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Privacy Policy

Your privacy is important to us.

Revised: August 2024

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 Intracoastal 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 to 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 non-affiliates to market to you	No	We don't share

Questions?	Call 386-447-1662 or go to https://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, affiliates, 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 non-affiliates to market to you

State law 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 non-financial companies.

Intracoastal Bank has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Intracoastal Bank does not share with non-affiliates 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:

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.Click here to see if your browser is 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.

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.

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."

Multi-factor 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.

Have Questions?

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