Online Security

Atlantic Community Bank takes online banking security seriously, utilizing some of the most advanced monitoring and encryption software systems available today. As the threat of cyber crime increases every year, it is important to have protective features in place, implemented, and reviewed with a plan of response should suspicious or unauthorized activity occur. This can include the use of multi-factor authentication or challenge questions and out of band verification or verbal confirmation of an unusual or suspicious event. In addition, account numbers are not visible in online banking. A "Pseudo Name" is used in place of an account number to maximize the security of your online banking experience. 

System Security Software

Atlantic Community Bank Online Banking is accessed through a Secure Socket Layer (or SSL). This means all data transmitted to or from Atlantic Community Bank’s computer systems are encrypted using the most sophisticated security available in order to protect your money and your privacy. Several firewalls exist to prevent unauthorized access to the system and to ensure your information is accessible only by the use of a correct Online Banking ID and Online Banking Password. 

Email Safety

Atlantic Community Bank will never solicit information such as social security numbers, account numbers, credit card numbers, passwords, etc by means of email. If you receive an email requesting confidential information from someone claiming to represent Atlantic Community Bank, do not respond to the email. Please call (843) 815-7111 to report any solicitation of this kind that you receive. 

Your Role in Security

  • Choose a strong password that is known only to yourself and, if necessary, kept in a secure location. If you suspect that your password may have been compromised, change it immediately online and contact us at (843) 815-7111
  • Change your Online Banking ID and Password as often as you wish, however the system will require a password change every 6 months.
  • Keep anti-virus software up to date.
  • Never leave your computer unattended during an Online Banking session - click on "exit" to end the session. 
  • Once you have finished conducting your banking online, always sign off before visiting other Internet sites.
  • If anyone else has access to your computer, clear your browser's cache in order to eliminate copies of Web pages that have been stored on your hard drive. 
  • Avoid using Public Internet Access Terminals when conducting your Online Banking. 


Phishing is a form of Internet fraud that aims to steal valuable information such as debit or credit card numbers, user IDs and passwords. A fake web site is created to look similar to that of a legitimate organization, typically a financial institution such as a bank or insurance company. An email or SMS is sent requesting that the recipient access the face web site and enter their personal details, including security access codes. The page looks genuine but users entering information are inadvertently sending their information to the fraudster.

Viruses and Trojans

Viruses and Trojans are harmful programs that can be loaded onto your computer without your knowledge. The goal of these programs may be to obtain information, hinder the performance of your computer, or flood you with advertising. Viruses spread by infecting computers and then replicating. Trojans appear as genuine applications and then embed themselves into a computer to monitor activity and collect information.

Using a firewall and maintaining current virus protection software can help minimize your chances of getting viruses and inadvertently downloading Trojans.

Card Skimming

Card skimming is the illegal copying and capture of magnetic stripe and PIN data on credit and debit cards. Skimming can occur at any ATM or merchant point of sale processor. Captured card and PIN details are encoded onto a counterfeit card and used to make fraudulent account withdrawals and transactions. Fraudsters can attach false casings and PIN pad overlay devices onto genuine existing ATMs, or they can attach a camouflaged skimming device onto a card reader entry used in tandem with a concealed camera to capture and record PIN entry details.

Spyware and Adware

When clicking on pop-up advertisements – ones that “pop up” in a separate browser window – it’s possible you are also downloading “spyware” or “adware”. These programs often come bundled with free programs, applications or services you may download from the Internet. Spyware or Adware software covertly gathers your user information and monitors your Internet activity, usually for advertising purposes.

Be cautious about clicking on Internet banners and pop-ups or downloading free programs. Maintain current security software to detect and remove spyware.

Online Banking Lock-Out

Three (3) unsuccessful attempts will lock out the User from accessing their account. If a user becomes locked out, they must call a Community Banking Specialist at (843) 815-7111. 

Important Note: While we continue to do everything possible to ensure the security of our system, we are not responsible for any breach of security that is outside of our control. We strongly recommend keeping passwords secure and anti-virus software up to date.

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