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Security Statement


Bank of Central Florida believes keeping your personal, business, and account information secure is of utmost importance to our valued clients. We have built a number of security features into our Online Banking services to ensure the protection of your data and keep you worry free.

Secure Access and Verification of User Authenticity

  • To begin an Online Banking session, you must key in a user ID and password. The user ID and password are on separate pages and encrypted for security purposes.
  • Our system has technology to recognize if your computer has attempted to make access. We can validate your device (PC, laptop, mobile phone, tablet) user name and password.
  • You may be asked to validate your identity through a one-time security code via a phone call or SMS (text) message. If a phone is unavailable, you will be asked to answer a series of questions obtained from public records to validate your identity.
  • Our system also uses a "three stikes and you are out" lockout mechanism to deter users from repeated login attempts. You must contact the bank to have your account unlocked.
  • When using Online Banking, account numbers will be masked (only the last four numbers of the account number are shown) for security purposes.
  • To provide additional protection, a timeout feature automatically logs a user out of Online Banking after an extended period of inactivity on the site.

Secure Data Transmission

After the server session is established, the user and the server are in a secure environment. Because the server has been certified as a 128-bit secure server (the highest level commercially available), data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. SSL utilizes highly effective cryptography techniques between your browser and our server to ensure the information being passed is authentic, cannot be deciphered, and has not been altered en route. Your browser will indicate when you are in a secure session with a closed padlock icon. You will also see https:// in your browser’s URL address bar, indicating that you have established a secure link.

Router and Firewall

All requests for information must filter through a router and firewall before they are permitted to reach the server. A router (a piece of hardware) works in conjunction with the firewall (a piece of software and hardware) to control traffic and authorize legitimate transactions passing over the network. You can feel secure knowing that our firewall protects your personal information from unauthorized accessed. The system is monitored 24 hours a day, 7 days a week for a wide range of anomalies to determine if attempts are being made to breach our security network. As an additional measure of security, our servers reside in a secure data center.

User Responsibilities

While Bank of Central Florida continues to evaluate and implement the latest improvements in Internet security technology, users of our Online Banking services also have a responsibility for the security of their information and should follow the recommendations listed below:

  • Keep your password, user ID, security questions, and any other personal information confidential to prevent unauthorized access to your account(s).
  • Do not use your Social Security number, birth date, or other personal data that would be easy for someone else to guess as your password.
  • Change your password often and contact us immediately at (863) 682-7100 if you believe your login information has been compromised. An e-mail will be sent to your e-mail address on record and posted to your Online Banking message inbox to inform you of any password changes made.
  • Never leave your computer unattended while logged on to the Online Banking system.
  • Check to ensure the website address begins with https:// and that a closed padlock icon appears to ensure your session is secure.
  • When you are finished with your transactions, always click the "Sign Off" button to exit your Online Banking session and prevent further access to your account(s).
  • Only use the secure e-mail service provided within our Online Banking (click Customer Service, Contact Us) when sending or requesting account or personal information. Do not send confidential information via a general or public e-mail system.
  • Install and update virus protection software to reduce the risk of computer viruses. Never allow a virus to remain on your computer while accessing the Online Banking system. Use extreme caution when opening e-mails from unknown sources and pay special attention to any links or attachments. If you suspect an e-mail may contain a virus, delete the e-mail immediately.
  • Check your account and transaction history details regularly. Immediately report any unauthorized Online Banking transactions or password compromises to Bank of Central Florida.

Liability Limitations

The Electronic Fund Transfers Act, in conjunction with Regulation E, limits the liability for unauthorized electronic fund transfers that occur in your account if you notify the bank within certain timeframes. Regulation E applies for accounts owned by natural persons for personal, family, or household purposes. It does not cover accounts established for business purposes.

We reserve the right to revise this Security Statement at any time by posting a new Security Statement and will send an alert for any changes made.