First State Bank of the Florida Keysbanking in the keyskeys community
Additional Services
Online Banking
Trouble logging in? Click here
Quick LinksJump To
Follow Us!

Privacy & Security
Your Privacy Is Important To Us!
Children's Online Privacy Protection Act
Safeguarding Your Information
Online Information Policy
Blocked Debit Card Information
Debit & ATM Card Security Tips
Identity Theft - Reduce Your Risk
Identity Theft - Respond & Recover
Identity Theft Presentation
Important Consumer Financial Resources
Business Resources
Your Privacy Is Important To Us!

First State Bank of the Florida Keys respects the privacy of our customers and former customers. We consider any personal information you supply to us to be confidential, and we are committed to using this information solely for the purpose of providing you with superior services and products.

Click Here to read our complete Privacy Policy.

Children's Online Privacy Protection Act

With respect to the privacy of children, to comply with the Children's Online Privacy Protection Act (COPPA), First State Bank of the Florida Keys does not knowingly request or retain personally identifiable information from consumers under the age of thirteen. The Bank's website is not directed to individuals under the age of thirteen (13), the Bank requests that individuals under the age of 13 do not provide Personal Information through the website and if they are a child under 13 years of age, to please show to their parents, and do not use the online services of this institution without disclosure to and consent from their parents.

Safeguarding Your Information

At First State Bank of the Florida Keys, the security of customer information is a priority.  We are strongly committed to the safety and confidentiality of your records.  Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public.  One of the best ways to avoid fraud is to become an educated consumer. 

  • Protect yourself from fraudulent Web sites and e-mails.
  • Watch out for copycat Web sites that deliberately use a name or Web address very similar to, but not the same as the real one.  The intent is to lure you into clicking through to their Web site and giving out your personal information, such as a bank account number, credit card number or Online Banking login information. 
  • Always use your pre-established links to access Web sites and avoid clicking on links in unsolicited e-mails.  If you ever receive a suspicious e-mail representing itself as First State Bank, please forward the message in it's entirety to
  • Ensure that your own personal computer has updated anti-virus and firewall protections.  Apply security patches for all of your programs and operating systems regularly.
  • Limit internet access for business computers to websites approved for business use and block all other websites.
  • Passwords should be unique to you and changed regularly.  Do not use birthdays or other numbers or words that may be easy for others to guess.  Never write down your password or give it to another person.
  • Monitor your account activity frequently using our free Online and Mobile Banking services.  
  • Sign up for free E-Statements to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.
  • Set up free Security and Balance Alerts through Online Banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.

We encourage you to review our Security & Privacy links, which can be found at the bottom of any page of our website.  If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 305-296-8535 or toll free at 1-866-298-1858 or via e-mail at

Online Information Policy

Online privacy for both customers and visitors is a responsibility that First State Bank of the Florida Keys takes very seriously. We gather information for a variety of reasons such as site management, marketing, surveys, security, and for the purposes described below.

Specific Information We Collect

  • Previous URL you visited
  • Referring site and keywords
  • Site navigation, pages you visited, time you spent on pages
  • Polls, surveys on our site

How We Use Information

Security purposes:

  • Maintain a secure session.
  • Authenticate your computer.
  • Detect potentially fraudulent transactions.
  • Verify transactions.

Site Management:

  • Provide technical assistance.
  • Tailor the content we display to you on
  • Resolve performance issues.
  • Improve search engine placement.
  • Improve website navigation


  • Offer solutions that match your interests and needs.
  • Follow up on transactions you initiate.

Website Cookies

Websites collect information by using cookies. Cookies are small pieces of data sent from the server and stored on the user’s browser or mobile device. This information is used to track time on pages, visited pages, recognize return visitors, and store user preferences. Cookies cannot carry viruses or infect a user device with malware. Cookies used on this website do not carry or contain encrypted information. Browser settings can be set to reject cookies sent from the web server however, online banking is not possible without cookies.  Our Secure Online Banking services use Multifactor Authentication, with secure cookies, which help identify the user. First State Bank of the Florida Keys Bank website contains links. The Bank is not responsible for the information collection practices and policies on these sites. The Bank cannot identify how these third parties use cookies or whether their cookies collect personally identifiable information. Users are encouraged to review the privacy policies on these websites.

Back to top

Blocked Debit Card Information

In order to protect customers from debit card fraud and reduce unauthorized charges, First State Bank of the Florida Keys uses a sophisticated behavioral scoring system to closely monitor all debit card transactions.

As a result, some debit card transactions may be blocked by the system if any unusual or suspicious activity is detected on a customer’s account. Additionally, debit card related transactions may be blocked by specific retail categories, like liquor stores and gas stations, or by location, such as specific states or countries where fraudulent activity is suspected.

REMEMBER - Debit cards can be used 2 ways, as a signature CREDIT purchase or as a DEBIT purchase, which requires a PIN (Personal Identification Number) to complete the transaction. If a signature CREDIT purchase does not receive authorization, customers should try using the DEBIT PIN as a secure way of completing the transaction.

I. Blocked Cards:
If a debit card transaction has been rejected, customers should consider taking the following actions:
1. Try using the PIN (Personal Identification Number) to complete the transaction.
2. Try using the debit card at an ATM using the secure PIN.
3. Call or Visit one of our Keyswide branches for assistance.
II. Information:
1. If any unusual activity occurs that is suspected of being fraudulent, the Bank will attempt to contact the customer to verify the transaction(s).
2. If we can not reach the customer, the card will be limited to PIN-based only transactions, allowing the customer to make purchases or withdrawals only when using the secure PIN.
3. Transactions that are blocked for fraud by retail classification (e.g. liquor stores) or by location are typically only blocked for signature-based transactions, allowing the customer to complete the purchase using a secure PIN.
4. If customers are contacted and verify that the charges are legitimate, the debit card will be unblocked to resume normal purchase activity.
a. If the customer verifies that the charges are not legitimate at the time we make contact, First State Bank of the Florida Keys reserves the right to inactivate the debit card and issue a new card.
5. If a debit card is blocked for fraudulent activity, every attempt will be made to contact the customer. Therefore, customers should ensure that the Bank has current home, work, and cell phone numbers as well as e-mail address on file.
a. Customers can update contact information by signing in to Online Banking and clicking the “Address Change” tab in the left-hand navigation under the “Services” category.
III. Protect & Minimize Risk:
1. Notify the Bank of any upcoming travel plans or large/unusual purchases.
2. Always carry a secondary method of payment, such as a credit card or cash.
3. If the PIN is compromised or knowledge of the PIN is suspected, change the PIN at any First State Bank of the Florida Keys Branch ATM.
Back to top

Debit & ATM Card Security Tips

Debit & ATM cards are a convenient way to make purchases & manage your finances, but it's important to keep your money secure!

  • Create a unique PIN.
  • Keep your PIN confidential. Memorize it, don't write it down.
  • Conceal your PIN from onlookers when entering at an ATM or terminal.
  • Never disclose your PIN to anyone. The Bank will never ask for your PIN.
  • Store your card in a secure location & never lend it to anyone.
  • Report missing or stolen cards immediately at 1(800) 554-8969.
  • Always take your card & receipt after completing a transaction.
  • Review your bank statements regularly & report discrepancies immediately.
As a special service to protect your account(s), First State Bank of the Florida Keys reserves the right to restrict card use for risky activities & suspicious geographic regions around the world.

 Pick up your FREE copy of our "Avoid Identity Theft" brochure at any First State Bank Office Today!

 Back to top

Identity Theft - Reduce Your Risk

The Federal Trade Commission estimates that as many as nine million Americans have their identities stolen annually, costing millions of dollars. Identity Theft occurs when someone takes personal information and uses it to commit fraud and other crimes.

 Help reduce your risk of Identity Theft with these seven steps:

  1. Guard your Social Security number, passwords, personal identification numbers (PINs), checks, bills and mail.
  2. Shred receipts, credit solicitations, cancelled checks and any financial documents.
  3. Utilize unique passwords on all accounts and memorize them.
  4. Review all financial statements carefully and immediately report any unauthorized use.
  5. Never give out personal or financial information on the phone, through the mail, or on the internet unless you've initiated contact and are confident of the source.
  6. Reduce the number of credit cards you carry and cancel unused cards.
  7. Review your credit report regularly.
Identity Theft Presentation
View Printable Brochure on Identity Theft Back to top
Identity Theft - Respond & Recover

If you are a victim of Identity Theft, the following steps should be taken immediately: 

  1. Contact all three major credit bureaus. Place a fraud alert or credit freeze on your credit reports and request a free copy of your report to review. 
  2. Close any invalid or tainted accounts.
  3. File a complaint with the Federal Trade Commission. 
  4. File a report with your local police department. 
  5. Contact your financial institution(s). 
  6. Report any fraudulent investment activity to the Securities & Exchange Commission. 
Remember to record all details of your conversations and retain copies of all correspondence.


Back to top
Important Consumer Financial Resources

Federal Trade Commission Identity Theft Hotline

Federal Deposit Insurance Corporation (FDIC)
For questions regarding FDIC insurance coverage on your account:




Social Security Fraud Hotline

United States Postal Service

Securities & Exchange Commission

Identity Theft Resource Center

Fighting Back Against Identity Theft - Federal Trade Commission

ID Theft Info from Consumer Confederation of America

View Printable Brochure on Identity Theft 

Federal Communications Commission
FCC Smartphone Security Checker:
General Smartphone Security Checklist:

Back to top
Business Resources
Federal Trade Commission
Back to top

First State Bank of the Florida Keys understands that the security of your personal and financial information is important to you. To assist us in offering these Online Banking services in a secure manner, we utilize several measures which are described below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and protect your information. Learn More...

Back to top

First State Bank Awards
Keys Weather
Tide Charts
Financial Center
Bank Message
Product Spotlight
Business Partners
Keys Community Page