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Government Shutdown Assistance Program



In keeping with our commitment to life-long relationships with our customers, Civista is here to assist customers in times of financial hardship. As the federal government shutdown continues, there are several ways we are assisting federal employees whose pay is interrupted.

We are Here to Help

For eligible government employees who notify us of a pay delay, Civista Bank will waive the following account fees, if applicable, until pay resumes.
  • Overdraft Fees
  • Monthly account service charge
  • Late payment fees on existing loans
 
Impacted government employees also may benefit from a loan modification during this time. Customers are encouraged to visit their local branch or call us at 800.604.9368 to discuss their particular situation.


Pay Assistance Loan Program

In addition, for customers affected who have payroll direct deposit into a Civista Bank checking or savings account, we are offering a 0% APR* Pay Assistance Loan Program.
 

Program Features

  • No credit check is required
  • No fees or interest charges associated with this loan
  • Loan amount is equal to the amount of your most recent direct deposit of pay into a Civista Bank account
  • Loan funds will be deposited into your Civista account the same day
  • Loan amount may be increased if additional pay periods are delayed. Contact us for additional requests. Loan program maximum is $25,000.
 

Loan Repayment

Once your back pay is directly deposited, the amount credited to your Civista Bank account will be automatically deducted.
 

To Get Started

If your pay is impacted, bring us your Government Employee ID and Furlough Letter.
 
 
 
 
 

FAQs

Yes. Your deposits are insured up to the applicable limit by FDIC insurance, which is not affected by a shutdown. No depositor has ever lost a penny of insured funds.
Absolutely. Our branches, ATMs, and online banking services remain fully operational throughout the shutdown.
Contact us right away. We may be able to help with fee waivers, payment extensions, or other accommodations until normal operations resume.
Yes, though loans requiring federal agency approvals (IRS, SBA, FHA, USDA) may take longer. We will keep you updated and work with you to minimize delays.
Loans can still close, but NFIP claim payments could be delayed if the program lapses. Private flood insurance may also be an option.
Most Social Security and other mandatory federal benefit payments are expected to continue during the shutdown.




























*Annual Percentage Rate (APR). Loans will be available and disbursed only if, in connection with the government shutdown, the government does not pay customers. Program subject to change. 

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