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Home Resources Articles What the Federal Government Shutdown Means for You

What the Federal Government Shutdown Means for You

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What the Federal Government Shutdown Means for You

October 2, 2025   /   John Minehart

As of October 1, 2025, the federal government has entered a shutdown. While the situation may feel uncertain, we want to assure you that our bank remains fully open and operating as usual. Your deposits are safe and your accounts remain accessible.  Although the government shutdown is beyond our control, we are here to help you navigate any challenges this may face.  

What Customers Should Know 

  • Your accounts are safe. A shutdown does not affect our operations or your FDIC-insured deposits. 
  • Government payments may be delayed. This may include paychecks for federal employees, government contractor payments, and certain benefits programs.  
  • Federal lending programs are paused. Agencies such as the SBA, FHA, and USDA cannot process new loans until funding resumes. If you have any questions, please contact your Banker.  
  • Verification services may be limited. Items like IRS tax transcripts may be unavailable, which could delay some lending decisions. Your Banker is always available to help you through these delays. 
  • Fraud alert: Shutdowns often create opportunities for fraudsters. Be cautious of suspicious calls, emails, or texts claiming to be from the government or your bank and always verify through official channels. 

What This Means for SBA and USDA Customers 

  • New loan applications cannot be approved until the government reopens. I know this can be discouraging. Although this is out of our control, your Bankers are available to help support you during this time.  
  • Approved loans with authorization numbers may still close and fund; please reach out to your Banker for more information or guidance.   
  • Regardless of where you are in the application process, we encourage you to continue gathering documentation so your paperwork is ready to move forward once systems are back online.  

What This Means for Government Contractors 

  • Contract approvals, modifications, and payments may be delayed. 
  • Contracting officers may be unavailable, which can slow down projects. 
  • Contractors should document costs tied to the shutdown and ensure they receive written instructions before pausing or changing work. 
  • Cash flow planning and fraud vigilance are critical during this period, feel free to reach out to your Government Contractor Banker for guidance.  

How We Can Help 
If you are impacted, please contact us right away. We may be able to provide support through options like fee waivers, adjusted payment schedules, or other accommodations. The sooner we understand your situation, the sooner we can help. We are committed to standing with our customers during times of uncertainty, just as we did during the pandemic and other national challenges. 

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