Anywhere ATM means Bank of Central Florida card holders can use their debit card at any ATM machine within the U.S. and the fee will be reimbursed. Simply accept the fee when using an ATM and Bank of Central Florida will reimburse the ATM withdrawal fee for you!
Press YES to accept the fee and continue with your transaction. Bank of Central Florida will reimburse the ATM withdrawal fee for you.
The ATM withdrawal fee reimbursement will show in your account no later than the second business day* after the transaction date.
ATM withdrawal fee reimbursements will show on your account with a description of “ATM SURCHRG REVERSAL.”
During 2017, Bank of Central Florida will be replacing all standard magnetic stripe debit cards with a more secure chip-enabled card. If you do not have a chip-enabled debit card today, you will automatically receive one prior to yearend. Until then, continue to use your standard magnetic stripe card. Please contact your Private Banker or the bank directly if you wish to receive a chip-enabled card sooner.
Only the card image has changed, all of the debit card features and benefits you currently have remain unchanged.
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 card.
It's easy. If the retailer has a chip-enabled terminal, simply insert your card face up - chip forward into the terminal. To authorize your transaction, just follow the prompts on the terminal. Depending on how the merchant terminal is set up, you may or may not be prompted to choose debit or credit. You will be prompted to enter your PIN or to provide a signature depending on the transaction amount. Remove your card from the terminal, as prompted, once the transaction is complete. If you are unsure if a terminal is chip-enabled, simply swipe your card using the magnetic stripe as you normally would. If the terminal is chip-enabled, it will recognize that your card has a chip and prompt you to insert the card. If it is not chip-enabled, the transaction will process as normal. Internet and telephone transactions will work just as they do today.
Yes. If you are traveling internationally, it is advisable to call your Private Banker 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.
Yes. Your card will work at chip-enabled ATMs and at ATMs where only magnetic stripe transactions are accepted.
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.
Chip card technology provides an additional layer of security when used at a chip-enabled terminal. The technology may help reduce certain types of fraud resulting from data breaches; however, it will not prevent a data breach.
No. As the industry continues to develop new ways to protect consumers, criminals continue to look for new ways to commit fraud. Chip cards provide an additional layer of security at chip-enabled terminals, on top of the fraud prevention monitoring we currently provide. As always, your purchases are covered by our zero liability protection, where Bank of Central Florida credits your account for unauthorized activity.
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 card. Once the new card has been activated, please destroy your old card.
Two options are available for activating your 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 Private Banker 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.
Please contact your Private Banker or the bank directly to have your damaged card replaced.
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, reviewing of fraudulent activity and new card issuance. You may also contact your Private Banker or the bank directly.
South Lakeland (Headquarters)
5015 South Florida Ave.,
Lakeland, FL 33813
250 3rd St N.W. #102
Winter Haven, FL 33881
101 South Florida Ave.,
Lakeland, FL 33801
Plant City Commercial
111 S. Palmer St.
Plant City, FL 33563
1000 Legion Place, Suite 1200
Orlando, FL 32801
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving Bank of Central Florida's Web site and linking to a third party site. Please be advised that you will then link to a Web site hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Bank of Central Florida. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Bank of Central Florida assumes no liability for the content, information, security, policies or transactions provided by these other sites.