The bank is committed to providing its customers with access to the latest technologies, enabling the bank to compete favorably with much larger regional and national banks.

Intracoastal Bank has utilized the Premier bank platform from Fiserv since the bank opened its doors in 2008. The bank's most recent enhancements to its digital channel include Mobiliti for mobile banking, ATM Source Capture for check deposits at ATMs, LinkLive Banking for instant messaging and AccountCreate for online account opening. The bank has in place a host of digital products and services from Fiserv, including Retail Online and Business Online for online banking, CheckFree RXP for bill payment, Popmoney for person-to-person payments and Merchant Source Capture for check capture.

"Fiserv solutions enable our bank to offer integrated, easy-to-use services, whether a customer is in a banking center, online, at a remote location or on their smartphone," said Cheryl Tanenbaum, Chief Financial Officer for Intracoastal Bank. "We strive to offer the innovations our customers expect, including the 'next big thing' they may see advertised by large, national banks. Intracoastal Bank embraces technology as a way to provide exceptional service and remain competitive."

Key to Intracoastal Bank's digital strategy is Mobiliti from Fiserv, which offers robust mobile banking and payments functionality across a range of devices. Using Mobiliti, the bank rolled out upgraded functionality, enabling customers to not only view balances, make transfers and pay bills, but also sign up for alerts and notifications so they can proactively monitor and manage their accounts. The bank sees substantial potential for growth in mobile banking adoption among its customer base.

Intracoastal Bank believes adoption rates for technology are related to how thoroughly the bank demonstrates the value of newly implemented solutions to its staff and customers. As part of this process, Intracoastal Bank utilizes social media, traditional media and video product demonstrations on its website.

One of the bank's newest offerings is ATM Source Capture. The solution works with image-enabled Diebold ATMs to capture a customer's check image, determine the check amount, assess image quality and transfer deposit images and related transaction data. To introduce ATM Source Capture, Intracoastal Bank staff members were positioned outside to encourage customers to leave the commercial drive-thru lane and instead make their deposits at the ATM.

Intracoastal Bank is seeing growing usage of LinkLive Banking -- a solution that offers secure e-mail, e-folders, instant messaging and desktop sharing capabilities -- since it implemented the solution in June 2012. Intracoastal Bank expects similar results when the bank deploys AccountCreate for online account opening and funding.

"Intracoastal Bank is a perfect example of a community bank that is using technology to level the playing field by delivering advanced digital capabilities to its customers," said Erich Litch, division president, Digital Channels, Fiserv. "The bank continues to make the most up-to-date technology available to its retail and commercial customers, challenging the notion that small banks can't be competitive in this arena."

Fiserv is the U.S. market leader in account processing services, electronic bill payment and presentment for financial institutions. More than 55 million consumers use Fiserv-powered online banking services, and one in three U.S. financial institutions relies on Fiserv for account processing solutions and expertise.