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

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.

For Our Customers Applying for ROUND TWO:

If you wish to apply, email newppploans@bankofstockton.com and indicate “Existing 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 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    

PPP ONLINE APPLICATION HELPFUL HINTS

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

• 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. *Works best with Google Chrome or Microsoft Edge browsers

• 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 income on a 2019 quarter to 2020 quarter OR year-end 2019 to year-end 2020 comparison to qualify for Phase II monies.  Your gross income for this calculation must be substantiated by your documentation.

• Your PPP loan request cannot be more than your proof of income. 

• 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 for payroll taxes.  If you have employees that make more than $100,000, you must make the reduction to the max of $100,000 for each in your payroll documentation request.

• Pay attention to the Beneficial Owner Section of the online application.  Be certain that you enter at least one Beneficial Owner with 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).”

We are OPEN with normal banking hours!

Lobby Hours:
Monday-Thursday 9:00 am -5:00 pm and Friday 9:00 am -6:00 pm 

Branches with Drive-Up:
Monday-Thursday 8:30 am - 5:00 pm & Friday 8:30 am - 6:00 pm 

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