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General Info
Founded in 2001, Beach Community Bank offers checking, individual retirement, money market and savings accounts. The bank provides personal and business banking, cash management and interest checking services. It offers retirement planning, monthly payment and college savings calculators. Beach Community Bank provides traveler s checks, safe-deposit boxes, certificates of deposit and lines of credit. It is a member of the Federal Deposit Insurance Corporation and was founded by a group of local career bankers and approximately 140 investors. The bank also offers sand pebbles savings accounts for children up to the age of 18. Beach Community Bank operates a subsidiary, Beach Community Mortgage and additionally provides merchant banking and commercial account analysis services.
BBB Rating
BBB Rating and Accreditation information may be delayed up to a week.

Regular Hours

Sat - SunClosed

Extra Phones

Fax Number: (850) 244-9001

TollFree: (866) 362-3224

Payment method
Elliott's Point, Beal Parkway

Beach Community Bancshares Inc

Beach Community Bank ATM

Banks, ATM Locations, Commercial & Savings Banks, Holding Companies, Loans, Mortgages
Other Information

Parking: Lot, Free


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Jordan R.



From the tellers, to the president's 'Executive Assistant", to the Head of Tellers, I have NEVER been treated as poorly as I was by these people in 33+ years of banking.

After apparently reaching my "daily spending limit", (I didn't realize, nor was I ever told I was only allowed to spend $1300.00 of MY OWN MONEY per day, and yes I understand it‘s a “security precaution“ and it‘s “for my protection“, but maybe you could have TOLD me I‘d reached my limit??), my card was rejected at a local business, with no explanation... just rejected, making me look like an idiot in front of other customers behind me in line to whom I had just been handing out my card and talking up my business.

I called the local branch the following morning as this bank has no 24 hour support line to call for help in this situation. The teller who took my call told me that there was a $1300.00 daily spending limit on personal accounts. I told her I had a business account and she said, "I dunno…if you want, you can talk to my manager, but she doesn't come in until this afternoon."

I then called the main branch and spoke with another person, who told me the daily spending limit on a business account was $5000.00, which confused me as I had not even spent $2000.00 on the day in question.

So, I called the main branch back and asked to speak to the “Boss” and was connected to a woman who

claimed to be "Executive Assistant", (because as she told me, no one speaks to the Boss without going through her first), and she confirmed the daily spending limit on a Business account was $5000.00. I told her I had a business account and she said she didn't know why the cad had been rejected, but would brief the head of tellers on the matter and have her call me back before the EOB that day.

When I received that call (and after AGAIN having to explain the situation), I described to this woman, this scenario:

You are in a car, in the middle of nowhere and your car breaks down. You call a tow truck but when it arrives and the card is rejected, so he drives away, leaving you stranded.

You call the bank's "Customer Support" line, only to be bounced through 3 different recorded messages, only to wind up back at the original message, without ever speaking to a real person, so you have to sleep in your car, in the middle of nowhere, until the bank opens the next day at 8am.

I asked this woman, "Had this happened to you, how angry would you be? And please don’t give me the “company line“, personally, as an individual, how angry would you have been?"

Her answer was, and I quote: "l would have had another card to pay for it."

"Really?? That's your answer? "

To which she replied, "So, do you want to close your account with us or what?"

Customer CARE/Support at it’s best, wouldn’t you say?

I did call one more time in an attempt to speak with the "Head Honcho", but needless to say, I never received a call back, making it very clear how important they consider, (A) me as a customer, or (B) correcting a problem.

I STRONGLY recommend that ANYone who enjoys friendly, helpful service from their bank, especially when you call their "Customer CARE/Support Line", stay AS FAR AWAY AS POSSIBLE from this group of amateurs. They have NO idea how to treat their customers, talk to their customers, or even APOLOGIZE to their customers.

Hacks, clowns and buffoons… is how I would describe these self'-described "bankers".

I now do all of my business banking at Hancock Bank, where they were more than happy to be pleasant and polite, introduce themselves with smiles on their faces and THANK ME for my business.

Three things I NEVER got at Beach Community.



Leave quickly. I had a savings...

Leave quickly. I had a savings that I brought down to $o.oo for 3 days and they closed it. I asked them why and they said that all accounts with a zero balance at the end of the month are closed. I have around $5.00 in the account so they took the $5.00 for a fee which made the balance zero then they closed the account.

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