{"id":35976,"date":"2021-03-16T18:11:03","date_gmt":"2021-03-16T22:11:03","guid":{"rendered":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/?p=35976"},"modified":"2021-03-16T18:51:55","modified_gmt":"2021-03-16T22:51:55","slug":"dealing-with-payroll-protection-plan-issues-occupying-time-and-effort-at-local-banks","status":"publish","type":"post","link":"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2021\/03\/dealing-with-payroll-protection-plan-issues-occupying-time-and-effort-at-local-banks\/","title":{"rendered":"Dealing With Payroll Protection Plan Issues Occupying Time And Effort At Local Banks"},"content":{"rendered":"
\"\"
Charles V. Wait Jr. is the president and CEO at Adirondack Trust Co.
\u00a92021 SaratogaPhotographer.com<\/figcaption><\/figure>\n

By Jill Nagy<\/p>\n

Area banks have been upgrading their online and digital services but the big push in 2020 appears to be administering Payroll Protection Plan (PPP) small business loans.<\/span><\/p>\n

\u201cIt was an all-hands-on-deck situation; we recruited everyone to help out,\u201d recalled Charles Wait Jr., president and CEO of Adirondack Trust Co. The bank processed $100 million worth of loans in the first round and he expects another $50 million during the second round. \u201cIt\u2019s been an interesting 12 months,\u201d he reflected. <\/span><\/p>\n

Similarly, Marc Monahan, Glens Falls and Saratoga regional executive for NBT Bank, welcomed the PPP program as a way to stay in connection with existing customers as well as a way to bring in new ones. <\/span><\/p>\n

\u201cThey need an account with us but they can open an account and apply for a loan on the same day,\u201d he said. NBT has a dedicated website for PPP loans and, according to Monahan, they processed more than 3,000 applications last spring.\u00a0<\/span><\/p>\n

\u201cThe past year has altered how we communicate with our customers,\u201d Monahan said. <\/span><\/p>\n

NBT has enhanced its mobile banking services, including mobile deposit (deposit checks using the camera on your smart phone), online payment services, and online bill paying. The drive-throughs are open and customers can visit the bank lobbies by appointment. However, he finds that customers increasingly prefer using electronic services. <\/span><\/p>\n

\u201cWe continually look to add and improve services,\u201d he said, but, for now, he is \u201cvery satisfied.\u201d<\/span><\/p>\n

At Adirondack Trust, Wait expects to announce new enhancements to their mobile banking services toward the end of the year. <\/span><\/p>\n

The bank is about to open a new branch in Glens Falls that will add drive-through services in Glens Falls. <\/span><\/p>\n

The bank\u2019s other big project in 2020 was sale of a Monopoly-type board game that used\u00a0 <\/span>Saratoga Springs landmarks instead of the standard Monopoly locations. The game is manufactured by Hasbro. Proceeds from the sales, at $49 a game, went to the Adirondack Trust Co. Community Fund to help fund area nonprofits. The bank sold 5,000 games in five months, according to Wait. All in all, the community fund raised $80,000 for organizations in the Saratoga and Glens Falls areas during 2020.<\/span><\/p>\n

Adirondack Trust continues to offer conventional banking services. <\/span><\/p>\n

\u201cDigital is the wave of the future,\u201c Wait said, \u201cBut we want to accommodate as many people as possible.\u201d\u00a0 <\/span>The growing preference for digital services may, in part, reflect the current pandemic restrictions. \u201cIt\u2019s going to be interesting to see what happens this summer.\u201d<\/span><\/p>\n

For the PPP loans, customers apply through an online portal, Monahan explained, and they receive the necessary documents electronically. Bank officers can assist applicants by explaining what documentation is needed, and provide guidance on how to approach the process, he said.<\/span><\/p>\n

Then, the bank verifies the paperwork and submits it to the Small Business Administration. If the loan is approved, the money goes directly into the applicant\u2019s bank account. \u201cWe try to minimize personal contact,\u201d he said.<\/span><\/p>\n

Both banks are now assisting last year\u2019s successful applicants as they apply for forgiveness of their loans, if appropriate. The SBA is revising the forgiveness application and some of the requirements are a moving target, but Monahan expects a final application form in mid-March.\u00a0<\/span><\/p>\n

Demand for new loans remains strong, although not as great as last spring, Monahan said. Wait agreed. <\/span><\/p>\n

Even after the PPP program ends, \u201cWe will still see a need for small business relief,\u201d Monahan said.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

By Jill Nagy Area banks have been upgrading their online and digital services but the big push in 2020 appears to be administering Payroll Protection Plan (PPP) small business loans. \u201cIt was an all-hands-on-deck situation; we recruited everyone to help out,\u201d recalled Charles Wait Jr., president and CEO of Adirondack Trust Co. The bank processed […]<\/p>\n","protected":false},"author":89,"featured_media":35977,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-35976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-asset-managment"],"yoast_head":"\r\nDealing With Payroll Protection Plan Issues Occupying Time And Effort At Local Banks - Saratoga Business Journal<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.saratoga.com\/saratogabusinessjournal\/2021\/03\/dealing-with-payroll-protection-plan-issues-occupying-time-and-effort-at-local-banks\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Dealing With Payroll Protection Plan Issues Occupying Time And Effort At Local Banks - Saratoga Business Journal\" \/>\r\n<meta property=\"og:description\" content=\"By Jill Nagy Area banks have been upgrading their online and digital services but the big push in 2020 appears to be administering Payroll Protection Plan (PPP) small business loans. \u201cIt was an all-hands-on-deck situation; we recruited everyone to help out,\u201d recalled Charles Wait Jr., president and CEO of Adirondack Trust Co. 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