Government Shutdown 2025
On October 1, 2025, the federal government entered a shutdown due to a lapse in funding. While shutdowns can create stress and uncertainty, Marine Bank is fully operational.
MBT is a locally owned community bank, and we are FDIC-insured. Access to your accounts, digital banking services, ATMs, and more is not affected in anyway.
We are here for YOU!
If you are a federal employee or active-duty military member and are experiencing the shutdown's impact on your income or finances, please contact your Banker or Lender. As your Local Community Bank partner, we are here to work with you to explore solutions tailored to your situation.
Key Considerations
- Your accounts are safe, accessible, and FDIC-insured. All Bank locations are open and operating normally. Federal regulators, including the FDIC, Federal Reserve, and Federal Home Loan Banks, are not funded by congressional appropriations so their operations continue uninterrupted.
- Direct deposits may be delayed for federal government employees.
- Social Security beneficiaries and SSI recipients will continue to receive payments with no change in payment dates.
- Processing of federally backed mortgages and loan programs, including FHA, VA, SBA, and USDA loans may slow down due to reduced staffing at these agencies.
- Financial markets remain open and operational; however, they may operate under reduced oversight due to agencies such as the SEC (Securities and Exchange Commission) and CFTC (Commodity Futures Trading Commission) staff furloughs.
If you are financially impacted by this shutdown or experiencing a financial hardship caused by other circumstances, please be sure to contact us and visit our Financial Resource Library to learn more about Managing a Financial Hardship.