Privacy & Security

Terms & Conditions


Acceptance of Terms
Welcome to Palm Beach Community Bank’s website (the “Site”). Palm Beach Community Bank (“PBCB”) provides its service to you, subject to the following terms and conditions, which may be updated by us from time to time without notice to you. You can review the most current version of the terms and conditions at any time at By accessing the website you indicate your acceptance of and agreement to these terms and conditions.

Intellectual Property Rights and Use of Information
The website pages, text and images appearing in this website are owned by Palm Beach Community Bank and are intended solely for the personal use of website users. The information and materials may not be copied, displayed, distributed, downloaded, licensed, modified, published, re-posted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes, without the express written permission of Palm Beach Community Bank.

Availability of Products
The products or services described on the Site may not be available in all geographical areas. In addition, you may not be eligible for all the products and services described herein. Your eligibility for particular products and services is subject to PBCB’s determination and acceptance. 

PBCB uses reasonable efforts to include accurate, complete and current information on this Site, however, PBCB does not warrant that the content herein is accurate, complete, current or free of technical or typographical errors. PBCB reserves the right to make changes and updates to any information on the Site without prior notice. It is up to you to verify any information on the Site before relying on it. PBCB reserves the right to terminate any or all web offerings without prior notice.

Palm Beach Community Bank is strongly committed to protecting the security and confidentiality of our customer account information. PBCB transmits data using SSL (Secure Socket Layer) technology that supports 128-bit key encryption. It is important to verify that a secure connection between your browser and the Internet Banking server has been established before transmitting any confidential account information over the Internet. An indicator on your web browser can verify this. Netscape Navigator has a key symbol in the lower left corner of the screen. When this key appears “solid” transmitted data is being encrypted. Similarly, Microsoft Internet Explorer has a lock symbol. When this symbol appears “locked”, data is being encrypted. 

PBCB’s Internet Banking web server connects to the Internet through a firewall. All accesses from outside the bank must go through this firewall, which screens the requests and allows only valid http traffic to reach the server. As an additional security measure to our customers, PBCB has an Intrusion Detection System that monitors any attempted unauthorized hacks or logins to our systems.

You must have a valid Access ID and Password to logon. Your account numbers are never displayed in full – only the last 4 digits can be viewed. If no action is taken for 10 minutes while logged on to your account, you will be automatically logged off to online banking. In addition, your online account will be disabled if the allowed number of login attempts is surpassed. 

You agree not to give out your identifying information such as your Access ID or Password to any other person. PBCB may rely on your Access ID to identify you when providing banking services to you. Never leave your PC unattended while using PBCBlink. Be sure to always exit the system by clicking on EXIT after using PBCBlink and notify PBCB at (561) 681-7200 immediately if you suspect that your Access ID or Password has become known to any unauthorized person. 

Electronic messages sent and received via the “Contact Us” option after your Access ID and Password have been accepted by PBCB and your browser shows that a secure connection has been established are secure. Communications sent over the public Internet are not necessarily secure. Therefore, we will not send and we strongly suggest that you do not send any confidential account information unless using the electronic communication options provided in our Customer Service section. You agree that we may take a reasonable time to act on any email. Please contact Customer Service at (561) 681-7200 for expeditious handling of requests.

A personal computer, (Equipment), Web Browser software, and an Internet access account (collectively, Software) are required to access Online Banking.

Except as herein otherwise provided, identified accounts are PBCB personal or non-personal accounts that have been elected by the customer for addition to Online Banking. They can be comprised of the following account types: checking, savings, loan products and certificate of deposits. 

To have access to Online Banking, you must be an authorized user of the Software you select, if required, for use with the Equipment. You must also have at least one Identified Account with us. ALL IDENTIFIED ACCOUNTS HAVING THE SAME AUTHORIZED SIGNORS ARE ACCESSIBLE TO ALL SIGNORS WHO CAN ACCESS ANY ONE OF THESE ACCOUNTS USING ONLINE BANKING. If you have more than one loan or deposit account with the same authorized signors, they can be added to your Online Banking access if you request it. 

During your enrollment for Online Banking, you will be required to determine a unique Access ID and password. Use of the Access ID and password is the required security procedure to access Online Banking through any Equipment. By use of the Online Banking product, you agree that this is a satisfactory and acceptable security method. You agree to keep your Access ID and password confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of Online Banking. 

You will be required to provide an access ID and password. You may obtain an account summary, interim statements and other certain information about your Identified Account(s) at the Online Banking site. 

You may use your computer to transfer funds among any of your Identified Account(s) which have the same primary social security or TIN. Transfers made after 6:00 PM Eastern Time on a business day will be processed on the next business day. 

You may be required to provide your access ID and your password to access Bill Pay. You may use Bill Pay to make current, future and recurring payments from any checking account elected as an Identified Account. Using the Bill Pay service, you may only pay established payees with United States Postal Service addresses. While payments to most payees can be made using the Bill Pay service, we reserve the right to refuse to make payments to certain payees, such as for alimony, child support, tax and other court or government directed payments, fines or penalties. It is unlawful to use this system to transfer money to any person or organization listed in the Office of Foreign Asset Control's Specially Designated Nationals list.

You must allow at least five (five) business days, prior to the due date, for each bill payment (recurring or variable) to reach the merchant. (It is the responsibility of the subscriber to schedule/activate recurring payments.) Due to circumstances beyond our control, some merchants take longer to post payments than others. We suggest sending your first payment eight (8) days in advance of the due date. After the first payment has posted, you will have a better understanding of how much time to allow for each payee.

If you wish to stop payment on a Bill Pay transaction you previously authorized, contact Bill Pay Customer Service at (888) 673-2373. They must receive your request three (3) business days or more before the payment is scheduled to be made. If you call, they may require you to confirm your request in writing, which must be received by them within 14 days after you call. 

You may download your identified account information into your Quicken or QuickBooks software. All that you will be required to provide is your access ID and your password to access your account information. 

When anyone having access to your Online Banking accounts has entered and transmitted a payment instruction, you authorize us, or our agent, to reduce the balance in your Identified Account accordingly. If there are insufficient funds in your Identified Account to make payments you have authorized, we may either refuse to pay the item or we make the payment and thereby overdraw your Identified Account. In either event, you are responsible for any non-sufficient funds (NSF) and overdraft charges Bank may impose, as stated in the Palm Beach Community Bank’s Miscellaneous Fee Schedule. 

You may experience inconsistent or delayed balance information as a result of transaction posting times. 

If you do not log on to Online Banking for 90 days, we may cancel this agreement.

You will be mailed periodic statements for your Identified Account(s) as scheduled in the depositor agreements. In addition to reflecting your other account activity, your statements will include any transfers or Bill Pay transactions you authorize using Online Banking. Unauthorized transactions appearing on those statements shall be reported as provided in your deposit agreement for the account from which the unauthorized transaction occurred.

Our business days are Monday through Friday except federal bank holidays. 

An employee will be available to assist you with any Online Banking or Bill Pay issues business days between the hours of 9:00 AM to 5:00 PM Eastern Time. Although Bill Pay transactions and account transfers can be processed only on business days, you can access Online Banking and Bill Pay 24 hours everyday, except during scheduled maintenance periods.

You are responsible for all transfers and Bill Pay transactions you authorize using the Online Banking or Bill Pay. If you permit other persons access to your Online Banking account with your access ID and password, you are responsible for any transactions they authorize from your Identified Accounts. If you believe your user ID/password has become known by an unauthorized person, or that someone has transferred money without your permission, contact us immediately by calling (561) 681-7200 or write us at Palm Beach Community Bank, P. O. Box 21409, West Palm Beach, FL 33416-1409. 

We, or our Service Provider, are responsible for completing fund transfers and Bill Pay transactions from your Identified Account(s) on time according to your properly entered and transmitted instructions. However, neither we nor the Service Provider will be liable: 

  • If you do not have adequate money in a deposit account to complete a transaction from the account, or if that account has been closed; 
  • If you have not properly followed Online Banking or Bill Pay instructions on how to process a transfer or bill payment; 
  • If you have not given complete, correct and current instructions so that a transfer or Bill Pay transaction can be processed; 
  • If you do not authorize a Bill Pay transaction 10 days prior to the due date; 
  • If a timely Bill Pay transaction is processed but the payee nevertheless does not credit your payment promptly after receipt; 
  • If withdrawals from any Identified Accounts have been prohibited by a court order such as a garnishment or other legal process; 
  • If we or our Service Provider reasonably believes that a transaction may be unauthorized and based thereon the transaction is not completed; 
  • If Equipment and/or Software were not working properly and this problem should have been apparent to you when you attempted to authorize a transfer or Bill Pay transaction;
  • If circumstances beyond our, or our Service Provider's, control prevent the processing of a transfer or Bill Pay transaction, despite reasonable precautions that we have taken. Such circumstances include but are not limited to computer failure, telecommunication outages, postal strikes and other labor unrest, delays caused by payees, fires, floods, and other natural disasters. 


(Disregard if you have a Commercial Account)

In case of errors or questions about Online Banking funds transfers, Bill Pay transactions, or other electronic transfers initiated from your Online Banking account(s), contact us immediately. You can telephone us at (561) 681-7200, or write us at Palm Beach Community Bank, P. O. Box 21409, West Palm Beach, FL 33416-1409. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.
    If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

We may disclose information to third parties about your account or the payments or transfers you make:

  • When necessary for verifying or completing payments or transfers, or to resolve a problem related to a payment or transfer;
  • To verify the existence and status of your account for a third party such as a credit bureau or merchant;
  • At PBCB’s discretion, to any of our subsidiaries or affiliates;
  • If you give us your written (including electronic message) permission; or
  • As otherwise permitted or required in PBCB’s Deposit Agreement and Disclosures or other applicable agreements, or by law or government regulations.

The loss, theft or unauthorized use of your Access ID or your password could cause you to lose all of the money in your account, plus any amount available under your overdraft protection. By use of Online Banking for an Identified Account you are to assume all risks and losses associated with the disclosure of your Access ID or password to other persons. 

Each party will bear the liability or the risk of any error or loss of data, information, transactions or other losses, which may be due to the failure of their respective computer system or third party communications provider on which each party may rely. We shall have no liability to you for any damage or other loss, direct or consequential, which you may incur by reason of your use of your computer system. 

System maintenance may be performed on a regular basis that could result in interrupted service or errors. We also may need to change the scope of Online Banking from time to time. We will attempt to provide prior notice of such interruptions and changes, but cannot guarantee that such notice will be provided. 

You agree that our liability for viruses, worms, Trojan horses, or other similar harmful components that may enter your computer system by downloading information, software, or other materials from our site shall be limited to the reasonable cost of replacing the lost software or other materials. We will not be responsible or liable for any indirect, incidental or consequential damages, which may result from such harmful components. 

We suggest that you routinely scan your PC using a reliable virus product to detect and remove any viruses found. An undetected or unrepaired virus may corrupt and destroy your programs, files and even your hardware.

Links to third party websites on the Site are provided solely as a feature to you. PBCB has no control over such sites, and does not endorse or make any representations about them, or any information, products or materials found therein or any results that may be obtained from them. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms and other items of a destructive nature. You acknowledge and agree that PBCB bears no responsibility for the availability of, authenticity of, context, advertising, products, or other materials on or available from such sites. If you decide to access such sites, you do so entirely at your own risk.

We acknowledge that (1) all loan and deposit accounts maintained by you under the same group of Identified Accounts may be accessed by anyone who has that access ID and password unless the account is blocked from Online Banking, (2) that, if the signers on deposit accounts accessible through Online Banking are different, anyone having access can transfer money from one account to another and access such money from any account on which such person is an authorized signer, and (3) anyone having access to your Identified Accounts can make transfers from that account even though such person is not an authorized signer on such account. By your use of the Online Banking product, you agree to release us from any and all liability for the use of Online Banking as described above, whether or not such use is authorized, and to hold us harmless from and indemnify us against any loss or damage, including attorney's fees arising from such use. Further and in no event will we, or any of our officers, directors, employees, or agents be liable to you for any consequential, incidental or indirect damages arising out of the use, misuse or inability to use Online Banking, or for any loss of any data, even if we have been informed of the possibility of such damages. 


We share customer transaction and experience information within Palm Beach Community Bank through a central information system. Certain account and transaction information is shared with the Online Banking and Bill Pay service providers. No other outside party receives this information with the exception of credit reporting agencies.

In order to maintain secure communications and reduce fraud, you agree to protect the security of your Access ID and password or other means of identification. We reserve the right to block access to Online Banking to maintain or restore security to our website and systems, if we reasonably believe your access codes have been or may be obtained or are being used or may be used by an unauthorized person(s). 

If any provision of this Agreement is void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in another jurisdiction or any other provision in that or any other jurisdiction. 

This Agreement shall be governed by and interpreted under Florida and federal laws. 

When any payment or other online service generates items to be charged to your account, you agree that we may debit your designated Identified Account or the account on which the item is drawn without requiring your signature on the item and without prior notice to you. 

We may amend this agreement (including changes in its fees and charges hereunder) by giving notice to you at least 30 days before the effective date of the amendment, provided however any change or amendment required by law or applicable regulation shall be effective sooner than the 30 day period if required by such law or regulation. Your continued use of Online Banking is your agreement to the amendment(s). 

We may waive any term or provision of this agreement at any time or from time to time, but any such waiver shall not be deemed a waiver of the term or provision in the future. 

We may assign the rights and delegate the duties under this Agreement to a company affiliated with us or to any other party. 

Except as provided under Inactivity, either you or we may terminate this agreement and any service provided hereunder at any time upon giving at least ten (10) business days prior written notice of termination to the other party. If you terminate the Bill Pay service, you authorize us to continue making fund transfers, bill payments or other transactions you have previously authorized until we have a reasonable opportunity to act upon your termination notice as provided in 5(b) above. Once we have acted upon your termination notice, we will make no further transfers, payments or other transactions from your Identified Account, including any fund transfers or bill payments you have previously authorized. We reserve the right to terminate or to discontinue support of any software or equipment without written notice. 

This Agreement is the entire agreement between you and us and it supersedes any marketing or other similar material pertaining to Online Banking delivered to you in writing, verbally or obtained at our site or the site of an Internet Service Provider.


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