About Atlantic Coast Bank

Atlantic Coast Federal Corporation is the holding company for Atlantic Coast Bank, a community-oriented financial institution serving southeastern Georgia and northeastern Florida through 13 offices, including a focus on the Jacksonville metropolitan area.
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Overall Rating

MyBankTracker rated Atlantic Coast Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.


MyBankTracker Rating

Customer Rating
Based on 6 Reviews
Financial Health
Based on Texas Ratio: 12.03
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Locations & Hours

Atlantic Coast Bank Location Map
Atlantic Coast Bank Location Map
We found branches close to you and 13 nationwide.
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Customer Reviews

Most Helpful Customer Reviews

Fbmrtn's Profile Image

Reviewed by Fbmrtn

Mar 19th 2011

5 out of 5 marks

Incredible customer service - a real family bank feel

I have been living in Julington Creek since 2004 and used to be with Bank of America. I simply have grown tired of being treated like a number - I moved my realtionship to Atlantic Coast Bank in Julington Creek, they have that family bank feel and great accounts - 3.01% interest on my checking account - awesome! and the employees treat you like you are an individual - a real local bank with real personable commited employees who actually care about you.

I also like the fact that they are big supporters of the elementary schools, Creeks Athletic Associations and the kids in general - they simply get it at Atlantic Coast Bank! It is refreshing and we love it - 5 stars!

Is this review helpful? ▲ Yes 1 ▼ No 1

Atlanticabused's Profile Image

Reviewed by Atlanticabused

Jun 14th 2013

2 out of 5 marks

Horrible Client service

I went through the SBA process with Atlantic and was very pleased with the woman who handled the loan initially. However, when my loan was handed off to a loan closer, it became a nightmare. Her repeated mistakes were not nearly so big a problem as her attitude. She has been demeaning and treated me as if I was a bother. She is confrontational and, frankly, not very sharp. I don't have a problem that she makes mistakes, it's that she seems to hold it against me when she does. It's as if it's my fault when she is in error. I have begun my new SBA loan process with Wells Fargo and will refinance the one I have with Atlantic Coast at my first opportunity.

Is this review helpful? ▲ Yes 2 ▼ No 0

sm10's Profile Image

Reviewed by sm10

Jan 30th 2013

1 out of 5 marks

Worst Customer Service

I have had two very bad customer service experiences at Atlantic Coast Bank. First, my debit card information was stolen somehow (I still had my card) with many quick uses of the card on black friday. I immediately stopped the card once I saw the transactions, called the bank, and filed a police report. It wasn't until the police report was mailed to me and then mailed to them that they would after a review process reimburse me the thousands of dollars. It was more than 3 weeks before they reimbursed my money and I had to figure out other ways to pay my bills. The second happened a year later when 3 unauthorized direct withdrawls occurred from a company that I had stopped allowing direct withdrawls from. The company apologized for there error. However, atlantic coast not only refused to reimburse me for the fees toping over 100 dollars for these fraud charges but they also wanted to charge me another 37 dollars just to freeze my account! It is not worth your time or safety of your money to use there services.

Is this review helpful? ▲ Yes 3 ▼ No 0

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