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Paycheck Protection Program (PPP) SBA Loans

Thank you for reaching out to First Bank.   

Below is a list of items that we will need in order to submit your application.  Also included below is the application form, Cares Act Calculation sheet, 4506T form and the Borrowers Identification Documentation needed if you are not an existing customer of First Bank.

Paycheck Protection Program (PPP) – SBA LOANS

Items we will need:

1.      Application Form:

2.      Tax Return 2018 or 2019

3.      2019 Payroll Information

o    Payroll Documentation: For purposes of calculating “Average Monthly Payroll”, most Applicants will use the average monthly payroll for 2019, excluding costs over $100,000 on an annualized basis for each employee. For seasonal businesses, the Applicant may elect to instead use average monthly payroll for the time period between February 15, 2019 and June 30, 2019, excluding costs over $100,000 on an annualized basis for each employee. For new businesses, average monthly payroll may be calculated using the time period from January 1, 2020 to February 29, 2020, excluding costs over $100,000 on an annualized basis for each employee.

o    ARES Act Calculation sheet:  this form may be used as a tool to help you complete the maximum loan amount.

4.      Listing of employees and salaries on or around February 15, 2020

5.      4506-T form

6.      Borrower Identification Documentation:  Applicants who are NOT current First Bank customers.

Application Form

CARES Act Calculation Spreadsheet

4506T Form

Borrower’s Identification Documentation

*Note:  Excludes any compensation of an employee whose principal residence is outside the United States.  Federal employment taxes imposed or withheld between February 15, 2020 and June 30, 2020.

Thank you for banking with First Bank! Please contact us if you have questions or need assistance.

UPDATE - March 30, 2020

First Bank Customers,

As you know, Governor Kelly issued an Executive Order, making Kansas the 22nd state in the nation to institute a temporary, statewide stay-home order as part of the response efforts for COVID-19. This order took effect at 12:01 a.m. today, Monday, March 30 and this measure will be in place at least until Sunday, April 19.

Under this new directive, banking is listed as an essential service. First Bank will continue to operate as we have since March 18th; our lobbies will be closed to the public until further notice. Customers are welcome inside only by limited appointment. Rest assured, we are committed to meeting all of your financial needs and providing for our communities at this time. 

During these uncertain times, we are still here for you. We are able to provide uninterrupted access to you through our drive-thru’s and ATM’s, limited in-person appointments and our online and mobile services. Visit for continued updates, or follow our First Bank Facebook page

These are unprecedented times, and our hearts go out to those individuals and businesses that are being affected by these events. We have a deep appreciation for those helping to keep us safe and we will be here to support our communities during this time. The healthcare workers and community leaders, as well as other essential personnel, are our friends and neighbors and we are beyond thankful for the work they are doing to contain this coronavirus. 

Again, please reach out to us if you have questions or concerns. We are all in this together. 

“How wonderful it is that nobody need wait a single moment before starting to improve the world.”– Anne Frank

Thank you for choosing First Bank,

Jeff Laudermilk

President, First Bank


To help our users with any questions you might have, we have put together the following Frequently Asked Questions. If your question is not covered below, please contact us and a representative from our team will gladly assist you.

Banking FAQ

Q What happens if my Debit/ATM card is lost or stolen?

Call the bank immediately and we will close the card. If the bank is closed, leave a message, and also call the phone number on the back of the card immediately. Your card will be closed. Review the transactions to see if it was used by any one. We will issue you a new card. With “Card @ Once”, we have instant issue cards, so you will not have to wait for a new card. Call our customer service department at 1-888-906-3125 for details.

Q How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. First Bank also offers a bank-by-mail service which allows you to mail non-recurring deposits. Contact us for details on a method that’s best for you. We also offer First Mobile Deposit through our First Mobile banking. (Some fees and restrictions apply.)

Q Are wire transfers possible to and from my First Bank checking account?

Yes! Funds can be transferred to and from First Bank accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Call our customer service department at 1-888-906-3125 for details.

Q How frequently is my First Bank information updated?

First Bank updates all customer information nightly. Whether you access our Online Banking site or visit our customer service department, your account information is updated every day to reflect all account activity.

Q Can I do all of my banking with First Bank?

Yes! Thanks to the convenience of Direct Deposit, ATMs, First Mobile, and First Mobile App, everyday banking activities can be performed from the comfort of home. Contact us with questions about your banking needs.

Q Is interest paid on First Bank checking accounts?

Yes! If you want a checking account that pays a market rate of interest, check out our Checking Account Options .

Q Can businesses have accounts at First Bank?

Yes! Visit our Business Banking page.

Q Do you have mobile banking?

Yes! You can set-up Mobile Banking on your smart phone, your iPad or Tablet using the First Mobile app. Search for the app under First Bank Sterling Ks. You will need to already have enrolled in online banking and have your username and password for the app. Online, you can set up alerts to come to you phone for balances, or certain parameters for deposits or checks. Our app allows you to check your balances on all of your accounts, transfer funds, or pay bills. We also have First Mobile Deposit which allows you to make a deposit of a check by taking a picture of that check through your app. (Some fees and restrictions apply.)

Q Can I get information about my account by phone?

Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices.

Q How do I set up Direct Deposit of my payroll check?

After your First Bank checking application has been approved, you will receive First Bank’s routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q Are First Bank deposit accounts FDIC insured?

Yes! Each individual customer at First Bank is insured by the FDIC up to $250,000.

Security FAQ

Q I’d like to know more about the security methods you have implemented. Where can I read more?

For a more detailed description of the security features in our Online Banking System, please see our Online Banking System Security Overview.

Q What about information that is stored? Is it encrypted as well?

Information stored on our system is also encrypted using at least 128 bits.

Q I keep hearing a lot about encryption? What exactly is it, and why does it make everything more secure?

Encryption is basically a way to rewrite something in a code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.

Q What about filling applications out online? How secure is that?

Filling out applications online is as secure as the Online Banking System. Your entire session, from beginning to end, is encrypted. Our system supports 128-bit encryption, so you can also use the latest browser from Netscape or Microsoft that supports this security level. In fact, the highest encryption Netscape and Microsoft browsers support is 128-bit, so you will be using the highest bit encryption currently available if you use a 128-bit encryption capable browser.

Q I’m still hesitant about banking online. Can other people see my account information?

Your account information is just as secure as it is at your physical brick and mortar bank. We’ve taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.

Online Banking FAQ

Q Do you offer electronic statements for my accounts?

Yes! We offer E-statements, just another service for your convenience. It’s a safe and secure way to receive your statements!!! And you can download them to your computer or print them off in the privacy of your own home. Just sign up under the e-statements tab within your online banking account.

Q Can I look at all of my transactions at any time?

Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week! With First Mobile, you can check balances, transfer funds, make deposits and pay bills whenever and wherever you are.

Q How frequently is my First Bank information updated?

First Bank updates all customer information nightly. Whether you access Online Banking, or contact us directly, your account information is updated nightly to reflect all account activity.

Q How do I access Online Banking?

A Go to and click on “Sign Up”. Fill out the application completely and click submit. You will receive a welcome email with instructions. Once you have completed the steps that are outlined, you are ready to start using our online banking ( On the application you may sign up for Bill Payment or you may do that after you log into your account. You may also take advantage of Text Banking and E-Statements.

Mobile Banking FAQ

Q What if I lose my phone?

If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your First Bank Online username and password. However, to be safe, you should contact First Bank as soon as possible at 1-888-906-3125.

Q Is there a fee for Mobile Banking?

There is no fee for the use of the First Mobile App. There are fees and restrictions if you use the First Mobile Deposit. Call our customer service department at 1-888-906-3125 for details.

Q Is Mobile Banking secure?

First Bank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. Our Mobile App is just as secure as our First Bank Online Banking service. Anything you do while logged on to the App is encrypted by industry-standard SSL encryption, preventing cell phone “scanning” or other attempts to eaves-drop.

Q What is Mobile Banking?

Mobile banking allows you to access your accounts with your mobile device (smart phone, iPad or tablet) anytime, anywhere. Our Mobile App is available by searching for “First Bank Sterling Ks”. With First Mobile, you can check balances, transfer bunds, make deposits and pay bills. This is a convenient, safe technology to meet your banking needs.