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This Agreement governs the use of Harbor Community Bank Online Banking service and is made and entered into by and between Harbor Community Bank ("Bank") and each person who signs the Bank's signature card for the account being accessed, is referenced on the Bank's records as an owner of the account, or each party whose signature appears as a borrower on loan documentation ("Customer"). This Agreement explains the terms and conditions governing the banking services offered through Harbor Community Bank Online Banking. The accounts that may be accessed via Online Banking include only accounts maintained with Harbor Community Bank. Once enrolled in Online Banking, you agree to abide by the terms and conditions of this Agreement. Online Banking will be governed by and interpreted in accordance with all applicable federal laws, regulations, and the laws of the state of Florida. The following rules will apply to the extent there is no applicable federal law or regulation. The terms “we,” “us,” “our,” and “Bank” refer to Harbor Community Bank. “You” refers to each signer on an account. The term “business day” shall mean every day except Saturdays, Sundays, and federal holidays.

Business Days: Banking business days are Monday through Friday, excluding Saturday, Sunday, and federal holidays. You may access account information through Online Banking 24 hours a day, 7 days a week, except for interruptions due to maintenance or matters beyond the Bank's control.

How to Subscribe: To subscribe to Online Banking, you must maintain at least one account with the Bank. Online Banking will allow you to access more than one account, to view account balance(s) and transaction information, transfer funds among designated accounts, send electronic mail to the Bank, and receive electronic mail from the Bank. The Bank reserves the right to deny the Customer the ability to access Online Banking, to limit access or transactions, or to revoke a Customer's access to Online Banking without advance notice to the Customer.

Once you have clicked “I AGREE” below indicating your acceptance of the terms of this Agreement, you will be directed to our Welcome First Time Login screen. Simply follow the instructions and complete the User Information and you will be subscribed.

Harbor Community Bank does not charge for subscribing for Online Banking. You are responsible for paying any fees that may be accessed by your Internet Service Provider and for any telephone charges or fees incurred by accessing Online Banking.

Responsibilities and Liability: The Bank is entitled to act on instructions received through Online Banking under your password and without inquiring into the identity of the person using that password. You should not under any circumstances disclose your password by telephone or to anyone claiming to represent the Bank; Harbor Community Bank employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. The Bank has no responsibility in establishing the identity of any person using your password. If, despite the Bank's advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your password or other means of access will have full access to your account(s) even if you attempt to limit that person's authority. You must contact the Bank immediately in the event that your password has been lost, stolen, or otherwise compromised so that it will not be honored and can be disabled. You hereby release the Bank from any liability and agree not to make any claim or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the actions or transactions to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account, such person is one of the account owners. You agree to indemnify the Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from such claims or actions.

Online Banking and each of your accounts are governed by the applicable Disclosures, Rates, and Fee Schedules provided by the Bank in your new account packet, as each may be modified from time to time. Your initial use of Online Banking indicates your agreement to be bound by this agreement and acknowledges your receipt and understanding of this document.

Account information displayed through Online Banking is current information. Funds transfers between account(s) initiated on your computer using Online Banking and received by 5:45 P.M. EST Monday through Friday will be effective on the current business day. Funds transfers processed on your computer using Online Banking and received after 5:45 P.M. EST Monday through Friday or all day Saturday, Sunday, and banking holidays will be effective the following business day.

The Bank will mail or deliver to you periodic statements for your Bank accounts as disclosed in your deposit agreements. Your statements will include any transfers you authorize through Online Banking. You agree to review your periodic statements in accordance with this Agreement and any other deposit Agreements governing your account for accuracy of all data transmitted through Online Banking. You should promptly notify the Bank of any discrepancies, including but not limited to any errors or inaccuracies related to data transmitted by Online Banking.

Each customer on the account is jointly liable for all transactions initiated through Online Banking, including overdrafts, even if the customer did not participate in the transaction, which resulted in the overdraft.

Some of the terms set forth below are governed by the Electronic Fund Transfers Act ("EFT Act"), which is only applicable to consumers. Commercial account holders are not entitled to the rights provided under the EFT Act.

If you believe unauthorized transactions are being made from your account, please notify the Bank immediately. Contact Harbor Community Bank, 772-403-0275 or write the Bank at: Harbor Community Bank, Deposit Ops, 600 Edwards Rd, Fort Pierce, Florida 34982.

If you feel that any statement is wrong, or you wish to have more information about a transfer listed on a statement contact us in writing or by telephone. We must hear from you within sixty (60) days after we send you the FIRST statement on which the problem or error appeared. Please provide the following information when you contact us:

  • Tell us your name and account number.
  • Describe the error or the transfer you are unsure about and explain as clearly as possible why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you notify us by telephone, we may require that you send us your complaint or question in writing within ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account.

We will tell you the results of our investigation within ten (10) business days after notice of the problem and will correct any error promptly. If we need more time, however, we may take up to ninety (90) days to investigate complaints or questions concerning foreign-initiated transfers, or up to forty-five (45) days to investigate all other electronic transfers. If we need this extended time to investigate, we will provisionally credit your account within ten (10) business days for the amount you think is in error. You will have the use of the money during the time it takes us to complete the investigation. If we decide no error occurred, we will send you a written explanation within three business days after our investigation is completed. You may ask for copies of the documents we used in our investigation.

You shall be responsible for all transfers you authorize through Online Banking. You shall also be responsible for all transactions initiated by persons to whom you have given your password. You must report to the Bank AT ONCE if the password has been lost or stolen. Telephoning is the best way of minimizing possible losses. Failure to notify the Bank could result in the loss of all money in your account plus your maximum line of credit, if you have one. If you report to the Bank within two (2) business days, the loss sustained by you will be no more than $50 if your password is used without your permission. If you do not report to the Bank within two (2) business days after learning of the loss or theft of the password, and the Bank can prove that it could have prevented someone from using the password without your permission had it been notified, you could lose as much as $500. Also, if the statement shows electronic transfers you did not make, report them to the Bank at once. If you do not tell the Bank within 60 days after the statement was mailed, you may lose all of the money transferred after the 60 days if the Bank can prove that it could have prevented the loss had you reported it promptly. The Bank may extend the time periods for a good reason, such as a long trip or hospital stay, which might keep you from notifying the Bank.

The Bank shall be responsible for performing services expressly provided for in this Agreement and shall not be liable for any error or delay so long as the Bank acted in accordance with the terms and conditions hereof. The Bank shall not be liable if you do not have sufficient funds in a designated account to complete the transaction you initiate or if the account is closed. The Bank shall not be liable if you have not given the Bank complete, correct, or current transfer or payment instructions or if you have not followed proper instructions given through Online Banking. The Bank shall not be responsible for any loss, damage, liability, or claim arising directly or indirectly from any error, delay, or failure in performance of any of its obligations hereunder, which is caused by fire or other natural disaster, strike, civil unrest, any inoperability of communications facilities, or any other circumstances beyond the control of the Bank.

Communication: Electronic mail to the Bank via may be delayed; therefore, if you need the Bank to receive information concerning your account immediately, you must contact the Bank in person or by telephone (i.e. stop payments, to report a lost or stolen ATM card, or to report unauthorized use of your account). The Bank shall have a reasonable period of time after receipt to act on requests or information you send by electronic mail.

All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Agreement and any other communication that is important to you.

Electronic Disclosures: This Agreement applies to all communications for those products, services, and accounts offered or accessible through Harbor Community Bank Online Banking that are not otherwise governed by the terms and conditions of an electronic disclosure and consent. PLEASE NOTE: Consenting to receive communications under this Agreement will not automatically enroll you in e-Statements.

You agree that we may provide you with any communications that we may choose to make available in electronic format, to the extent allowed by law, and that we may discontinue sending paper communication to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes but is not limited to:

  • Regulatory disclosures and communications associated with the account or the product or service available through Online Banking for your account.
  • Privacy policies and notices.
  • Monthly (or other periodic) billing or account statements for your account(s) or such other communications that we may include from time to time as part of the enrollment in the e-Statements program (“e-Statements”). NOTE: Your consent to receive electronic communications does not automatically enroll you in e-Statements. You must complete a separate enrollment to stop receiving by US mail paper account statements (and any other types of communications we may include in e-Statements).

All communications that we provide to you in electronic form will be provided either via e-mail or to the extent permissible by law through the Online Banking site.

You may withdraw your consent to receive communications in electronic form by calling us at 772-403-0275 or by contacting your account officer at the nearest Harbor Community Bank branch location. At our option, we may treat your provision of an invalid e-mail address, or the subsequent malfunction of a previously valid e-mail address, as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communications; however, your access and use of Online Banking may be terminated. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.

It is your responsibility to provide us with true, accurate, and complete e-mail address, contact, and other information related to the disclosure and your account(s) and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) through Online Banking by calling us at 772-403-0275 or by contacting your account officer at the nearest Harbor Community Bank branch office.

Hardware and Software Needs: In order to access, view, and retain electronic communications that we make available to you, you must have an e-mail address, a device with access to an Internet browser that supports a minimum of 128 bit encryption, and an online password.

We will not send you a paper copy of any communication which is available electronically from Harbor Community Bank, unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, call us at 772-403-0275 or contact your account officer at the nearest branch location. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically.

You acknowledge by clicking on “I AGREE” that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“Act”) and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means. You also acknowledge that you have the necessary hardware and software to receive electronic disclosure.  

You agree that any information or disclosures or notices supplemental to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including by e-mail to you or by posting on Harbor Community Bank's website at


The Bank has the right to modify or terminate this Agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we terminate this Agreement, no further Online Banking transfers will be made, including but not limited to any payments or transfers scheduled in advance or any preauthorized recurring payments or transfers. If we modify this Agreement, your continued use of Online Banking will constitute your acceptance of such changes in each instance.

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