Capital City Bank has 130 years of community banking experience. We are still locally owned, still a strong community partner and still here for you.
At Capital City Bank, we've been serving our neighbors for 130 years - and we're still right here, right where you need us.
Named a best bank, recognized among Forbes 2025 World's Best Banks and honored by American Banker as one of the Best Banks to Work For, Capital City Bank has earned a reputation for exceptional service and trusted relationships.
With deep roots in the community and a steadfast commitment to exceptional, personalized service, we offer a steady, trusted banking partner that has stood the test of time. We'd love to be your next confident step forward.
Thinking about making a move? Let's talk - or make the switch today.
Whether you're looking for checking, savings, loans or business banking, we make the process easy and the experience better.
Call and speak to a banker to have a no-pressure conversation or open your new account in just a few clicks.
Call and speak to a banker to have a no-pressure conversation or open your new account in just a few clicks.
We bring strength, stability and strong relationships
Capital City Bank has endured wars, economic downturns and profound industry changes. What hasn't changed is 130 years is our commitment to relationships and local decision making.
Why clients like you choose Capital City Bank:
- 130 years of local strength - a name you know and a legacy you can count on.
- Local bankers and familiar faces committed to personal relationships and extraordinary client service.
- Full-service banking offices both in Monticello and nearby Tallahassee, plus robust digital tools for maximum banking flexibility.
- Decisions made locally - we know this community because we are part of it.
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"I would like to give a little extra shout out to Barbara Hayes, we’ve been in a few times to talk with her and she has gone over and above to help!"
- Christine L., Monticello
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"Capital City Bank is our "go to" financial institution. They work WITH US in any financial question. We have confidence in their word." - Robert C., Monticello |
Thinking about making a move? Let's talk - or make the switch today.
Whether you're looking for checking, savings, loans or business banking, we make the process easy and the experience better.
Call and speak to a banker to have a no-pressure conversation or open your new account in just a few clicks.
Call and speak to a banker to have a no-pressure conversation or open your new account in just a few clicks.
Choosing the right checking account is easy with Capital City Bank. Compare our checking account options side-by-side to find the features, benefits, and flexibility that fit your needs.
| Carefree checking |
Everyday checking | performance checking | EVOLVE checking | LEVEL UP CHECKING | |
|---|---|---|---|---|---|
| Opening deposit requirement | $50 | $50 | $50 | $50 | $50 |
| Minimum daily balance requirement | None | $1,500 | $4,000 | None | None |
| Monthly service charge | $6.95 |
No monthly service charge with either:
20 debit transactions* OR
$1,500 minimum daily balance
Otherwise, it's $7.95
|
No monthly service charge with either:
20 debit transactions* OR $4,000 minimum daily balance
Otherwise, it's $7.95
|
FREE | FREE |
| No per-check fee+ | √ | √ | √ | √ | √ |
| Electronic or paper statement | √ | √ | √ | √ |
√ |
| Interest-earning | √ | ||||
| Age requirement | 18 to 255 | 13 to 177 | |||
| Additional features | IDProtect®1, Cellular Telephone Protection1, Mobile Retail Discounts1 and $hopping RewardsTM,1 |
Visa® debit card with tap-to-pay2 Up to three (3) ATM Network Usage fees imposed by Capital City Bank waived for withdrawals.3 Eligible for Making Cents4 |
Requires joint ownership with parent or guardian. Free access to Level Up Financial Knowledge Builder powered by EverFi. Making Cents automatic savings feature with 6% match6. |
Switching banks sounds hard, but Capital City makes it easy.
With our Simple Switch Kit, moving your accounts to Capital City Bank couldn't be easier or more convenient!
Our Switch Kit provides:
- A step-by-step checklist
- Account transfer forms
- A guide to updating direct deposits and bill payments
Important Information
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal checking. Account subject to fees if overdrawn. Account features and service charges are subject to change. Some services require online banking.
Overdraft Protection coverage is not provided with Evolve Checking or Level Up Checking. Transactions you make may cause your Evolve Checking or Level Up Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Evolve Checking and Level Up Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1Some benefits require registration/activation. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefit described. Speak with a banker today for more information.
2Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
3We will automatically waive up to three (3) ATM Network Usage Capital City Bank Imposed Fees for Withdrawals at non-Capital City Bank ATMs per monthly statement cycle. You will still be responsible for any fees charged by the ATM provider (“Foreign ATM Surcharge Fee”).
4Requires enrollment and a personal debit card. Visit ccbg.com/makingcents for details.
5When the account holder reaches age 26, Evolve Checking and/or Evolve Savings account(s) will be changed to an appropriate account type.
Account holder will be informed through required change in terms notification.
6Requires enrollment, a personal debit card and a Level Up Savings account. Earn a maximum of $10 in matching funds per month. Matching funds deposited quarterly. Capital City Bank may report the value of the any matching funds received to the Internal Revenue Service as required by law. Visit ccbg.com/makingcents for details.
7When the minor reaches age 19, Level Up Checking and/or Level Up Savings account(s) will be changed to an appropriate account type.
Account holder will be informed through required change in terms notification.
+Client purchases checks.
*Excludes ATM transactions.
All loans subject to credit and property approval.