What does Anywhere ATM mean?
Anywhere ATM means that Bank of Central Florida card holders can use their debit card at any ATM within the U.S. and the fee will be reimbursed. 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?
Press YES to accept the fee and continue with your transaction.
Bank of Central Florida will reimburse the ATM withdrawal fee for you 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 contactless debit card?
You should receive your card within 7-10 business days.
What should I do about recurring payments on my account that are charged to 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 account.
Do I need to notify the bank before I travel internationally?
Yes. If you are traveling internationally, it is advisable to call your Relationship Manager 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.
In addition, if you utilize our featured app SecurLOCK® and store you debit card within the app, you can place the card on freeze if you do not intend to use it overseas.
Will my 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.
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 account using 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:
- Call 855-731-8013 for 24/7 voice response activation, using your phone number on file with the bank; or
- 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 Relationship Manager 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 Relationship Manager 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. Contact your Relationship Manager to review any fraudulent activity.
What are the debit card limits?
|ATM Cash Withdrawal
How can I report my card lost, stolen, or having fraudulent activity?
This customer service number covers both service and fraud for our credit cards
How much are your Cashier's Checks?
Bank of Central Florida offers cashier's checks for $10. Contact your Relationship Manager or one of our local offices for assistance.
How do I re-order checks?
To re-order checks, you can call your Relationship Manager or request a new order in the office nearest to you.
How do I place a stop payment?
You may place a stop payment after logging into Online Banking. 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 Online Banking should contact their Relationship Manager or the bank directly to place a stop payment.
Will I receive my canceled checks with my statement?
To order a copy of a check or deposit without logging into online banking, please contact your Relationship Manager or one of our local offices.
How can I order a copy of a check or deposit?
In your online banking portal, a copy of a check and deposit that cleared within the last 60 days can be printed by clicking the camera icon next to the check number in the Account Activity screen.
For direct assistance in ordering a copy of a check or a deposit, please contact your Relationship Manager.
How can I order a copy of a statement?
To view a copy of your latest statement, log in to online banking, click on the desired account you wish to review statements, and then click on documents in the upper right-hand corner. This will take you to a landing page of your recent statements which you can download or save.
If you need further assistance, please call your Relationship Manager or a local office and we will be happy to assist.
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 Relationship Manager or local office for 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:
- Name and physical address of the individual or business recipient;
- Recipient's account number;
- Name and ABA routing number of the bank where the recipient's account is held;
- Any special instructions; and purpose of wire.
- For international wires, a swift code is required.
Please contact your Relationship Manager or the bank directly for additional wire instructions.
Is online banking really safe?
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 tab linked in our page footer.
What is required to access online banking/bill pay?
To access the Online Banking portal, you need a transaction account such as a checking, savings, or money market account. You can sign up by selecting the Online Banking login on our homepage and then selecting "Enroll." Once you have signed up for the Online Banking service, you can then enroll in the bill pay service.
What if I cannot access online banking or have forgotten my password?
On the login page, you can click on forgot password and follow the steps. If you are unable to follow the steps or are still experiencing login issues, please contact your Relationship Manager or the bank directly during business hours.
You may also click on the Online Banking 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 your online banking portal 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 Relationship Manager or the bank directly.
How do I download the app?
How can I setup my mobile number to receive notifications?
User(s) can add and/or update "use with alerts" option on the telephone section of the Personal Preferences under Self Administration page.
How do I use Zelle?
Privacy and Security
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 your Online Banking account. Once in the portal, click the Customer Service tab and then the Contact Us link.
What is identity theft?
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
What is Bank of Central Florida's ABA routing number?
Bank of Central Florida's ABA routing number is 063116261.
What days are considered business days?
Business days are Monday-Friday, excluding Federal Holidays.
How do I change my address or other personal information?
You may change your address or personal information by contacting your Relationship Manager or visiting one of our offices.
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, contact your Relationship Manager or visit us at one of our local offices 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. 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 the organization at which you are setting up a direct deposit from and obtain a direct deposit form. To establish direct deposit of your Social Security benefits, visit the Social Security Administration website at https://www.ssa.gov/deposit
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 www.treasurydirect.gov
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 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 www.fdic.gov to review all of your available options.
How do I obtain a loan payoff amount?
Please contact your Relationship Manager or Commercial Relationship Manager.
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 Relationship Manager or the bank directly with your information and a duplicate will be produced and mailed.
If you have any further questions, please contact your Relationship Manager or contact us.