Security Center


Learn what security tools and techniques are available to you. Also, familiarize yourself with the latest threats that could affect you. Check this page periodically to stay informed and security-minded.

12/14/2009 - False Representation of FDIC-Owned Real Estate Properties for Sale
10/22/2010 - Emails claiming to be from EFTPS on the rise
03/18/2011 - NACHA Phishing Email Alert
07/24/2012 - Example Phishing Email


Guard your Debit Card on the Web with MasterCard® SecureCode™

SecureCode™ is a service from MasterCard and Florida Shores Bank that provides added protection when you buy online. There is no need to get a new MasterCard® debit card - all you do is choose your own personal MasterCard SecureCode. This code will never be shared with any merchant.

How MasterCard SecureCode Works

Once you're registered, it's easy to do your online shopping with the added safety of MasterCard SecureCode. Here's how:

  1. Shop online at participating merchants. Enter your MasterCard debit card number.
  2. A window will appear from Florida Shores Bank asking you for your personal SecureCode, just like the bank does at the ATM.
  3. In seconds, Florida Shores Bank confirms it's you, and allows your purchase to be completed.
    MasterCard Secure Code instruction screenshots

Register today for SecureCode, or view additional details about MasterCard SecureCode.

Using is an effective, time-saving way to manage your accounts. However, the Internet can also present a formidable challenge to keeping your sensitive information protected. One of your first lines of defense is keeping your computer secure.

Consumer Security Tips

  • Create strong passwords. Do not give your passwords to anyone. Do not save passwords on your website or leave written notes with your password near your PC.
  • Keep your operating system, Internet browser, firewall, antivirus, and anti-spyware software up to date.
  • Secure your browser by adjusting its settings, if necessary.
  • Stay informed about potential security threats.
  • If you are using your PC and need to walk away from it for any reason, log off or lock your workstation.
  • If you think your Florida Shores Bank account security has been compromised, contact us immediately.

Create Strong Passwords

  • Use a unique password for each service or site you use.
  • Create original passwords using a combination of numbers, upper and lowercase letters.
  • Choose a meaningful and memorable password that would appear as a random string of characters to another person.
  • Avoid using software or websites that save your passwords.
  • Don’t use the “Remember Me” function when logging on to a website.
  • Change your online account passwords every three months.

Avoid passwords that use:

  • Your Social Security number.
  • Account numbers.
  • Phone numbers or addresses.
  • Birth dates or anniversaries.
  • Names of relatives or pets.
  • Sequences of repeated characters (such as “abcde”, “12345”, or “77777”).

Avoiding Email and Website Fraud

  • Do not use links provided in unsolicited emails that ask for your personal and financial information. The safest route is to access the website by typing the destination into your browser directly.
  • When submitting personal and financial information online, make sure you are using a secure website. A secure website can be identified by a padlock icon in the status bar of your web browser or by an internet address beginning https:// rather than http://.
  • Update your browser and security patches on a regular basis.
  • Check your banking and credit card statements on a regular basis to ensure that there are no unauthorized transactions on your account.
  • Order a copy of your credit report at least once a year to review the information for possible fraud.

If you receive a suspicious email that appears to be from Florida Shores Bank, please call us immediately at (954) 876-2300 to report the information.

To report suspicious email or websites not related to Florida Shores Bank, file a complaint with the Federal Bureau of Investigation or with the Federal Trade Commission.


Identity theft occurs when someone steals your personal information and uses the information to illegally open bank accounts or commit other illegal activity. Identity thieves may steal and use your social security number, driver’s license number, bank account number, credit card number, or other personal information.

Identity thieves use various methods to obtain your personal information, such as:

  • Stealing information from your mail such as credit card information or bank statements.
  • “Dumpster Diving” in your trash to find personal information on items you have thrown away.
  • Stealing your purse or wallet.
  • Posing as a legitimate business and asking you to provide information to “update” your information for their records.
  • Changing your address to divert your mail to another location.

Some signs that you may be the victim of identity theft include:

  • Not receiving expected mail such as a credit card bill or bank statement.
  • Receiving bills from credit cards you did not open.
  • Calls from collection agencies regarding debts that you did not incur.
  • Denial of credit for no apparent reason.

Ways to protect yourself:

  • Do not carry your social security card with you.
  • Carry only those bank/credit cards that you need with you.
  • Do not attach a password or PIN number to any cards you carry with you.
  • Shred all documents containing identifying information, such as your bank and credit card statements.
  • Check your banking and credit card statements on a regular basis to ensure that there are no unauthorized transactions on your account.
  • Do not provide information or account numbers to inquires without confirming the person’s identification and reason for the inquiry.
  • Order a copy of your credit report at least once a year to review the information for possible fraud. These can be ordered through:

What to do if you become a victim:

There are a number of steps that you should take immediately if you become a victim of identity theft.

  • Contact any of the three major credit bureaus mentioned above to place a fraud alert on your credit file.
  • Close any accounts that may have been tempered with.
  • If your Florida Shores Bank information has been compromised contact us at (954) 876-2300 immediately.
  • File a report with the Federal Trade Commission by calling 1-877-438-4338 or visiting
  • If your bank information has been compromised you should also contact the major check verification companies. Ask that retailers who use their databases not accept your checks.
    • TeleCheck                              1-800-710-9898
    • Certegy                                  1-800-437-5120
    • International Check Services 1-800-631-9656