Like many small business owners we are trying to protect our employees wages during these scary times. The SBA has initiated Paycheck Protection Program so employees can received their full pay for 2.5 months. The loan is guaranteed by the federal government and within the first 4 hours of starting the program other regional and small banks had loaned $875,000,000.00 but First Citizens was not among them. Shame on them for dragging their feet causing increased frustration levels.