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Disclosures

 

FACTS WHAT DOES INTRACOASTAL BANK DO WITH YOUR PERSONAL INFORMATION
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
• Account balances and payment history
• Credit history and credit scores


When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BANK chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information
Does Intracoastal Bank share?
Can you limit this sharing?
For our everyday business purposes -
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes -
to offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We don't share
For our affiliates' everyday business purposes -
information about your transactions and experiences
No
We don't share
For our affiliates' everyday business purposes -
information about your creditworthiness
No
We don't share
For our affiliates to market to you
No
We don't share
For nonaffiliates to market to you
No
We don't share

Questions? Call 386-447-1662 or go to http://www.intracoastalbank.net

Who we are
Who is providing this notice?

INTRACOASTAL BANK, 1290 Palm Coast Pkwy, Palm Coast, FL 32137


What we do
How does Intracoastal Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

 

We take seriously our obligation to safeguard your Confidential Information. Your information is accessible only to employees who need the information to provide products or services to you. All our employees are bound by a formal Code of Conduct emphasizing their responsibility to maintain the privacy and confidentiality of your information. We also maintain physical, electronic, and procedural safeguards to reasonably ensure the confidentiality of your information. We monitor new technology and upgrade our systems as needed to best protect your information.

 

How does Intracoastal Bank collect my personal information?

We collect your personal information, for example, when you

  • open an account or deposit money
• pay your bills or apply for a loan
• use your debit card or perform a transaction with us and others


We also collect your personal information from others, such as credit bureaus and service providers.

 

Why can't I limit all sharing

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you


State laws and individual companies may give you additional rights to limit sharing.

 


Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Intracoastal Bank has no affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Intracoastal bank does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

SECURITY STATEMENT

Security
Your transactions are absolutely safe. Intracoastal Bank works with cutting-edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Internet banking. You can be completely confident of the following security measures:

Secure Communications
Our system ensures that data-exchanged between your PC and our computer networks are encrypted with 128-bit encryption – the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to 'encrypt' or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature included. How can you tell if your browser is secure? Click Here

Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a 'firewall.' A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks' internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Secure Login
User IDs and passwords are isolated from the Internet by being stored on Intracoastal Bank's computer. This way, the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from six to twelve characters, which means the chance of randomly guessing a password is less than one in one billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the 'hacker' from gaining access to our system, thus protecting your accounts.

Your Password
You will be responsible for maintaining one of the most important security measures: your password. When you create your Intracoastal Bank online banking password be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security."

Multifactor Authentication
Recently an additional layer of security and fraud protection has been added to help prevent identity theft. Now when you signup for Internet banking you will be required to establish a security image and three security questions. Your security image will help to confirm that the website you are visiting is authentic and your passcodes will serve as a second layer of security to verify your identity on non-registered computers.