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Online Banking and Bill Payment

Bank of Coral Gables Online Banking gives you access to any Bank of Coral Gables account in which you are a signer. Simple and easy to use – Online Banking allows you to do your banking 24 hours a day from wherever Internet service is provided. It is one way to make your life and banking more enjoyable: making the most out of technology giving you more time to fill your life with the things you want to be doing.

  • Click here to learn about our Bill Payment service

Below are just a few of the things you can do:

  • View the listing of accounts at Bank of Coral Gables in which you are a signer
  • Look up account balances and loan balances
  • View the current interest rates your products are earning
  • See the interest postings
  • View the last month of transactions
  • View your last statement
  • See your last deposit
  • Search for a transaction or check
  • View a paid check image
  • Make a one-time transfer or setup a recurring transfer
  • Make a loan payment from a Bank of Coral Gables account to a Bank of Coral Gables loan
  • Change your password

To access Online Banking and Bill Payment you’ll need to complete an Online Banking Application. After processing your application we will mail you a welcome letter with your login ID and password. There are several options for getting an Online Banking Application.

  1. Complete the Online Banking Application and Hold Harmless Agreement. Sign and return both documents (PDFs) in person, by mail or fax.
  2. Stop by in person at the bank;
    2295 Galiano Street
    Coral Gables, FL 33134
  3. Mail or fax a signed letter to us requesting that we send you an Online Banking Application to a specific fax number, email address or mailing address.
    FAX: (305) 567-5400 Attention: Operations Department
  4. Give us a call at (305) 500-9501, or send us an email (customerservice@bankofcoralgables.com ) with your name and address (no need to include your account information in the email - we'll make sure you have access to all accounts on which you're a signer). When we receive your request, we'll mail your ID and password to the address we have for you in our records.

Since privacy and security are priorities of Bank of Coral Gables we regret that we cannot give out passwords over the telephone, or as an email reply. While this would certainly be more convenient, it is impossible for us to confirm the identity of everyone who contacts us via phone or the internet.

Once you have your login ID and password you can then login to view your accounts right on our home page of this site. You will be prompted to change your password immediately to one of your choice. This way, not even a banker knows your password. In the case that you forget your new password, you will have to repeat the process with a banker for it to be reset.

There is no cost to you for online banking services. We are providing it for free to thank you for being a customer. You may incur charges not associated with Bank of Coral Gables from your Internet Service Provider (ISP).

Bill Payment

Bill Payment is our On-Line bill payment feature, which is a part of our Online Banking feature. You can easily make payments to third parties (with the federal restrictions of your account type) from checking, money market and savings accounts. Bill Payment is easy to set-up and configure for easy banking month to month. You can avoid missed payments and/or late fees by setting up and scheduling monthly cycles.

Here are some of the features:

  • Set up single payments
  • Set up monthly payments
  • Check payment history

The use of Bill Payment is free from Bank of Coral Gables, but you may have charges from your ISP not associated with Bank of Coral Gables.

Please refer to the Online Banking and Disclosure Statement for more details.

This Agreement describes your rights and obligations as a user of Bank of Coral Gables Online Banking and the rights and obligations of Bank of Coral Gables.

Online Banking Agreement & Disclosure

This Agreement describes your rights and obligations as a user of Bank of Coral Gables Online Banking and the rights and obligations of Bank of Coral Gables.

Definitions

Online Banking is the internet-based service providing access to your account(s) under the terms set forth in this agreement.

Online Account means any Bank of Coral Gables account which you will access using Online Banking.

Password is the code assigned to you by Bank of Coral Gables for use during the initial sign-on, or the code you select after the initial sign-on, that establishes your connection to Online Banking.

Hours

Online Banking is available 24 hours a day, seven days a week, except during special maintenance periods or any unforeseen circumstance. For purposes of transactions, Bank of Coral Gable’s business days are Monday through Friday, excluding holidays as determined by Bank of Coral Gables. All Online Banking transaction requests received after 4:00 p.m. on business days, and all transactions, which are requested on Saturdays, Sundays, or holidays will be processed on the next business day. Bank of Coral Gables business day begins at 8:30 a.m. Eastern Standard Time.

Use of your security password

Bank of Coral Gables will provide you with a Password for use during the initial login, after which you are required to change your Password for security purposes. You determine what Password you will use and the identity of your Password is not communicated to us. You agree that we are authorized to act on instructions received under your Password. You agree not to allow anyone to gain access to the Online Banking or to let anyone know your Password. After three (3) unsuccessful attempts at authorization to use the system, you must contact us to have your Password reset or to obtain a new temporary Password. You agree to assume responsibility for all transactions up to the limits allowed by applicable law.

Lost / Forgotten Passwords

If your Password has been lost or forgotten, call Bank of Coral Gables at (305) 500-9501, between 8:30 a.m. to 5:00 p.m., Monday through Friday. We will then provide you with a new temporary password. For security reasons Passwords will never be provided over the telephone or via email, but will be given in person or be mailed to the account holder on file.

Services

Bank of Coral Gables Online Banking will allow customers to conduct the following transactions:

  1. Account inquiries, balances, rates, etc.
  2. Account transfers
  3. View detailed transactions
  4. Payments to loan accounts
  5. Transaction downloads to Quicken, Money, etc.

Please note that Federal regulations prohibit you from making more than six (6) pre-authorized or automatic transfers or bill payments from your money market account during a given monthly statement period. There are no limits to the number of transfers or payments from your checking account.

Statements:

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

Questions:

If you have any questions regarding Bank of Coral Gables Online Banking, please call us at (305) 500-9501 during business hours, or email us at customerservice@bankofcoralgables.com.

Limit of Bank of Coral Gables responsibility:

Bank of Coral Gables agrees to make reasonable efforts to ensure full performance of our Online Banking. We will be responsible for acting only on those instructions sent through our Online Banking, which are actually received, and cannot assume responsibility for malfunctions in communication facilities not under our control, which may affect the accuracy or timeliness of messages you send. Bank of Coral Gables is not responsible for any losses should you give incorrect instructions, or if your instructions are not given sufficiently in advance to allow for timely payment.

Any information you receive from Bank of Coral Gables is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. Bank of Coral Gables is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information, or for any investment or other decision made using this information.

Bank of Coral Gables will not be responsible for any computer virus, or related problems, which may be attributable to services provided by any Access Service Provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking functions. Bank of Coral Gables will not be responsible for any errors or failures from the malfunction or failure of your hardware or software. The limit of Bank of Coral Gables liability shall be as expressly set forth herein. Under no circumstances will Bank of Coral Gables be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Online Banking, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

Bank of Coral Gables responsibility to our customers:

Bank of Coral Gables will be responsible for your actual losses if they are directly caused by our failure to:

  • Complete an Electronic Funds Transfer as properly requested
  • Cancel an Electronic Funds Transfer as properly requested

However, we will not be responsible for your losses if:

  • Through no fault of Bank of Coral Gables, you do not have enough funds in your account to make the transfer
  • Through no fault of Bank of Coral Gables, the transaction would have caused you to exceed your available credit
  • Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
  • There is a hold on your account, or if access to your account is blocked in accordance with banking policy
  • Your funds are subject to legal process or other encumbrance restricting the transfer
  • Your transfer authorization terminates by operation of law
  • You believe someone has accessed your accounts without your permission and you fail to notify us immediately
  • You have not properly followed the scheduling instructions on how to make a transfer included in this Agreement
  • We have received incomplete or inaccurate information from you regarding the account or transfer
  • We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this Agreement and in other agreement with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

Modifications to this agreement:

Bank of Coral Gables may modify the terms and conditions applicable to the Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on your account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

Inactivity / Termination

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your Online Banking privileges under this Agreement without prior notice to you for any reason; or if you do not pay any fee required by this Agreement when due; if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

We may convert your access to Online Banking to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive (90) ninety day period. If your Service is considered inactive, you must contact us to have the Service activated before you will be able to gain further access.

To cancel Online Banking, you must notify Bank of Coral Gables and provide your name and effective date to stop the service. You may notify us by calling us at (305) 500-9501 during business hours or by writing a letter and sending it to:

Bank of Coral Gables
2295 Galiano Street Coral Gables, FL 33134
Attention: Operations Department

Governing law

This Agreement is governed by the laws of the State of Florida and applicable federal law.

Bill Payment

Streamline your monthly bill paying process and have more time to do the things you want by using the power of technology. Bill Payment is our On-Line bill payment feature, which is a part of our Online Banking feature. You can easily make payments to third parties (with the federal restrictions of your account type) from checking, money market and savings accounts. Bill Payment is easy to set-up and configure for easy banking month to month. You can avoid missed payments and/or late fees by setting up and scheduling monthly cycles, and also find more free time in the process.

Here are some of the features:

  • Set up Single Payments
  • Set up monthly payments
  • Check payment history
  • See visual breakdowns of where dollars are going

The use of Bill Payment is free from Bank of Coral Gables, but you may have charges from your Internet Service Provider (ISP) not associated with Bank of Coral Gables.
Please refer to the Internet Banking and Disclosure Statement for more details.

Personal MasterCard Debit Card

Bank of Coral Gables wants your banking to be convenient as possible, so we have MasterCard Debit Cards for most personal checking accounts. A MasterCard Debit Card allows you to use your checking account at any Point-of-sale location that accepts MasterCard. Instead of being a credit card, however, the money is taken directly from your checking account. Similar to if you had written a standard check. The benefit is that it is accepted wherever MasterCard is accepted and is easier for you. This product is subject to credit approval via an application to Bank of Coral Gables. Please click here for a Personal MasterCard Debit Card application.

The MasterCard Debit card also allows you to withdrawal cash at your convenience from banks all over the world. Bank of Coral Gables participates in the Pulse, Plus, Cirrus and Presto networks, giving your card the power to withdrawal funds globally. Bank of Coral Gables currently offers debit cards for checking accounts at no charge. No charge means that we will not charge a fee per transaction and there is no annual fee for the card. However, you may be charged by another bank's ATM for use of the card. The ATM will give you a prompt before completing your transaction as to what you may be charged by that institution, and you can choose to finish or stop the transaction at that point.

Lost or Stolen Cards
Please call (305) 500-9501 immediately if you think your DEBIT card has been lost or stolen and ask for personal banking.

Contact the bank immediately if your MasterCard Debit/ATM Card or PIN is lost or stolen. An immediate phone call is the best way to reduce any possible losses. Unless you have been grossly negligent or engaged in fraud, MasterCard offers a Zero Liability policy if you report the loss or theft of your card within two (2) business days. This means 100% protection for you, guaranteeing you the maximum protection against fraud, provided, however, you report the loss or theft of your card within two (2) business days of the date such a loss or theft, and provided, further, you have not been grossly negligent or engaged in fraud. If you do not notify the Bank within two (2) business days from the date of the theft or the loss of your card, your liability for ATM transactions is limited to not more than $50.00. If you do not notify the Bank within two (2) business days from the date of the theft or loss, your liability for point-of-sale or signature transactions will not exceed $500.00. If you do not notify the Bank in writing within sixty (60) days following the date of the statement is mailed to you, or in the event that you are either grossly negligent or engaged in fraud, your liability is unlimited.

MasterCard Debit cards are available on personal accounts only.

Error Resolution

Please review your checking account statement carefully. If it lists any Debit Card /ATM transactions you did not make, notify us immediately. If you do not notify us in writing within sixty (60) days after the statement mailing date, where the error first appeared, you may not be reimbursed for the withdrawal. The minimum amount of information in your notification includes your name, account number and a description of the transaction in question. Your transaction description would include the amount, date and a clear explanation of why you believe it is an error or why you need more information. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within 10 business days (20 business days if the error involved a new account) after we hear from you and will correct the error promptly if the transaction involved a point-of-sale transaction or a foreign initiated investigation. If we need more time, however, we may take ninety (90) days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error so that you will have the use of money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written complaint. You may ask for copies of the documentation that we used in our investigation.

For a complete Disclosure and Agreement statement regarding the use of Debit Cards, please contact us at (305) 500-9501.

Safe Deposit Boxes

Safe Deposit Boxes are now available to all Bank of Coral Gables deposit customers (while supplies last). Annuals fees are automatically deducted from your checking or savings account for your convenience.

Sizes & Prizes:

  • 3"x 5"x21"
$ 30.00
  • 3"x10"x21"
$ 60.00
  • 5"x 10"x21"
$ 75.00
  • 10"x10"x21"
$125.00

Vault Hours are the same as normal banking hours. Please arrive at least 15 minutes prior to closing. Please remember to bring 2 forms of identification.

Call us (305) 500-9501 for more information or to reserve a box.

Overdraft Sweep

Overdraft sweep protection is available to our customers, with related deposit transaction accounts, in the event your checking account is overdrawn. Funds are automatically transferred in $100.00 increments from another checking or savings account to cover the overdraft amount. You pay a single sweep transaction fee for the convenience of this service, instead of paying a per item overdraft fee on your checking account.

Simply call or visit a Personal Banker for more information.

Cashiers Checks

Cashiers Checks are available at the teller lines during banking hours. You may be charged a fee at the time of purchase.

A special deposit slip is required to obtain next day availability of cashiers, certified and teller checks. Deposits must be made in person and in the account held by the payee to receive next day availability.

Notary Service

Notary Service is available at no charge to Bank of Coral Gables customers. Please call in advance to be certain an authorized notary is in the building to service your needs.

Wire Transfers

Domestic and International wire services are available.

A $20 fee for outgoing domestic wires and a $50 fee for outgoing foreign wires will be charged to your account.

A $20 fee for incoming domestic wires and a $50 fee for incoming foreign wires will be charged to your account.

All wires are subject to verification and approval.

To arrange for a wire transfer, please call or visit a personal banker.

Direct Deposit

Direct Deposit of your paycheck or Social Security check helps you get your money in use faster. Avoid the inconvenience of depositing a check, or having a check get lost in the mail by having the fund directly deposit electronically.

All you need to do is contact the human resources department of your employer with our routing number (ABA #067015928) and your account number. They can direct the funds electronically into your checking or savings account at Bank of Coral Gables - seamlessly and effortlessly.

For Social Security direct deposit, simply call 1-800-772(SSA)-1213.They will want the routing number (ABA #067015928), account number and account type (checking or savings).

Stop Payments

If you do not want us to pay on a check you have written, you can order us to stop payment on a check for $25.00 per item.

You can notify us by calling a customer service representative at (305) 500-9501 or by mail to Bank of Coral Gables, 2295 Galiano Street, Coral Gables, FL 33134-5323 .

Your stop payment order must include your account number, the number and date of the check, the name of the payee, and the amount. If you request a stop payment via telephone, we will send you a written confirmation of the stop payment and request that you sign and return a copy of the stop payment order to us. Your stop payment order will not be considered final until the signed verification has been returned to us. This must be done within 14 days of your request. We must receive your stop payment order before our stop payment cut-off time, which is 2:00 p.m. on the Business Day the check is presented to us for payment.

We will accept a stop payment order from any account owner regardless of who signed the check. Your stop payment order will be effective for six months. If you want the stop payment order to continue after six months, you must renew it, in writing. A stop payment order will not be effective on a check which we have already paid or certified.

Rights and Procedures for Stop Payments for Electronic Payments.

If you have authorized regular electronic payments out of your account (for example, to pay insurance premiums), you can stop any of these payments. Please note: If you have authorized some company other than Bank of Coral Gables to initiate the payments out of your account, you should notify that company and tell them you are revoking their authority to take payments out of your account.

Here's how:

Tell us the dollar amount of the suspected error. If you tell us orally, we require that you also send us your complaint or question in writing within ten business days. If you are claiming that a transaction was unauthorized, you agree to cooperate with us in our investigation and give us a copy of any police report and an affidavit covering all reasonably related facts and circumstances.

We will determine whether an error occurred within 10* business days after we hear from you and we will correct any error promptly. If we need more time, however, by law we may take up to 45* days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If you fail to give us the required written confirmation of your complaint or question, then we may not credit your account or we may revoke the provisional credit we previously gave to you.

We will tell you the results of our investigation within three business days after completing our investigation. If we determine that there was no error, we will send you a written explanation, and debit your account for any amount that was provisionally credited. You may ask us for copies of the documents we used in our investigation and we will gladly provide them to you.

* These time periods may be extended as follows. The applicable time is 20 business days in place of 10 business days for new accounts if the notice of error involves a transfer to or from the account within the first 30 days your account is open. The applicable time is 90 days in place of 45 days if the notice of error involves a transfer that either: (1) was initiated outside the U.S., (2) resulted from a Point-of-Sale transaction, or (3) occurred within the first 30 days your account is open.

Night Depository

Bank of Coral Gables has a night depository for your use after normal retail location hours. This gives you the ability to deposit checks, cash and coin after business hours. You will be given special bags and keys to these depositories upon request.

Any deposit made through the night depository will be considered deposited on the business day it is received by us in the night depository vault.

Account Research

A Bank of Coral Gables personal banker or operations specialist can help you with past account research or account reconciliation. It does help to sign up for Online Banking so you can see recent past history of your accounts and print it right from your home computer. (See Internet Banking above)

Research fees may be charged for this service. Please contact us at (305) 500-9501 for additional information and a copy of our current Service Fee Schedule.

FDIC

Bank of Coral Gables
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