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Website Terms of Use

We are glad you have chosen to visit our site. Before proceeding, please read these Terms and Conditions of Use carefully.

By accessing our site, you agree to all of the following. Questions regarding these Terms and Conditions can be sent to or you may reach us by telephone during our normal business hours at 386-447-1662.

Product Information

Information regarding our products and services is not intended to take the place of our agreements governing our products and services, or our disclosures made in accordance with federal and state law. Information on our site may not apply to all products and services and is current only as of the date posted. Information presented on this site regarding any of our products and services does not constitute a commitment to provide any such product or service. Eligibility for certain products and services may vary, and is subject to final determination and acceptance by us. Please contact us directly at 386-447-1662 for more information, or for copies of any applicable agreements or disclosure statements.

Use of Information

The information contained on the pages of this website is not intended to provide, and you should not rely on it for, legal, accounting, financial or tax advice. Please consult with your tax, accounting or financial advisor or legal counsel before using any of this information.

Copyright and Trademarks

We own the copyright in and to all of the pages and the trademark, "Intracoastal Bank", and all related intellectual property rights. Your use of the site does not entitle you to any rights in any of the foregoing.

Electronic Mail

Email messages sent to us are on a non-confidential basis and become our property upon receipt, which we may use, disclose, reproduce or republish. Transmission of email by the Internet may not always be secure. For example, Email may be intercepted by a third party or may not be immediately received by the designated person or department. Please do not use email to send us confidential information or information that we may require in writing or which may need our immediate attention. You are welcome to contact us directly at 386-447-1662. Except as specifically agreed by us or required by law, we will not be subject to any obligations of confidentiality regarding, or liability for losses or damages incurred as a result of, submitted information or information transmitted to any person or entity as a result of a request for such transmission. Please be aware that when you receive a receipt acknowledging your email, it means that the message has been routed into the Internet, and not that the message has been received by us.

No Liability

In no event will Intracoastal Bank or its holding company, subsidiaries or affiliates have any liability or responsibility for any loss or damage, including, without limitation, any direct, indirect, or consequential, incidental, or special loss or damage, arising out of or relating to the (1) use of or inability to use, print or display all or any portion of this site by you or any other person, or (2) any failure or delay or error in operation, transmission or performance, whether caused by system failure, virus or other disabling routine, or otherwise. This disclaimer of liability applies even if Intracoastal Bank or their service providers, employees, or affiliates or any of its or their service providers, employees, or representatives have been advised of the possibility of any such loss or damage.

No Warranty

Neither Intracoastal Bank makes any warranty regarding the site or the information or materials on the site or any linked site, and each of the foregoing expressly disclaims all implied and express warranties of any type, including, without limitation, warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property rights, and freedom from computer virus. This site is posted "as is" and "as available", and no representation or warranty is made as to the accuracy, sufficiency, timeliness, or completeness of the site or any linked site, or the information, pages or other materials included herein or therein. You may verify current rates and other information by calling us at 386-447-1662.

Additional Disclaimers

Descriptions of, or references to, products, services or publications within this website do not imply our endorsement or approval of any such product, service, or publication. We are not associated with or responsible for any of the external linking websites that may be accessed through our site and use of any such hyperlinks, or other sites will be at your own risk. The content, accuracy, opinions expressed, products or services offered, and other links of other websites are the sole responsibility of their authors and owners, and are not investigated, verified, monitored, authorized, or endorsed by us. Your Agreement to These Terms and Conditions By accessing any page of this site, you agree to these Terms and Conditions. If you do not agree, please do not use our site. These Terms and Conditions do not modify or supplement any existing agreement that we may have with you and is not intended to be incorporated as part of any agreement between us. We reserve the right, at our discretion, to change, modify, add, or remove any of these Terms and Conditions at any time. Please check this page periodically for changes. Your continued use of this site following the posting of changes to these Terms and Conditions will mean you accept the changes. These Terms and Conditions are the entire agreement between the parties relating to the use of this site.

Security Statement


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.

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 eight to seventeen characters, including one numeric, one uppercase and one lowercase character required, 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 five invalid login attempts. This prohibits the 'hacker' from gaining access to our system, thus protecting your accounts.

Your Password

Your customer ID/username and your password (collectively “the Password”) are for your use and protection. You agree to: (a) not disclose the Password, or other means to access the Service or your Accounts, or otherwise make it available to anyone else; (b) use the Password as instructed in the Guides; (c) immediately notify us of any loss or theft of the Password; and (d) be liable for the Password and for its authorized use and for its unauthorized use as described in this Agreement. Unless you notify us as provided in this Agreement, you acknowledge that we are entitled to rely on the use of your Password as your authorization for any Transaction through the Service. You are responsible for all Transactions you initiate or authorize using the Service. If you permit any other person to use the Service or your Password or other means to access your account, you will have authorized that person to access your Accounts and you are solely responsible for any Transactions that person initiates or authorizes from your Accounts.

Out-Of-Band Authentication

Once you have successfully enrolled into Online Banking, you will be prompted to go through step up authentication. This process is designed to provide enhanced security and help protect against fraudulent online activity by establishing user identity when accessing Online Banking. The first time you log into Online Banking you will be required to authenticate your identity. The step up authentication solution is designed to reduce the risk of fraud by confirming user identity when accessing Online Banking by device profiling and out-of-band authentication. Specifically, this solution includes the following components:

During the online banking login, extensive details about your device (e.g. computer, tablet, etc.) and network are gathered and evaluated for comparison with the your typical behavior looking for any indication that fraud may be involved in the login. The result of this evaluation is used to determine if additional security steps are needed in the login process.

Based on the results of the Device Profiling and the login authentication, Online Banking may require an additional Out-Of-Band authentication step. Out-Of-Band Authentication allows you to confirm your identity through the use of a one-time security code you would receive through either an automated telephone message or a text message. You must provide to us a current mobile telephone number to allow us to send you either an automated telephone call or text message to your mobile telephone. Text and Data messaging rates may apply. Check with your carrier for details on specific fees and charges.

Upon subsequent logins to Online Banking, you may be required to authenticate your identity based on the results of the Device Profiling process. It is your responsibility to ensure that the mobile telephone number in our records remains current to enable us to contact you by text or telephone call to your mobile telephone. We will transmit a text message or automated telephone call to the most current mobile telephone number in our records.

Email and/or text Alerts

You may sign-up to receive alerts related to particular customer identifiers that you maintain with Intracoastal Bank. You may enrolled for Security, Balance, Transaction, Transfers, ATM/Debit Card, Certificates, and other Alerts. When agreeing to receive Alerts, you consent to delivery of such Alerts to the email addresses and/or phone number that you identify. You are responsible for notifying us of any changes to your email address or phone number to which Alerts are sent. Security Alerts are sent automatically after the triggering event occurs and Account Alerts are sent daily, based on account activity occurring on the prior Business Day. You understand and agree that Alerts will not be sent on a “real time” basis, and that all Alerts are sent after the triggering event has taken place and been completed. You acknowledge that Alerts will not be encrypted, and you agree to receive Alerts that may include confidential information pertaining to you, this Service, particular Transactions or activities, and your Account(s). Depending upon the Alert, information pertaining to checking account balances, checks written, transaction amounts, or insufficient funds may be included. You agree to notify us of any change to your email address or phone number in order to ensure continued delivery of your Alerts. Alerts and its contents are intended for informative purposes only. Intracoastal Bank will not be liable for losses or damages arising from any delivery delays, failure to deliver, or misdirected delivery of any Alert; for any errors or inaccuracies in the content of an Alert.

USA Patriot Act

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, tax identification number, driver’s license, or other information that will allow us to identify you.

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