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Atlantic Coast Bank takes security seriously. We're committed to keeping your accounts and personal information secure. Our goal is to help you protect yourself against fraud and identity theft. We have a number of safety measures in place to help protect you, including industry-standard technologies on our Web site and teams dedicated to fighting against fraud and identity theft. You can depend on us to safeguard your personal and financial information.

Keeping your private information private is a team effort. Please follow these links to learn more about how to protect yourself.

FDIC Increases Your Deposit Insurance Limits
The Federal Deposit Insurance Corp. (FDIC) has increased your deposit insurance from $100,000 to $250,000 per depositor.

  • How do you benefit?
  • Atlantic Coast Bank is an FDIC member bank, which means this increased coverage applies to you and your accounts at Atlantic Coast.
  • Your deposit accounts – savings, checking, money market and CDs, are insured up to $250,000 per depositor.
  • Depending on how your accounts are titled, you can receive more than $250,000 as a household.

Talk to your Atlantic Coast banker for details. And to learn more about the FDIC and how it makes your bank deposits secure, go to

Secure Online Banking 
The Electronic Fund Transfers Act (EFTA) provides specific protections to consumer accounts. For your account to be covered by this act, it must be established primarily for consumer purpose use. The act covers transactions initiated by electronic means that instruct Atlantic Coast Bank to either credit or debit the consumer's account. Types of transactions covered by the act include debit card and ATM transactions, direct deposits or withdrawals, Point of Sale (POS) transactions, telephone initiated transactions, and internet initiated transactions. The specific protections and liability are included in your Consumer Electronic Funds Access Agreement and available for your review.

Commercial accounts are not subject to the Electronic Funds Transfer Act and are therefore not afforded the same protections as consumer accounts. If you have a commercial account, then your account is subject to the terms and conditions included in your Commercial Electronic Funds Access Agreement. In case of errors or questions about electronic funds transfers from your commercial account, we must hear from you no later than the opening of business on the second banking day following the settlement date of the original entry to limit any of your liability.