Frontline Workers




Drive-up Banking: Our drive up window is open M-Th 8:30AM – 4:30PM, F 8:30AM-6:00PM, and Sat. 8:30AM-12:00PM.  Feel free to stop by for loan, deposit, or other financial needs.  Call us with additional questions.

Online Banking: Continue to bank online as you always have — and remember to check our website for how to contact us regarding special programs and financial advice and assistance.

Phone Banking: Your debit and credit cards always include a phone number for customer service centers, and you can always call us directly, too. A representative will help answer your questions or direct your call to someone who can. You may experience longer waiting times than usual due to higher call volumes.

Mobile Banking: Many transactions can be completed on mobile banking apps, from monitoring your accounts, to depositing checks, or to sending money to other people. If you have not installed the app for the Bank of Gibson City, search the Apple and Google app stores or our website for additional details.  Feel free to call with questions.

ATM Banking: We are taking extra steps keeping the ATM clean, safe and fully operational for conducting everyday banking transactions.


For personal loan and mortgage customers, Bank of Gibson City is offering several payment deferral options for qualifying customers with loans, including but not limited to, personal, auto, and more.  There will not be a credit bureau impact for granted deferrals.  A variety of options are available for qualifying Bank of Gibson City mortgage customers.  These options include payment relief for up to 12 months and waiver of late fees.  In addition, to help keep individuals in their homes, Bank of Gibson City is halting foreclosures sales and evictions of borrowers until at least June 1, 2020.

To request mortgage or personal loan relief, please contact the Bank of Gibson City by phone at (217)-784-4233.  Please call anytime beginning April 1, 2020 and we will direct you to the next steps and explain all the options available to you.  We are available during the hours listed above Monday-Saturday weekly.

For commercial clients and small businesses, the Bank of Gibson City is doing all it can to assist during this period of economic disruption.  Various six-month modification programs with opt-ins from the customer in 90-day intervals are available, including 90-day interest only and 90-day deferral of term loan payments.  SBA program options will also be offered as they become available.  Please see additional details listed below.

For more details about all the Bank of Gibson City is doing to work with customers during this new era please visit or call us at (217)-784-4233.

  1. Financial Assistance Programs for Small Business:

Paycheck Protection Program

This SBA program provides 8 weeks of cash flow assistance through 100% federally guaranteed loans to small employers who maintain their payroll during the crisis. The size of the loans would equal 250% of an employer’s average monthly payroll up to a maximum loan amount of $10 million. Covered payroll costs include salary, wages, and payment of cash tips, employee group health care benefits, including insurance premiums, retirement contributions and covered leave. More information is available here.

Economic Injury Disaster Loan Program (EIDL).

The SBA’s EIDL Program provides eligible small businesses with working capital loans of up to $2 million to help overcome the temporary loss of revenue. More information and applications can be accessed here.

Don’t hesitate to reach out with any questions.  Thank you for your business.


Bank of Gibson City Team


COVID-19 Awareness

Dear Valued Friends and Customers,

As you have seen previously, we are taking extra measures and precautions to maintain a safe environment for our staff and customers. I would like to now address a couple of topics that are likely on the top of your mind.

First, I would like to emphasize, we want to reassure you that we are maintaining all critical operations. You can be confident that you will have access to your funds. Starting this week, we have implemented a proper staff rotation in preparation for the ever-changing demands and contingencies within our branches. Additionally, our lenders and loan support staff continue to be here to assist with any questions, concerns or needs that you may have.

As a reminder it is now easier than ever to bank from the comfort of your home by accessing Online Banking, the Mobile App, Voice Access and Bill Pay, all available from your computer or mobile device. You can continue to check balances, transfer funds, and pay bills. You can find more information about signing up for these services on our website at

We will continue to review and monitor CDC updates and recommendations and make updates as necessary. We would like to encourage you to take measures to protect yourself and your loved ones. We are here to help address your needs and demands. If you have any questions please do not hesitate to contact us as we are here to assist you.

Together I am confident we will work through this as we have in the past. We appreciate your loyal business, patience and understanding during this ever-changing pandemic.


Tracy J. Epps

President & CEO