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Be on the lookout for phishing emails that appear to come from Atlantic Coast Bank. These fraudulent emails may tell you to update or confirm your account information as a result of a security update, technology upgrade, or routine maintenance.

Atlantic Coast Bank will never trade, rent, or sell your personal information – including email addresses – to anyone. For more information on our privacy policy, visit our Privacy section on this Atlantic Coast Bank Web site.

Types of Fraud

Criminals use fraudulent emails (known as phishes) or pop-up Web pages that appear legitimate and are designed to deceive you into sharing personal or account information. The phishes often include logos of legitimate companies, content from their Web sites, and names of real employees.

Many scammers randomly generate email addresses – that’s why you may have received fraudulent emails that appear to be from banks you do not have an account with. They may also obtain email addresses online from Web pages, chat rooms, online auctions, directories or other sources.

Remember, Atlantic Coast Bank will never send unsolicited emails asking clients to provide, update, or verify personal or account information, such as passwords, Social Security numbers, PINs, credit or Check Card numbers, or other confidential information.

Pharming occurs when you type in a Web address and it redirects you to a fraudulent Web site without your knowledge or consent. The Web site will try and look similar to the legitimate site in hopes of capturing your confidential information.

Credit Card Fraud
Credit Card fraud can occur when someone takes your card and uses it without your consent. It can also happen when the card sits safely in your wallet.

Phone Solicitations
Scammers will attempt to randomly call people with hopes to lure them with cash gifts or prizes in exchange for personal or account information.

Print Fraud
Scammers will use local and community newspapers publishing fake advertisements with special rates and offers. If clients call, they are asked for their personal information and for an advance payment before the transaction can be completed.

Check Scams
Scammers will overpay for an item purchased and ask the difference to be wired back. Most times the check was counterfeit or forged for a higher amount.

Mail Fraud
Mail fraud occurs when scammers illegally intercept your mail or when you receive unrealistic offers.

Examples of Fraud

The following are examples of fraud that have occurred at other institutions. We’ve categorized the scams by their subject matter and content. This page will be updated frequently. Please visit this page often to learn about the latest alerts or any that may have been perpetrated using the Atlantic Coast Bank name.

Phone Scam
Scammers can call clients stating they are Atlantic Coast Bank employees in the Bank Security department. Scammers claim clients’ accounts have been compromised and in order to “secure” their accounts, clients need to provide them with information about their accounts. If you have concerns about your account, please contact an Atlantic Coast Bank Customer Care representative at 800.342.2824.

Sweepstakes or Lotteries
Please beware of other lottery scams – especially those that originate from foreign countries. Letters notifying you that you’ve won a lottery or sweepstakes may require you to send money to secure your winnings. These “official” notices sometimes include fake checks. These notifications and checks are fraudulent.

Phishing emails
Take care when clicking on links within emails – phishing emails may appear to be from legitimate companies. See examples above.

Notification of Changed Email Address or Password
An example would be a fraudulent email notifying clients of changes to their email addresses or passwords. The emails include statements such as: “Thank you for banking online at Our records indicate that you recently added or made a change to one of your email address(es). This notification is to confirm that you initiated this change. If you feel you have received this email in error and did not add or change your email address(es), please click here.” This email is not from Atlantic Coast Bank and is fraudulent. Users should not click on the link in these emails; the link may take them to a phishing site or could download spyware to their computers.

System/Technical Updates
A fraudulent email could mention “system”, “technical”, or “technology” updates at Atlantic Coast Bank. For example, an email tells clients that there may have been a “regular update and verification” to their Online Banking accounts, and that they need to verify their information. Clients are warned that their access to Online Banking will be limited if they do not respond.

Phone Solicitations
“Gift of $10,000 cash.” The caller tells clients that they’ve won a gift of $10,000. Clients are asked to confirm their account and routing numbers so that the money can be transferred to their accounts by wire.

Clients receive a voice mail and are asked to verify possible fraudulent activities on their cards. The voice mail includes bogus phone numbers for clients to call.

How To Report Fraud

  • If you believe you have provided personal or account information in response to a fraudulent email, Web site, or phone call, immediately contact an Atlantic Coast bank Customer Care representative at 800.342.2824 or your local branch representative in FL or GA.
  • To report a suspicious email, Web page, or phone call, forward information about the email or Web page to (This is only for reporting suspicious types of contact.  If you have fallen victim to one of these methods, please use the phone number above.)

Protect Yourself From Fraud

At Atlantic Coast Bank, the protection of all your assets – including your identity – is our top priority. We have a number of safety measures in place to help protect you, including industry-standard technologies on our Web site and teams dedicated to fighting fraud and identity theft. You can depend on us to safeguard your personal and financial information.

There are many things you can do to help secure your identity and your accounts. Here are some tips to follow.

Identity Theft

  • Don’t include your Social Security number or driver’s license number on sensitive documents.
  • Don’t leave incoming mail lying around.
  • Drop your mail in an official postal mailbox.
  • Shred or destroy any junk mail before you throw it away.
  • Don’t respond to unsolicited requests for personal or account information.
  • Use a safe deposit box to protect important documents.
  • Review your credit report at least once a year.
  • For more information about ordering free credit reports, go to the special Web site established by the three credit bureaus at or call 877.322.8228.


Online Fraud

  • Look beyond the logo. To make fraudulent emails or Web sites appear real, scammers often include actual logos and images of legitimate companies. They also convey a sense of urgency, stating that if you fail to provide, update, or verify your personal or account information, access to your accounts will be suspended. It’s important that you look beyond the logo and not give out your information.
  • Use your spam filter. Many email services now have spam filters that minimize the amount of spam you receive. The filters can help you minimize the number of fraudulent emails in your inbox.
  • Type, don’t click. Even if you do open a suspicious email, don’t click on any links. By clicking on the links, you could unknowingly download a virus or spyware to your computer. Even if you think the email is legitimate, type Web addresses into your browser instead of clicking on links. If the email is from an institution you do business with, use a bookmark that you’ve already created to visit the company’s Web site.
  • Change your online passwords often. The rule of thumb is to change your password every 30 to 60 days. Be creative with your passwords – stay away from obvious passwords like your ZIP code, year of birth, or sensitive information such as your mother’s maiden name or your Social Security number. Include numbers and letters so passwords can’t be easily intercepted or guessed by others.
  • Update your anti-virus and anti-spam software. By keeping anti-virus and anti-spam software up to date on your computers, you make it more difficult for scammers to access your personal and account information. You can purchase anti-virus and anti-spyware software at major retail stores, as well as on the Internet.
  • Delete emails from unknown senders. 

Credit Card Fraud

  • Sign your cards immediately once they arrive in the mail.
  • Memorize your PIN and don’t write it on anything.
  • Don’t enter your card online unless you’re on a secure site. Don’t send your credit card number in the mail.
  • Keep a record of all your account numbers, expiration dates, and contact information for each issuer. This will come in handy if your wallet is lost or stolen.
  • Report a lost or stolen card right away. Quick action will minimize potential loss and liability.
  • Save your receipts to compare against your billing statement. When discarding receipts, tear them up or shred them.
  • Monitor your statements monthly, making sure you recognize all charges. If you see any suspicious transactions, contact your bank immediately.
  • Carefully review receipts for voided transactions and be sure they do not post to your account.
  • Destroy your carbons. Do not leave them behind without tearing them up.
  • Don’t leave your purse, wallet, cards, or receipts unattended. Always keep them secure or in your sight.
  • Only carry cards that you need; leave others in a safe place at home.
  • Don’t give out your account number unless you know and trust the company.
  • Shield your hand from view of others when entering your PIN at ATMs.

Telephone solicitations

  • Register your home and cellular phone numbers with the National Do Not Call Registry  or call 888.382.1222 to prohibit telemarketers from calling you.
  • Use caution when disclosing personal information.

Print Fraud

  • Do your homework. If you see an advertisement for a loan or mortgage, make sure that it is legitimate. If it sounds too good to be true, it probably is.
  • Check out the source through the Better Business Bureau. 

Check Scams

  • Use Direct Deposit for paychecks, Social Security payments, and other regular deposits.
  • Be aware of fake check scams that promise easy money for working at home, winning sweepstakes, or depositing checks from foreign countries.
  • Do not leave your checkbook unattended.
  • Know who you are doing business with.
  • Report lost or stolen checks immediately to Atlantic Coast Bank by calling 800.342.2824.
  • Transition any compromised accounts to new Atlantic Coast Bank accounts and report the incident to these check verification companies:
    • Telecheck 800.710.9898
    • Certegy 800.437.5120

Mail Fraud

  • Shred documents containing your personal and financial information before placing them in the trash.
  • Report any unauthorized transactions to 800.342.2824 immediately.

Loan Fraud

  • Notify the lender immediately if you receive a call, confirmation, or decline letter on a loan that you did not apply for. You could be a victim of identity theft.
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Atlantic Coast Bank routing number: 261271717

Lost or stolen cards
During business hours: Call 1-800-342-2824; option 5
After hours: Call 1-800-342-2824; option 3, then option 1

©2017 Atlantic Coast Bank