Client Services

At Bank of Central Florida we know how important it is for you to have access to the resources you need and answers to your everyday questions. We have collected the most Frequently Asked Questions on this page for easy reference. We’ve also included additional resources  that may prove helpful such as financial calculators. If you do not find an answer to your question here contact a Private Banker or local office.

Frequently Asked Questions


Account FAQs

FDIC Insurance Coverage

Debit Card FAQs

Savings Bond Calculator

General Banking FAQs

Financial Calculators

Online Banking FAQs

Intelligent eBanking Demo

Privacy and Security FAQs

Bank Forms

Account FAQs

How do I re-order checks?

If you are currently enrolled in Intelligent eBanking, simply login and click "Order Checks" under the Customer Service tab.  If you are not currently enrolled in Intelligent eBanking, you can visit to re-order checks directly from Harland Clarke, our preferred provider.  Ordering checks online from Harland Clarke is safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

How do I place a stop payment?

You may place a stop payment after logging into Intelligent eBanking. Select the "Customer Service" tab located along the top of the Accounts Overview screen and then click the "Stop a Check" link. To add your request, complete all requested fields and click "Continue." Please note that standard stop payment fees apply. Clients not using Intelligent eBanking should contact their Private Banker or the bank directly to place a stop payment.

Will I receive my canceled checks with my statement?

Checking and money market accounts offer a great service called check imaging, which eliminates the need for returned checks. Each printed statement comes with reduced copies of the front of each check for cleaner and easier recordkeeping.

How can I order a copy of a check or deposit?

To order a copy of a check or a deposit, please contact your private banker or a local office. If you are an eBanking user, a copy of a check that cleared within the last 60 days can be printed in Intelligent eBanking by clicking the camera next to the check number in the Account Activity screen.

How can I order a copy of a statement?

To order a copy of a statement, please contact your private banker or a local office. If you have signed up for eStatements, you may print a statement by clicking on "Statements" on the Accounts page of Intelligent eBanking.

What are the incoming wire instructions?

Bank of Central Florida allows incoming wires for our clients for a fee. You will need to provide the person or business that is wiring funds to your account with the Bank of Central Florida name, bank address, your name, your address, and your account number. Once we receive these funds and verify that all of the information is correct, your account will be automatically credited. Please contact your private banker or the bank directly for the receiving ABA routing number and additional wire instructions.

What are the outgoing wire instructions?

Bank of Central Florida allows outgoing wires for our clients for a fee. The following information is required:

  1. name and physical address of the individual or business recipient;
  2. recipient's account number;
  3. name, address, and ABA routing number of the bank where the recipient's account is held;
  4. any special instructions; and purpose of wire.
  5. Please contact your Private Banker or the bank directly for additional wire instructions.

Debit Card FAQs

What does Anywhere ATM mean?

Anywhere ATM means Bank of Central Florida card holders can use their debit card at any ATM machine within the U.S. and the fee will be reimbursed. Simply accept the fee when using an ATM and Bank of Central Florida will reimburse the ATM withdrawal fee for you!

What if an ATM presents a withdrawal fee screen? 

Press YES to accept the fee and continue with your transaction. Bank of Central Florida will reimburse the ATM withdrawal fee for you. 

When will the ATM withdrawal fee be reimbursed? 

The ATM withdrawal fee reimbursement will show in your account no later than the second business day* after the transaction date. 

How does the ATM withdrawal fee reimbursement appear on my account? 

ATM withdrawal fee reimbursements will show on your account with a description of “ATM SURCHRG REVERSAL.”

When can I expect to receive my chip-enabled debit card?

During 2017, Bank of Central Florida will be replacing all standard magnetic stripe debit cards with a more secure chip-enabled card. If you do not have a chip-enabled debit card today, you will automatically receive one prior to yearend. Until then, continue to use your standard magnetic stripe card. Please contact your Private Banker or the bank directly if you wish to receive a chip-enabled card sooner.

Why does my new debit card look different than my old debit card?

Only the card image has changed, all of the debit card features and benefits you currently have remain unchanged.

What should I do about recurring payments on my old debit card?

Anytime a new debit card is received, the expiration date and 3-digit security code changes. After activating your card, you should provide the updated card details to merchants that automatically debit your card.

How does a chip-enabled debit card work?

It's easy. If the retailer has a chip-enabled terminal, simply insert your card face up - chip forward into the terminal. To authorize your transaction, just follow the prompts on the terminal.

Depending on how the merchant terminal is set up, you may or may not be prompted to choose debit or credit. You will be prompted to enter your PIN or to provide a signature depending on the transaction amount. Remove your card from the terminal, as prompted, once the transaction is complete.

If you are unsure if a terminal is chip-enabled, simply swipe your card using the magnetic stripe as you normally would. If the terminal is chip-enabled, it will recognize that your card has a chip and prompt you to insert the card. If it is not chip-enabled, the transaction will process as normal.

Internet and telephone transactions will work just as they do today.

Now that I have a chip-enabled debit card, do I need to notify the bank before I travel internationally?

Yes. If you are traveling internationally, it is advisable to call your Private Banker or the bank directly to notify us of your travel plans so your card can be flagged as such. Informing us of your travel plans in advance alerts us to debit card activity that might otherwise appear as suspicious or fraudulent. 

Will my chip-enabled debit card work at all ATMs?

Yes. Your card will work at chip-enabled ATMs and at ATMs where only magnetic stripe transactions are accepted. 

Are chip cards secure?

Yes. Chip technology is already the security standard in many countries around the world. When purchases are made using the card at chip-enabled terminals, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.
Remember, if you notice any suspicious card activity on your account, notify us immediately by calling the number on the back of your card. 

Will chip cards prevent third-party data breaches?

Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach. 

Will chip cards prevent all fraud from happening?

No. As the industry continues to develop new ways to protect consumers, criminals continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide. As always, your purchases are covered by our zero liability protection, where Bank of Central Florida credits your account for unauthorized activity.

What do I do when my card expires?

Shortly before your card expires, you will receive a replacement card in the mail. The card number and PIN will remain the same. The expiration date and security code will change; therefore, you should inform merchants that automatically debit your card. Once the new card has been activated, please destroy your old card.

How can I activate my debit card?

Two options are available for activating your debit card:

  1. Call 855-731-8013 for 24/7 voice response activation, using your phone number on file with the bank; or
  2. Use the card with your current PIN, or system generated PIN at any ATM or merchant location. A system generated PIN is received by mail in a secure envelope. 

How can I change the PIN on my debit card?

To change your current debit card PIN, call 855-731-8013 using your phone number on file with the bank and follow the voice response prompts. You will be prompted to enter the existing PIN before a new PIN can be chosen. If you experience a problem while changing your PIN, please contact your Private Banker or the bank directly.

Remember that a secure PIN helps protect you from unnecessary losses. Use a PIN that only you would know. Do not use a number that can be determined using information found in your wallet, and never disclose your PIN to anyone.

How can I order a debit card if my current card is damaged?

Please contact your Private Banker or the bank directly to have your damaged card replaced. 

How can I report my card lost, stolen, or having fraudulent activity?

Please call Debit Card Support at 800-379-2603 to report your card lost, stolen, or having fraudulent activity, preferably from your phone number on file with the bank. Debit Card Support is available 24/7 and can assist you in card blocking, reviewing of fraudulent activity and new card issuance. You may also contact your Private Banker or the bank directly.

What are my debit card limits?

Daily Transactions
ATM Cash Withdrawal
Pinned POS
Cash Advance
Signature POS

Limit Amount

*Business days are Monday-Friday, excluding Federal Holidays

General Banking FAQs

How do I change my address or other personal information?

You may change your address or personal information by visiting one of our offices and completing a Change of Address form. Alternatively, you may send us a secure email with the information you would like to change within Online Banking (click Customer Service, Contact Us).

How do I change my name?

To change your name, please visit an office for assistance. You will need to provide updated identification and your supporting documentation, such as a marriage certificate.

What are the advantages of direct deposit?

Direct deposit is a more secure and convenient method of receiving funds. You don't have to worry about your check being lost, stolen, or delayed in the mail or making time to stop by the bank to deposit your check. Your money is available for withdrawal on the business day that Bank of Central Florida receives the deposit.

How do I set up direct deposit?

To set up direct deposit, please contact or visit your local office to obtain a direct deposit form. To establish direct deposit of your Social Security benefits, visit the Social Security Administration website at  Funds can be direct deposited into your checking, savings, or money market account.

How can I purchase savings bonds?

Paper Series EE and I savings bonds will no longer be sold through financial institutions or mail-in orders after December 31, 2011. You can purchase, manage, and redeem electronic savings bonds online through While paper savings bonds can be converted to electronic through that website, Bank of Central Florida is also able to redeem paper savings bonds for our clients.

What is Bank of Central Florida's ABA routing number?

If you are ordering checks, setting up a direct deposit, or initiating an automatic payment, you will likely be asked to provide an ABA routing number. Bank of Central Florida's ABA routing number is 063116261.

What is ChexSystems?

ChexSystems is a nationwide reporting and collection agency. The agency is used by most financial institutions, including Bank of Central Florida, to collect and track individuals who owe money to banks and who have mishandled their bank accounts.

Are my deposit accounts FDIC insured?

Bank of Central Florida is a member of the Federal Deposit Insurance Corporation (FDIC). The basic insurance amount is $250,000 per depositor, per insured bank. Deposits maintained in different categories of legal ownership at the same bank can be separately insured. Therefore, it is possible to have deposits of more than $250,000 at one insured bank and still be fully insured. If you have more than $250,000 at one institution, it is best to visit the official FDIC website at to review all of your available options.

How do I obtain a loan payoff amount?

Please contact your Private or Commercial Banker.

When will I receive my 1099 and 1098 statements?

The bank has until January 31st to mail out year-end forms. We strive to mail the forms as soon as possible. Please note that 1099 forms are not produced on deposit accounts with interest amounts of $10.00 or less.

What if I do not receive my 1099 or 1098 statement?

If you do not receive your 1099 or 1098 statement, please contact your Private Banker or the bank directly with your information and a duplicate will be produced and mailed.

Online Banking FAQs

Is online banking really safe?

It really is. We use powerful encryptions, perimeter and internal firewalls, intrusion detection, virus protection, and all of the latest security measures to ensure that your transactions are confidential and your money is safe. Additional information can be viewed in the "Security Statement" of the Client Protection section of our website.

What are the advantages of online banking?

The eBanking service transforms your personal computer into a private banking office, letting you complete most routine transactions at your convenience 24 hours a day, seven days a week, whether you're at home, in the office or on the road. You can pay bills, check account balances, confirm transactions, transfer funds between accounts, set up alerts, stop payments, and more. All you need is a computer connected to the Internet. Best of all … this service is FREE.

What is required to access eBanking service/bill pay?

To access eBanking service, you need a transaction account such as a checking, savings, or money market account. You can sign up by selecting the "Intelligent eBanking" link on our homepage and then selecting "sign-up." Once you have signed up for the eBanking service, you can then enroll in the bill pay service.

What is an eStatement?

An eStatement is your monthly account statement received electronically. The eStatement is an official document, just like a paper statement. Thus, you can use them for recordkeeping, tax purposes, and more. You will receive an email each month to notify you that a new eStatement is available for viewing.

What if I cannot access eBanking or have forgotten my password?

If you cannot access your account, please contact your private banker or the bank directly during business hours. You may also click on the "Intelligent eBanking" login and click on "Customer Support" or call 1-866-211-1512.

How do I change my statement options?

If you would like to receive your statements electronically, login to Intelligent eBanking and then select "Statements" where you will have the option to enroll in electronic statements. Once enrolled, you can select "Change your statement delivery method" to update other accounts you may have or to change statement delivery back to paper. If you opt to receive your statement electronically, you will not receive a paper statement by mail. If you would like to receive your statement both by mail and online or set up an alternate statement address, please contact your Private Banker or the bank directly.

Privacy and Security FAQs

Can I send the bank a secure email?

Yes, if you wish to send us a secure email that may contain confidential information, you will need to access Online Banking (click Customer Service, Contact Us).

What is identity theft?

Identity theft occurs when someone wrongfully obtains and uses your personal information in some way that involves fraud or deception. If you believe you have been a victim of identity theft or want to learn more, visit the Client Protection section of our website.

How does Bank of Central Florida protect my privacy?

Keeping your financial and personal information secure and confidential remains one of our top priorities. We ensure your privacy and security by offering technology, services, and comprehensive internal procedures to help protect you. However, there are also precautions you can take to keep your personal information secure. Visit the Client Protection section of our website for additional information.


FDIC Insurance Coverage

All Bank of Central Florida deposit products are FDIC insured. The FDIC’s Electronic Deposit Insurance Estimator (EDIE) lets you calculate the FDIC insurance coverage for your personal and business accounts.

The FDIC website contains a series of short videos describing how a client can maximize FDIC insurance coverage for various types of accounts.

Savings Bond Calculator

This link will take you to the TreasuryDirect government page for a wealth of savings bond information. A Savings Bond Calculator can be found under the "Tools" tab.

Financial Calculators

Home Financing

Use these calculators to estimate monthly mortgage payments, to determine what loan amount you may qualify for, or other similar inquiries. Simply click on the question that best fits your needs.

Personal Financing

Use these calculators to determine information such as how much you can afford each month for car payments, how much you need to save for college, or how long it will take you to pay off a credit card. Simply click on the question that best fits your needs.


Use these calculators to learn more about Individual Retirement Accounts (IRAs), to determine how much you may need to fund your retirement, and similar retirement questions. Simply click on one of the questions that best fits your needs.


As a convenience, you may download and complete any of the forms below and either mail them to us or bring them in to your local office (PDF forms require Adobe® Acrobat Reader on your computer to view and print).


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