• 305-789-7000
  • 169 Miracle Mile, Coral Gables FL
  • M-F 9am-5pm EST

WHAT YOU NEED TO KNOW

Protecting your accounts and identity

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little girls playing outside with balloons

What you need to do:

  • If you’re a victim of fraud, we're here to help. We'll cancel your debit and/or credit card and issue a replacement immediately, and we won’t hold you liable for any fraudulent activity.
  • Request your free credit report(s) annually and review for inaccuracies. You can get complete information about obtaining your report(s) at AnnualCreditReport.com.
  • Use a strong, unique password for each of your accounts. Memorize them and use multi-factor authentication, like fingerprint or one-time authorization code, where available.
  • If you use the BAC Florida Bank/My eBanc Mobile Banking app, allow push alerts, and be sure to review and respond to alerts promptly
  • Review our fraud prevention checklist for steps you can take to help establish a strong defense against fraud
  • Avoid sending confidential information through unsecured email, fax or texts to reduce the risk of improper access.
  • Be sure to keep your contact information current, especially your cell phone number and email address.

PROTECTING YOUR PRIVACY

Privacy Policy

As of April 1, 2014, BAC Florida Bank shares information about your creditworthiness with its affiliates, BAC Florida Investments Corp. (BFI) and BAC Global Advisors (BGA), for everyday business purposes, and allows BFI to use your personal information to market their products and services to you. BAC Florida Bank’s Privacy Policy is designed to protect your personal information and we will not share your personal information with non-affiliates for marketing purposes.
Our Online Privacy Notice explains the type of information we may collect from our customers, the situations in which we may share information about them, and provides you with choices on how you can limit the sharing of information. Customer means a consumer who has a customer relationship with us. Customer relationship means that we provide you with one or more financial products or services, which are to be used primarily for personal, family, or household purposes, or that individual’s legal representative.
Should you wish to opt out from our sharing your personal information with our affiliate, please complete and submit our Opt Out Form. A consumer may exercise the right to opt out at any time. Consumer means an individual who obtains or has obtained a financial product or service from us that is to be used primarily for personal, family, or household purposes, or that individual’s legal representative. Our Privacy Policy does not apply to information about companies or individuals who obtain financial products or services for business, commercial, or agricultural purposes.

Website Privacy Terms

This Online Privacy Notice (Notice) applies to use of the BAC Florida Bank website or mobile application (“Site”). The terms “we,” “our,” and “us” in this Notice refer to BAC Florida Bank. This Notice describes how we may collect, share and use information about you based on your interaction with our websites, advertisements, third party websites and BAC Florida-branded social media sites or pages and the choices you can make about how your information is collected and used throughout the Site. Your use of the Site constitutes your acceptance of our general terms and conditions, which we may change or modify at any time at our sole and absolute discretion and which are available on our Disclosure.
If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Notice.

ABOUT THE INFORMATION WE COLLECT

Personal Information

When you browse our Site or use our online services we may collect personal information you voluntarily provide it to us through forms on our website or in our mobile applications, such as survey forms, credit card or bank account applications, contest entries, and login pages for online banking or mobile application access.

Other Information

Other Information is any information other than personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.

How We Collect Information

In addition to the information you provide during the course of your visit of the Site we may collect certain non-personal information through a variety of ways, including:
Your browser
When you visit our site, we collect the IP address of the device as well as the type of browser you are using and the type of operating system. We will also note which site you came from or the advertisement you viewed or clicked on. We may use this information for a number of purposes, such as, to monitor website usage and/or performance, improve the customer experience on the website, ensure technological compatibility with visitors’ computers or other electronic or mobile devices, or to conduct aggregate analyses on usage patterns.
Cookies
Cookies are small files that capture information about your activity on this Site and are stored directly on your computer. The type of information gathered may include pages visited and time spent on the Site. No Personally Identifiable Information (“PII”) is gathered or stored via cookies. We may use the information to display information more effectively, to personalize your online experience and to advertise our products via third party advertising partners. You can block cookies by configuring your device and browser settings accordingly. You will need to manage your cookie settings for each device and browser you use. Doing so, however, may result in diminished performance on the Site. You may opt-out of some information collected by clicking through to the following link: https://tools.google.com/dlpage/gaoptout/.
Web beacons
A web beacon is a small string of software code that represents a graphic image on a website or email. This image is transparent and does not affect how the site is displayed. However, the code attached to the image records interactions to a webpage, for instance when a specific page is visited or when a button or hyperlink is clicked on a page. You cannot turn off these features; however, the tracking capability is dependent of your browser settings. If cookies are disabled, the web beacon cannot interact back with your computer.

Use of Information

The information we collect is used to better serve your needs. We may use your information to verify your identity in order to allow access to your account(s) when you return to our Site, to provide you with personalized offers and promotions about products and services, to optimize your online experience with us.

Advertising on Third Party Websites

We may contract with advertising companies to advertise our products and services on third-party websites and mobile apps. We may use non-personally identifiable information we collect as described above to assist these advertising companies in selecting which of our advertisements and offers may appeal to you. Also, these companies may use cookies and tracking pixels/web beacons to display these advertisements on third-party websites to measure the effectiveness of the ads and understand your interests. The information collected and shared via cookies is anonymous and contains no PII. You may choose to opt-out of the use of third-party marketing cookies through the Network Advertising Initiative. The opt-out choice is valid only for the computer/browser combination used to opt-out. If you delete cookies, buy a new device, access our site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again.

Links to Other Sites

We may provide links to third party sites that we do not own or control. We do not endorse and are not responsible for the products, services or information you may find there. This other site may not follow the same privacy policies and procedures that we do, so please review its policies and procedures carefully.

Security

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws.

Protecting Children’s Privacy Online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not access or use Personal Information through the site. By using our Site and Apps, you affirm that you are over the age of 13. Our Site is directed to a general audience, and may be accessed by the public. The Children’s Online Privacy Protection Act (“COPPA”) protects children under the age 13 from the online collection of personal information. For more information about COPPA, visit the Federal Trade Commission website: http://www.ftc.gov/opa/reporter/privacy/coppa.shtml

Changes to this Notice

This Notice is subject to change at any time and from time to time, at our sole and absolute discretion. It is your sole responsibility to review it periodically. If we modify the Notice, we will post the revised statement here, and indicate the updated revision date at the top on this Notice. Any changes to this Notice will become effective when the revised Notice is posted on the Site. Your use of this Site following these changes constitutes acceptance of the revised Notice.

Changing Your Information

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate or not current, please login to your online banking account to update your information. If you cannot change the information online, or prefer to request changes offline, please use the Contact Us option on our website. You may request changes to be listed on your account statements, records, online or other account materials. You can also speak to your Account Officer directly.
*For your protection, when communicating with us via email, please DO NOT include any confidential information.

WHAT YOU NEED TO KNOW

How you can help protect your identity

blurred business woman walking in office
What is identity theft?
Identity theft occurs when someone uses your personal information to commit fraudulent acts, such as withdrawing money from your account, opening new credit cards or applying for loans or employment.
Common signs of identity theft include:
Unauthorized withdrawals from your account. Bills for unfamiliar debt or failure to receive bills. Suspicious charges on your account. New accounts or loans you didn’t apply for. Being denied credit unexpectedly. The IRS notifying you that more than 1 tax return was filed in your name, or that you have income from an employer you don't work for.

What you need to do:

  • Review your statements for unusual transactions or suspicious charges.
  • Be sure to keep your contact information secure, especially your cellphone number and email address.
  • If you use the BAC Florida Bank My- eBanc Mobile Banking app, allow push alerts and be sure to review and respond to alerts promptly
  • Make the default ID for your internet router unique to you; change the password to make it more difficult for hackers to access your network.

WHAT YOU NEED TO KNOW

How you can help protect your computer

Taking proper precautions helps to make sure your personal and financial information — as well as your identity — remains safe.

What you need to do:

  • Use the administrator login on your home computer only for creating new users and installing software. If you use administrator accounts when browsing the internet, banking or reading email, the risk of malicious code entering your computer without detection is much greater. Create standard user accounts for yourself and everyone in your family to limit your exposure.
  • Only download software or applications from well-known or reputable sources, such as Apple, Google Play or Microsoft. Check the logos, developer names and reviews to spot fake applications. Scammers count on users being too busy to see differences that can make fake software easier to spot.
  • Turn off Wi-Fi and Bluetooth services when you're not using them and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like Virtual Private Network (VPN) software.
  • Back up your data regularly. If you use online or cloud storage, be sure you understand your provider's privacy and security policies, and keep your access codes safe.
  • Use a strong, unique password for each of your accounts. Memorize them and use multi-factor authentication where available.
  • Install any operating system and software updates (sometimes called patches or service packs).

WHAT YOU NEED TO KNOW

How you can help protect your smartphone

Business man looking at phone and taking notes
  • Be sure to keep your contact information current, especially your cellphone number and email address.
  • If you use the BAC Florida Bank/My-eBanc Mobile Banking app, allow push alerts, and be sure to review and respond to alerts promptly.
  • Only download software or applications from well-known or trusted sources. Never click a link from an unknown source or sender.
  • We fully authenticate all our emails. Make sure the email address we have on file for you is not a forwarded email. For example, you might forward email from your college.edu address to your gmail.com account.
  • Install system and software updates - sometimes called patches or service packs.
  • Turn off Wi-Fi and Bluetooth services when you’re not using them, and avoid using public Wi-Fi for financial transactions unless you use a secure, private connection, like Virtual Private Network (VPN) software.
  • Never root or jailbreak your own mobile device to gain access to unofficial applications. This practice may lead to security vulnerabilities and the inability to apply future software updates from the vendor.
  • Review our fraud prevention checklist for more helpful steps.

WHAT YOU NEED TO KNOW

How you can identify and avoid scams

  • We work hard to ensure that any BAC Florida Bank/My eBanc content you’re receiving is truly from BAC Florida Bank/My eBanc
  • We’ll never ask you to send us personal information such as an account number, card PIN or Social Security or Tax ID over text or email. If you do receive a request like this or any other suspicious phishing email, please forward it to us at info@bacflorida.com. We will only reply to your message if we require additional information.

What you need to do:

WHAT YOU NEED TO KNOW

How you can help protect your business

  • There’s a growing type of fraud called business email compromise. Learn about business email compromise on the FBI website.
  • Business identity fraud has become surprisingly common due to easily available business information, including website data, company name and staff rosters.

What you need to do:

  • Minimize the risks by using your work computer for business, checking your domain name regularly and reviewing your business credit report
  • Know your customers’ habits, including their payment amounts, reasons and details. Look out for any significant changes to those habits – they might signal a fraud issue.
  • Ensure all business data is securely and regularly backed up. Test the recovery function of your backup procedures regularly to make sure your data is always retrievable.
  • Develop a plan for cybersecurity and fraud disaster recovery.
  • Engage a trusted advisor to review your security controls and policies on an annual basis, at minimum.

CONTACT US

Need Assistance? Contact our Customer Service Team

HOURS OF OPERATION
M-F 9 a.m. - 5p.m. EST
CALL US
*For your protection, when communicating with us via email, please DO NOT include any confidential information.