Skip to main content
site-logo
  • Personal
    Bank
    Personal Checking Personal Savings Debit Cards
    Borrow
    Home Loans Personal Credit Cards Auto Loans
    Manage
    Personal Online Banking Personal Mobile Banking Manage My Auto Loan
    Explore More Services
    Additional Services Overdraft Services Wealth Management
  • Business & Commercial
    Banking Services
    Digital Banking Checking Savings Solutions
    Treasury Management
    Payable Solutions Receivable Solutions Fraud Prevention Cash Management
    Commercial Lending
    Term Loans & Lines of Credit Multi-Family Lending Commercial Real Estate Owner Occupied Real Estate Equipment Financing Trade Services & Letters of Credit
    Small Business Lending
    Term Loans & Lines of Credit Owner Occupied Real Estate SBA Loans Meet Our Team
    Business Solutions
    Merchant Services Payroll Business Credit Cards PPP/CARES Act Workplace Benefit Plans
    Industry Expertise
    Auto Dealerships - Indirect Lending International Services Wine & Vineyards Title and Escrow Loan Payoff Demand Request Mortgage Loan Servicing
  • Wealth Management
    Learn About Us
    How We Work Our Team
    Banking Services
    Private Banking
    Explore Solutions
    Trust and Estate Services Investment Management Retirement Planning Employee Benefit Plans Specialty Asset Management
  • About Us
    Who We Are
    Why Bank With Us? History & Heritage Executives & Board Safety & Soundness Investor Relations News & Press
    Our Community Commitment
    Community Service CRA Public File Mechanics Bank Arena
    Careers
    Joining Mechanics Bank Current Career Opportunities Equal Employment Opportunity Notice to Recruiters
  • Resources
    Connecting With Us
    Contact Us Locations Social Media Channels
    Resources & Tools
    Help Center Financial Education
    Privacy & Security
    Know Fraud When You See It Protect Your Accounts Online Privacy Policy Privacy Policy California Privacy Notice
    Agreements & Disclosures
    Regulatory & Federal Resources
  • Personal
    Bank
    • Personal Checking
      • Order Checks
      • Compare Checking Accounts
      • How to Apply
    • Personal Savings
      • Money Markets & CDs
      • Retirement
      • Compare Savings Accounts
      • How to Apply
    • Debit Cards
      • Card Controls
    Borrow
    • Home Loans
      • Mortgage Calculator
      • Mortgage Documents Checklist
      • Mortgage Loan Representatives
      • Getting Help to Avoid Foreclosure
    • Personal Credit Cards
    • Auto Loans
      • Manage My Auto Loan
      • Auto Dealerships - Indirect Lending
    Manage
    • Personal Online Banking
    • Personal Mobile Banking
    • Manage My Auto Loan
    Explore More Services
    • Additional Services
    • Overdraft Services
    • Wealth Management
  • Business & Commercial
    Banking Services
    • Digital Banking
      • Business Online Banking
      • Business Mobile Banking
    • Checking
      • Compare Checking Accounts
      • Order Business Checks
    • Savings Solutions
    Treasury Management
    • Payable Solutions
    • Receivable Solutions
    • Fraud Prevention
    • Cash Management
    Commercial Lending
    • Term Loans & Lines of Credit
    • Multi-Family Lending
    • Commercial Real Estate
    • Owner Occupied Real Estate
    • Equipment Financing
    • Trade Services & Letters of Credit
    Small Business Lending
    • Term Loans & Lines of Credit
    • Owner Occupied Real Estate
    • SBA Loans
    • Meet Our Team
    Business Solutions
    • Merchant Services
    • Payroll
    • Business Credit Cards
    • PPP/CARES Act
    • Workplace Benefit Plans
    Industry Expertise
    • Auto Dealerships - Indirect Lending
    • International Services
    • Wine & Vineyards
    • Title and Escrow
    • Loan Payoff Demand Request
    • Mortgage Loan Servicing
  • Wealth Management
    Learn About Us
    • How We Work
    • Our Team
    Banking Services
    • Private Banking
    Explore Solutions
    • Trust and Estate Services
    • Investment Management
    • Retirement Planning
    • Employee Benefit Plans
    • Specialty Asset Management
  • About Us
    Who We Are
    • Why Bank With Us?
    • History & Heritage
    • Executives & Board
    • Safety & Soundness
    • Investor Relations
    • News & Press
    Our Community Commitment
    • Community Service
    • CRA Public File
    • Mechanics Bank Arena
    Careers
    • Joining Mechanics Bank
    • Current Career Opportunities
    • Equal Employment Opportunity
    • Notice to Recruiters
  • Resources
    Connecting With Us
    • Contact Us
    • Locations
    • Social Media Channels
    Resources & Tools
    • Help Center
    • Financial Education
    Privacy & Security
    • Know Fraud When You See It
    • Protect Your Accounts
    • Online Privacy Policy
    • Privacy Policy
    • California Privacy Notice
    Agreements & Disclosures
    • Regulatory & Federal Resources
  • Help
  • Contact Us
  • Locations
  • Sign In
Routing Number: 121102036
Mechanics Bank Logo
Sign In
  • Sign In


  • Forgot or need help with: User ID | Password

  • Register | Security
PPP Loan Forgiveness
Business & Commercial > Business Solutions > PPP/CARES Act > PPP Loan Forgiveness

Applying for Loan Forgiveness

Please do not fill out and submit paper versions of the PPP Loan Forgiveness Applications forms – we are only accepting electronic versions of the application form completed through our portal.

Forgiveness for Loans Made in 2020
Email invitations to begin the Loan Forgiveness Application process have been sent to all borrowers who received a PPP loan with us in 2020. Emails were sent to the email associated with your PPP loan record (please check your spam or junk folders for messages from PPPforgiveness@mechanicsbank.com).

If you did not receive an email to begin the Loan Forgiveness Application process, or if you believe the email we have on record is not accurate, or is no longer in service, please email us at  CaresAct@mechanicsbank.com with your contact name, business name, address and phone number and we will reach out to update our records.

Even if you have not applied for Loan Forgiveness yet, your loan payments are deferred until 10 months after the end of your applicable Covered Period. See below for more information.

Forgiveness for Loans Made in 2021
You will be eligible to apply for Loan Forgiveness once your Covered Period is complete. Loan proceeds must be spent during the 8- to 24-week “Covered Period” immediately following disbursement of the loan. We will send you an email invitation to begin the Loan Forgiveness process when the time is appropriate (please check your spam or junk folders for messages from PPPforgiveness@mechanicsbank.com) when the time is appropriate. If you are ready to begin the Loan Forgiveness Application process, but have NOT received an email from us, please contact us by email at CaresAct@mechanicsbank.com.

Loan Forgiveness made easy (for loans of $150K or less)
Earlier in 2021, the SBA released a simplified one-page loan forgiveness application (3508S) for PPP loans of $150,000 and less. This application does NOT require any supporting documentation to be provided with your loan forgiveness application and can be used for 1st or 2nd Draw loans. Certain exceptions apply, and other conditions exist. See application form 3508S and instructions for details.

Start your Loan Forgiveness Application
Ready to start the Loan Forgiveness process? Don’t see an earlier email from us? Notify our PPP team who will research your loan and send you the Loan Forgiveness Portal access. Please include your contact name, business name, phone number and email address.

Our Forgiveness Portal
Even though you’ll fill out and sign our electronic PPP Loan Forgiveness Application Form, you still need to download a copy of the SBA’s form(s) for reference throughout this process. The SBA documents have detailed instructions and information to assist you through each step of the Forgiveness Application process, including information on expense eligibility, calculation, documentation requirements, definitions, etc.

  • Forgiveness Application Form & Instructions - 3508S
  • Forgiveness Application Form & Instructions - 3508EZ
  • Forgiveness Application Form & Instructions -  3508

Web Browsers and Settings

Please make sure you are using the latest web browser versions of either Google Chrome or Microsoft Edge (you may download either by clicking on the links).  The Forgiveness Application Portal will not work with Internet Explorer (IE), Safari or Firefox .

Please adjust your browser settings to allow/permit “Third Party Cookies” and “Pop-up Windows” during the Forgiveness Application Process.

PPP Loan Payment Deferrals

As our earlier emails confirmed, your loan payments are deferred. Please note the following on payment due dates:

  • When is your first loan payment due?
    As long as you file your Loan Forgiveness Application with us within 10 months after the last day of the maximum Covered Period of 24 weeks, your loan payments are deferred until the SBA issues a decision on your Loan Forgiveness Application.  
  • The Interim Final Rule ( 13 CFR Part 120) posted to the Treasury Department website on January 19, 2021 reads as follows:  When must a borrower apply for loan forgiveness or start making payments on a loan? If the borrower does not apply for loan forgiveness within 10 months after the last day of the maximum covered period of 24 weeks, or if SBA determines that the loan is not eligible for forgiveness (in whole or in part), the PPP loan is no longer deferred and the borrower must begin paying principal and interest.  If this occurs, the lender must notify the borrower of the date the first payment is due.

Instructions & Forms

SBA Form 3508S (application and instructions)

SBA Form 3508EZ (application and instructions)

SBA Form 3508 (application and instructions)

Loan Forgiveness FAQs

Additional SBA Resources

SBA Website - Loan Forgiveness

U.S. Treasury Website

begin the loan forgiveness process

Please include your name, business name, phone number and email address.

The Loan Forgiveness Process

Below is a summary of the steps you will go through, with additional information you should review for each step. Please see the tools and guides in the box below for additional information, application instructions and answers to common questions.

We are limited in our ability to answer questions regarding PPP Loan Forgiveness until your application process begins. At that time you’ll have the ability to email your loan processor, but please note you should contact your preferred financial, tax or legal advisor for any questions about your loan forgiveness. You should also review the information on the SBA and US Treasury websites (links provided above and below). You may contact us before you begin the PPP Loan Forgiveness process at CaresAct@mechanicsbank.com, but please note, due to the large volume of emails we receive each day, you may not receive a response for 48 hours. Thank you for your patience and understanding.

Need help with PPP?

Contact Customer Care

Send an Email

Did you find the information on this page helpful?

Was the information on this page helpful?

Need help with your account? Please call or email us.

Your rating has been submitted - thank you for your feedback.
We're sorry - something went wrong. Please try submitting your rating again.

Share this page:

Disclosure:

All loans and credit products subject to program eligibility, collateral, underwriting approval and credit approval.

Financial, Tax and Legal Advice - We recommend that you obtain professional advice from your preferred financial, tax or legal advisor before beginning a PPP Loan Application and/or the Loan Forgiveness Application process. The information we are providing on our website is intended to help you navigate either process, and is based on the Bank’s interpretation of laws, rules, regulations, and guidance provided by the SBA and U.S. Department of Treasury regarding the Paycheck Protection Program at the time this page was authored. While the information provided is intended to be accurate it should not be considered, and is NOT INTENDED TO BE, FINANCIAL OR LEGAL ADVICE. This page and its content may be updated periodically if there are changes to the Program. As we’ve all seen, the Program is rapidly evolving and the Bank cannot be held responsible for any errors or omissions as a result of this. Please consult the SBA and U.S. Treasury websites for the most up-to-date information. In the event of any discrepancies between the information on our website and the SBA or U.S. Treasury sites, please follow official SBA or U.S. Treasury guidance.

Mechanics Bank

Routing Number: 121102036
© 2020 Mechanics Bank. All rights reserved.

Oakland A's

The Official East Bay Bank of the Oakland A's

Forbes Best Banks 2022

© 2022 Forbes Media LLC. Used with permission.

  • About Us
  • Who We Are
  • News & Press
  • Careers
  • Community Commitment
  • Resources
  • Covid-19 Impacts & Branch Closures
  • Schedule an Appointment
  • Locations
  • Contact Us
  • Branch Holidays
  • Routing Number
  • Help Center
  • Financial Education
  • Privacy
  • Security
  • Agreements & Disclosures
  • Federal & Regulatory Resources
  • Website Accessibility Statement
  • Web Content Accessibility Guidelines
  • Machine Readable Files Anthem
  • Machine Readable Files Kaiser

Deposit and loan products are offered by Mechanics Bank, Member FDIC
equal housing lender logo Equal Housing Lender NMLS#442116


Investment management and trust services are offered by Mechanics Bank Wealth Management. Mechanics Bank investment products are:

Not FDIC Insured     |     Not Bank Guaranteed     |     May Lose Value

Now Leaving
Continue Cancel
Server: www1 | Status: 4