At Third Coast Bank SSB, the health and well-being of our customers, employees, and communities is our top priority.  We understand that your daily routine as well as handling your finances have changed due to these unprecedented times.  Banking is an essential service and we are here for you.  We are committed to keeping you updated on any changes as they emerge and sharing available resources with you.
 

Banking Center Updates

As we reopen our lobbies, the health and well-being of our customers, employees, and community is still our top priority.  To protect you and our employees we will only allow 5 customers in our lobby at a time.  We encourage you to wear a face mask and stand 6 feet away from other customers. Please continue to utilize our Drive-Thurs where available, ATMs, and online & mobile banking services.  We look forward to serving you!

Third Coast Bank CARES Program

Third Coast Bank has made the commitment to work on its backlog of PPP loan applications should additional funds be approved for this program.  Please note, we have removed the application from our website at this time. However, if you would like to speak to someone regarding PPP, please contact us.
 
 
PPP Loan Package Requirements  

For a complete package, please provide the following.

 
For a Corporation, LLC, Association, Partnership, Non-Profit;  
  1. SS-4 IRS Letter or W-9 Form for Tax ID
  2. Copies of your organizational documents specific to your entity.  Please review the Business Entity Documentation List.
  3. Certificate of Good Standing for your State; your business must be in good standing for your State. For Texas, you can visit SOSDirect
  4. Borrower Resolution indicating signers required.
  5. Eligibility AND Payroll Calculation; it is your responsibility to complete payroll calculation correctly.
  6. Payroll Documentation supporting payroll calculation.
  7. Copies of your authorized signer(s) identification (i.e. driver's license); you must provide a clear copy as unclear images will be rejected.
  8. Business Information Worksheet including beneficial ownership as applicable; fully complete the Business Information Worksheet.
  9. Addendum A: List of Affiliates of Borrower for SBA PPP Loan.
  10. SBA PPP Applicant Certification and Release Agreement Standard Release
  11. SBA PPP Additional Certification for Ownership Additional Certification.
  
For a Sole Proprietor or Contractor;
  1. SSN for Sole Proprietor or TIN for Business
  2. Copies of your organizational documents specific to your entity.  Please review the Business Entity Documentation List.
  3. Certificate of Good Standing for your State; your business must be in good standing for your State.  For Texas, you can visit SOSDirect
  4. Borrower Resolution indicating signers required.
  5. Eligibility AND Payroll Calculation; it is your responsibility to complete payroll calculation correctly.
  6. Payroll Documentation supporting payroll calculation.
  7. For sole proprietor: 2019 Schedule C; whether you filed a tax return or not.
  8. Copies of your authorized signer(s) identification (i.e. driver's license); you must provide a clear copy as unclear images will be rejected.
  9. Business Information Worksheet including beneficial ownership as applicable; fully complete the Business Information Worksheet.
  10. SBA PPP Applicant Certification and Release Agreement Standard Release
  11. SBA PPP Additional Certification for Ownership Additional Certification.


Please note this does not represent an approval or guarantee of funds through the PPP program.  The bank makes no representation or guarantee that your loan application will be processed, submitted to the SBA or accepted before available funds under the PPP are exhausted.  Borrowers are solely responsible for understanding and certifying in their application that they meet eligibility requirements for the PPP loan.

 
Small Business Paycheck Protection Program FAQs
 
SBA's FAQs
Please review the SBA's FAQs for more information. Updated as of 05/19/2020.

Fully Forgiven
Funds are provided in the form of loans that may be fully forgiven when used for appropriate expenses per SBA guidelines in regards to payroll costs, interest on mortgages, rent, and utilities (at least 75% of the forgiven amount must be used for payroll). 
 
Rules of Forgiveness
  1. Please check with your accountant and SBA for full details.
  2. Complete Loan Forgiveness Request no later than 70 days from the date of disbursement. 
  3. Provide your Lender with information to support your Loan Forgiveness Request.
  4. Conditional upon SBA verification and approval.
 
Must keep Employees on the Payroll or Rehire quickly
Forgiveness is based on the employer maintaining or quickly rehiring employees and maintaining salary levels.  Forgiveness will be reduced if full-time headcount declines, or salaries and wages decrease.

More Resources
Visit the SBA's website dedicated to PPP Loans.  SBA.gov                                      Visit the Treasury's website dedicated to PPP Loans. Treasury.gov

 
 
Information subject to change per SBA guidelines. Please email any questions to answerdesk@sba.gov

Banking Services 
Third Coast Bank Online & Mobile Banking:
If you haven't already, please enroll in Online Banking and download our Mobile 
App.1
 
 
Heritage Bank, a Division of Third Coast Bank Online & Mobile Banking:
If you haven't already, please enroll in Online Banking and download our Mobile
App.
 
 
You will be able to:
  • Update your personal information so we can stay in touch.
  • Access your bank accounts; view transactions and balances.
  • If you are enrolled in Mobile Deposit, you'll be able to deposit checks.2
  • Transfer funds between your accounts.
  • Pay bills using Bill Pay services.3
1. Mobile App is available for download.  Message and data rates may apply.
2. Must be enrolled for Mobile Deposit, consumers only.  Business customers may establish Mobile Remote Deposit Capture services mRDC.
3. Bill pay payees must be established in online banking before using in the Mobile App.
 
Third Coast Bank Drive-Thru Service:
Deposits and cash withdrawals may be made through our drive-thru locations in Beaumont, Mid County, and Plano.  See all of our Third Coast locations.
 
Heritage Bank, a Division of Third Coast Bank Drive-Thru Service:
Deposits and cash withdrawals may be made through our drive-thru locations in Pearland, Detroit, La Vernia, and Lake Jackson.  See all of our Heritage locations.
 
All ATM Service:
As always you may use any ATM nationwide for cash withdrawals, and we'll waive any fee and provide an immediate refund of other's fees.
Precautionary Measures
In effort to prevent the spread of the Coronavirus, we have enacted the following precautionary measures:
  • Advised employees to take preventative action to avoid exposure and maintain proper health standards
  • Monitor travel advisories; including quarantining employees who have traveled to countries with Level 3 or higher travel advisories by the U.S. State Department where there are pronounced COVID-19 outbreaks
  • Advised employees who exhibit flu-like symptoms to stay home
  • Provide continual informational updates to employees on COVID -19 developments
Resources
The U.S. State Department Travel Advisories:  Check your travel
 
The CDC (Centers for Disease Control and Prevention) Prevention: Steps to Prevent Illness
Other Small Business Resources

SBA EIDL Program

SBA’s direct economic disaster loans to help with the effect of COVID-19.  Please click on the link to apply.  SBA Disaster Loan
 

SBA’s Coronavirus (COVID-19) Disaster Relief  Direct Lending: 

SBA disaster assistance customer service center. Call 1-800-659-2955
(TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov
Beware of Scams
Cyber criminals have been quick to take advantage of the coronavirus outbreak.  Please do not let your guard down and fall for scams.  Here are a few that we are aware of:
  • Phishing Emails - criminals are exploiting the crisis by sending emails that appear to be from a legitimate medical and healthcare organization including the World Health Organization (WHO).
  • COVID-19 Maps - hackers are using COVID-19 outbreak maps to infect computers, cell phones, and tablets with malware.  This will lead to either unsuspecting victims opening the attachment which infects their device or prompting the victim to enter their login credentials.  
  • Non-delivery Scams - bad actors advertise as a company that sells medical supplies used to prevent or protect against the coronavirus. The criminals will demand payment or deposits in advance and then never deliver the products.
  • Charitable Causes Scams - another scheme uses social media to dupe victims into donating money to bogus charitable causes.
  • Checks from the government - there are reports that the government may soon be sending money by check or direct deposit to each of us.  The details are still be worked out; however, please know that the government will not ask you to pay anything up front to get this money; the government will not call to ask for your Social Security number or bank information; anyone who does is a scammer.
Please do not be fooled by the fraudsters into handing over your sensitive personal and/or banking information like username, password, or any other personally identifying information.
Let's all do our part
Coronavirus: How it spreads video - COVID-19 How it spreads
 
Coronavirus: What we're doing video - COVID-19 What we're doing
IRS - Consumer Economic Impact Payment (EIP)
The Internal Revenue Service launched online tools to enable consumers who have previously filed a tax return to check the status of their economic impact payment.
 
You can use the Get My Payment tool to see the date your payment is scheduled to be deposited in your bank account or mailed to you.
 
To learn more about this individual stimulus, please visit the IRS' website page dedicated to explaining this payment called the Economic Impact Payment Information Center.
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

We're here for you.

Please contact your banker directly or call our Service Centers if you need our help.
 
Third Coast Bank SSB Customer Service 1-833-844-7708
 
Heritage Bank, a Division of Third Coast Bank SSB Customer Service 855-485-0600