At Sanibel Captiva Community Bank, we work hard to protect you from fraud.

Your transactions are absolutely safe. Sanibel Captiva Community Bank works with cutting edge technology partners to ensure that the most secure environment is made possible for our valued customers. We offer you worry free Online Banking. You can be completely confident of the following security measures:
Secure Communications
Our system ensures that data exchanged between your PC and our computers is encrypted with 128-bit encryption-the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL) which utilize mathematical formulas to “encrypt” or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. The most popular browsers have the SSL security feature built in.
Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a “firewall.” A firewall is a combination of software and hardware products that designate parameters, control and limit the access that outside computers have to the Bank’s internal network and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.
Secure Login
User ID’s and passwords are isolated from the Internet by being stored on a secure computer. This way the passwords and IDs can never be accessed or downloaded by anyone on the Internet. Additionally, user passwords can vary from six to eight characters, which means the chance of randomly guessing a password is less than one in 1 billion! The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the “hacker” from gaining access to our system thus protecting your accounts.
Your Password
You will be responsible for maintaining one of the most important security measures, your password. When you receive your Sanibel Captiva Community Bank Online Banking password, be sure to keep it a secret. Memorize it, or write it down and keep it in a safe place. It is not recommended you carry your password in your purse or wallet. Make sure no one watches you enter your password and always close your browser when leaving the computer. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security. Not even a bank employee knows your password.

Questions and Answers

Q I’m still hesitant about banking online. Can other people see my account information?
A Your account information is just as secure as it is at your physical brick and mortar bank. We’ve taken every step possible to be sure our system meets the latest security standards, including using the latest security encryption methods and software.

Q I keep hearing a lot about encryption. What exactly is it, and why does it make everything more secure?
A Encryption is basically a way to rewrite something in a code which can then be decoded later with the right key. The encryption we use employs a mathematical process for the key which is made up of a certain number of bits (hence, 128-bit encryption). The higher the number of bits, the better the encryption. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 128 bits. In other words, when you send information to the system, your browser encrypts it using a 128-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.

Q What about information that is stored? Is it encrypted as well?
A Information stored on our system is also encrypted using at least 128 bits.

Additional Information

Protecting yourself from fraud is important. We have compiled the best information regarding fraud, so read on and learn more!


  • If the card reader jiggles – move to a different ATM/location
  • Cover your hand when entering your 4-digit PIN
  • Be suspicious of odd looking equipment on or near an ATM
  • Do not write your PIN on the card
  • Do not keep your PIN in your wallet
  • Never let someone else use your login, password, or PIN

Debit & Credit Cards

  • Sign up for CardValet – Our secure method of tracking your debit card activity
  • Draw a line through blank spaces on a sales receipt so the total cannot be changed
  • Do not sign blank sales receipts
  • Utilize Verified by Visa
  • Do not carry cards that you do not use
  • Sign your card
  • Print “Ask for Photo ID” by your signature

Cashier's Checks

  • Research who you are dealing with – Google the company
  • Be cautious of checks that are more than the purchase price
  • Be careful about receiving a letter that states you won a foreign lottery – it’s probably fraud
  • Be leery if there is a request to send funds quickly


  • Do not give out any personal information
  • Be aware of callers who ask for money first
  • Be cautious of phone calls that want you to enter your account information to keep your account open
  • Be careful of callers that state they are a relative and they need money because they are in trouble

Internet Scams

  • If something sounds too good to be true, it most likely is
  • Do not fall victim to “free money” or “gift cards”
  • Beware of ads that state you will receive large sums of money for minimal work

General Information

  • Monitor your monthly bank/credit card statements for suspicious activity
  • Notify the Bank of any changes to mailing/physical address, phone numbers, email etc.
  • Notify the Bank regarding any major life changes so we can update your accounts and personal information
  • If you suspect fraud, close the existing account, debit card or credit card and re-open

Phishing Scams

Internet scammers have a new way to lure unsuspecting victims: They go “phishing.” Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your personal information. Phishers send an email or pop-up message that appears to be from a business or organization with which you deal. The message usually states that you need to “update” or “validate” your account information and looks just like the legitimate website of the business, but it isn’t. The scam is designed to trick you into revealing your personal information so that they can steal your identity.

  • If you receive an email or pop-up message that asks for personal information, do not click on any links in the message and do not reply to the message.
  • Ask yourself – Do I really know who this person is? Does this person/entity have a need to know the information? Does this person have the proper authorization?
  • Do not email personal or financial information – email is NOT a secure method of transmitting personal information.
  • Be cautious about opening any attachment or downloading any files from emails you receive.

FDIC Resources

The FDIC has published resources to help avoid fraud and protect against cyber threats when banking online or on a mobile devise. Please visit the FDIC Cybersecurity website,

Helpful Resources

To report fraud, please contact us at or call us at 239-472-6100. You may also need to file a report with the local police. You should also contact the major credit bureaus and ask that a fraud alert be placed on your account. They are required to provide victims of identity theft with a free copy of your credit report. Equifax – 1-800-525-6285 at; Experian – 1-888-397-3742 at; and TransUnion – 1-800-680-7289 at