If you are experiencing a hardship, such as job loss, income reduction, or sickness due to COVID-19 and you are no longer able to make your mortgage payment, please complete our MORTGAGE LOAN ASSISTANCE APPLICATION which can be faxed to 209-929-1223, or dropped off at one of our branches, or mailed to us at Bank of Stockton, Mortgage Loan Assistance, C/O Special Assets Department, P.O. Box 1110, Stockton, CA  95201. If you need help completing this application, please contact us at 1-877-929-1702.  Once we receive your application, we will contact you within 5 business days to acknowledge receipt and let you know if you need to send us additional documents.

Auto Loan or Consumer Loan Deferment Assistance  

Call 209-929-1226

Personal Loan Needs

If you need a personal loan to help you get through this difficult time, and are a deposit customer of our bank, we will help you.  Call your Branch (numbers listed below).

Reach your Bank of Stockton Branch 

Reach our Customer Service Center 7am-7pm M-F

Call 209-929-1600 and they will direct you. 

Remote ways to bank

We have a number of ways to transact banking remote:  Mobile Banking App with remote deposit and transfer features; Online Banking with transfer features and Zelle® where you can make person-to-person payments; Access 24, our telephone banking line, where you can check balances and transfer funds 24 hours a day by calling 800-399-2265 or 209-929-1200; and Cash Management Services with remote deposit for businesses. 

Beware of COVID-19 Scams

Use extra diligence to keep your personal information safe.  NEVER provide your account numbers or personal information to anyone.  Click Here to see the latest tips from the American Bankers Association and the California Department of Business Oversight on COVID-19 scams