First Florida Integrity Bank Security Statement

Electronic Account Transactions

All First Florida Integrity Bank’s online account transactions are submitted to the Bank's secure Electronic Banking site using sophisticated industry-approved encryption that comply with state and federal laws and regulations. The Electronic Banking System features password controlled system entry, Secure Sockets Layer (SSL) protocol for data encryption, and sophisticated routers with a firewall device to regulate approved access traffic in and out of the servers.

Verifying User Authenticity

To start a session with the Bank's server the user must key in a USER ID and a password. The Electronic Banking System allows 3 attempts for a valid login of the system before disabling the USER ID. After three unsuccessful consecutive login attempts, the system locks the user out, requiring either user initiated password reset, or a phone call to the bank to reset the password before re-entry into the system. Upon successful login the system authenticates the user's identity and establishes a secure session with that user.

Secure Data Transfer

Once the server session is established; the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure sever by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests 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, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic coming to the server and then opens holes only when necessary to process acceptable data requests, such as retrieving Web pages or sending customer requests to the Bank.

Using the above technologies, your Electronic Banking transactions are secure.

I.D. Theft

First Florida Integrity Bank is serious about our consumers security and privacy. To help you be informed the link below will connect you directly to the Federal Trade Commission’s “Avoid ID Theft: Deter, Detect, Defend” Web site.

This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help anyone deter, detect, and defend against identity theft. On this site, you can also learn how to avoid identity theft - and learn what to do if your identity is stolen.

Click here to access the FTC website

Safe Internet Banking

Tips for Safe Banking Over the Internet As use of the Internet continues to expand, more banks and thrifts are using the Web to offer products and services or otherwise enhance communications with consumers.

The Internet offers the potential for safe, convenient new ways to shop for financial services and conduct banking business, any day, any time. However, safe banking online involves making good choices - decisions that will help you avoid costly surprises or even scams.

This information and tips is to help you if you are thinking about or already using online banking systems. We will tell you how to:

  • Confirm that an online bank is legitimate and that your deposits are insured
  • Keep your personal information private and secure
  • Understand your rights as a consumer
  • Learn where to go for more assistance from banking regulators


Confirm that an Online Bank Is Legitimate and that Your Deposits Are Insured

Whether you are selecting a traditional bank or an online bank that has no physical offices, it’s wise to make sure that it is legitimate and that your deposits are federally insured. Here are tips specifically designed for consumers considering banking over the Internet:

Read key information about the bank posted on its Web site.

Most bank Web sites have an "About Us" section or something similar that describes the institution. You may find a brief history of the bank, the official name and address of the bank’s headquarters, and information about its insurance coverage from the FDIC.

Protect yourself from fraudulent Web sites.

For example, watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as, that of a real financial institution. The intent is to lure you into clicking onto their Web site and giving them your personal information, such as your account number and password. Always check to see that you have typed the correct Web site address for your bank before conducting a transaction.


Don't Be an On-line Victim: How to Guard Against Internet Thieves and Electronic Scams

Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves from identity theft. The presentation provides information on steps consumers should take to secure their computer and protect themselves from identity theft, as well as actions consumers should take if they become a victim of identity theft. Go to the Don't be an online victim video

For the latest information regarding internet crime and protection please visit these sites:

To report internet fraud that does not pertain to your account or access at First Florida Integrity Bank, please go to:

Security Controls that First Florida Integrity Bank Provides for your Online Account Transactions

1. Enables alerts to customers on unusual online account activity.

2. Offers secure tokens to all users.

3. Security monitoring of online transactions for anomalies.

4. Provides multi factor authentication

5. Out of band token/pin delivery, possibly via SMS, or automated phone calls.

6. Uses out-of-wallet security questions for online account access.

For information regarding non consumer accounts and corporate takeover information, please contact us at or call 877-763-0244 for a user id and password to access our eCommercial Security Awareness Training.

Protections Provided for Electronic Funds Transfers under Regulation E

Regulation E and the federal Electronic Fund Transfer Act afford protections only to individual consumers and do not include business/commercial organizations. Any protection from fraudulent ACH or wire transactions in your institution's accounts would be addressed in our financial institution’s deposit account contract and/or state laws. By far the best protection against such fraud is careful attention to safe computing practices, use of dual control features and other practices such as reviewing daily transactions in the account.

According to the Bureau of Consumer Financial Protection- 12 CFR, Chapter X, Part 1005 Electronic Fund Transfers) Sections 1-20, the primary objective of Regulation E is to protect individual consumers engaging in electronic fund transfers (EFT). Regulation E, under the Electronic Fund Transfer Act, provides a framework that establishes the rights, liabilities, and responsibilities of those participating in EFT such as ATM transfers, bill payment services, point-of-sale transfers in stores, and preauthorized transfers including direct deposit and Social Security payments. Regulation E covers an individual consumer who authorizes a financial institution to electronically transfer funds to debit or credit his/her account.

Under Regulation E, a consumer is not responsible for any unauthorized EFT involving the consumer’s account only if they have complied with the disclosed requirements, including timely notification to the bank of the unauthorized transfers as follows:

(1) Timely notice given. If the consumer notifies the Bank within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the Bank.

(2) Timely notice not given. If the consumer fails to notify the Bank within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $500 or the sum of: (i) $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less; and (ii) The amount of unauthorized transfers that occur after the close of two business days and before notice to the Bank, provided the Bank establishes that these transfers would not have occurred had the consumer notified the institution within that two-day period.

(3) Periodic statement; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the Bank’s transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the Bank, and that the Bank establishes would not have occurred had the consumer notified the Bank within the 60-day period.

First Florida Integrity Bank Contact Information

Please contact us for any questions regarding your online banking account:

Phone: 877-763-0244


If you suspect a breach and need immediate assistance call the following phone number: