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Business Checking with No Minimum Balance

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Loaded with benefits. No minimum balance. No hassle.

Managing your finances is simple when your business checking account works as hard as you do. Carefree Business Checking delivers all the essentials you need to keep your business moving forward, like free monthly transactions and convenient digital banking tools, plus enhanced benefits for you, your business and your employees.  

Carefree Business Checking works even harder when paired with convenient services like online banking, bill pay and a business debit card, helping simplify everyday tasks like making purchases, paying bills, managing payroll and monitoring account activity wherever business takes you.

Account Features
  • $10 monthly service charge 
  • No minimum balance
  • Free e-statements**
  • 500 free items per month; 35¢ per item over 500^
  • $10,000 free coin and currency transacted per month
  • $2 per $1,000 in coin and currency transacted over $10,000 per month

Additional Benefits

For the Business
  • Data Breach Solutions
  • Legal Services1,2
  • Dark Web Monitoring & Alerts*
  • Private WiFi*,3
For the Business Owner4
  • Fraud Resolution & Identity Theft Expense Reimbursement1
  • Identity Monitoring*
  • Credit File Monitoring, Credit Report & Score*,5
  • Social Media Monitoring*
  • Cell Phone Protection1
  • High Risk Transactions Monitoring*
For the Business Owner & Employees
  • Identity Theft Recovery & Expense Reimbursement
  • Telehealth*,6
  • Health Discount Savings*
  • InstaDealsTM
  • $hopping RewardsTM,*
 

Open a Carefree Business Checking account

Opening your business checking account starts with a conversation. Connect with a local business banking expert who knows your market, understands the day-to-day needs of running a business and partners with you to select the right solutions for your business goals. We’ll answer your questions and handle all the details so opening your account is simple. 
 

Connect with a Business Banker

 

Choose a business banking partner you can rely on

Businesses have trusted Capital City Bank for generations because of our commitment to personalized service, local decision-making and long-term relationships. That commitment continues to earn recognition from our clients, our communities and the banking industry alike.
 
 
Named best bank in Tallahassee by Tallahassee Magazine
2025 Best Bank in Tallahassee
Tallahassee Magazine
2025 World's Best Banks
2026 World's Best Banks
Forbes Magazine
Named best bank American Banker Magazine
2025 Best Banks to Work For
American Banker Magazine
 
"We got back pretty fast and opened a business account and personal account. The process is long no matter what bank you use and we had a lovely person who was engaging and understanding. For us it was the kindness!
- Jimmy, Tallahassee, FL 
“I had a very pleasant and comfortable experience with Rachel Simmons when she setup my business account.
- Shenika, Tallahassee, FL 
“The office staff worked around my busy schedule to be able to set an appointment. They all made sure I felt comfortable from providing friendly smiles, warm welcomes, product knowledge, and a truly personable connection when they were assisting me with setting up my accounts. They made sure I knew all my options not just a selling point. It was genuinely about what was best for me.”
- Jennifer, Madison, FL 
“I have used Capital City Bank since about 1973. I have financed cars, office building, home loan, two business, two personal accounts and have always been treated great at all locations."
- Harlan, Tallahassee, FL
  • Data Breach Solutions | Solutions to help prepare, respond to and resolve internal data breaches as they happen
  • Legal Services1,2 | Access to free or discounted legal services from a network of skilled attorneys
  • Small Business Monitoring* | Business information monitored on the dark web with alerts in the event that it has been exposed
  • Private WiFi*,3 | Protections of information by encrypting Wi-Fi signal with bank-level security on up to 10 devices
Get a plan for breach readiness, response and resolution with specialist consultation; includes customer notification and resolution for up to 25,000 customers in verified identity fraud cases.
Access skilled attorneys for unlimited phone consultations, document reviews, outbound calls and one-on-one consultations with a 40% discount on additional legal services. (See Guide to Benefits for details.)

Important Information

1The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefit described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Guide to Benefits and/or insurance documents can be found on carefreebusinesschecking.ccbg.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of guaranteed by the bank or any bank affiliate.  2Attorneys can conduct a legal review of up to five (5) documents each quarter, make outbound calls (limited to two (2) per month) or draft letters on behalf of your business (up to three (3) per month). Service also includes up to 10 collection letters monthly and one-on-one consultations for each new legal matter (limited to a 30-minute duration per matter).

Monitor the web for compromised business and personal information, receive prompt alerts and access specialists for restoration.

Important Information

*Benefits require registration/activation.

Connect securely with the Business Sense Private WiFi’s Virtual Private Network (VPN). Up to 10 available downloads.

Important Information

*Benefits require registration/activation. 3Compatible with Apple™, Windows™, and Android™. Laptops: Window running Windows 10 and above and Macs running OS X 10.10 Yosemite and above. Tablets and Smartphones: Android Phone and tablet devices running Android 6 and above and Apple iPhone, iPod and iPad devices running iOS 12 and above.





 



























  • Identity Theft Expense Reimbursement1 | Fraud resolution support and up to $1,000,000 in expense reimbursement coverage for personal identity theft
  • Identity Monitoring* | Ongoing monitoring of more than 1,000 databases and public record to identify suspicious activity.  
  • Credit File Monitoring, Credit Report and Score*,5 | Daily credit report monitoring for key changes, plus monthly credit report and score
  • Social Media Monitoring* | Active monitoring of social media accounts with alerts if compromised
  • Cell Phone Protection1 | Up to $800 reimbursement for phone repair or replacement due to damage or theft
  • High Risk Transactions Monitoring* | Triggered alerts when identity is used for high-risk transactions, like new accounts, password resets and more

Fraud resolution support and up to $1,000,000 in expense reimbursement coverage for personal identity theft. Excludes unauthorized electronic fund transfers related to the business. Monitoring service must be active at the time of discovery.

Important Information

1The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefit described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Guide to Benefits and/or insurance documents can be found on carefreebusinesschecking.ccbg.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of guaranteed by the bank or any bank affiliate.

Monitoring of over 1,000 databases.

Important Information

*Benefits require registration/activation.

Daily credit file monitoring and automated alerts of key changes to your credit report, along with access to credit report and credit scores.

Important Information

*Benefits require registration/activation. 5 Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

Help protect your social media presence from threats and risks ranging from hacked accounts to online risks and reputational damage.

Important Information

*Benefits require registration/activation.

Receive up to $800 of replacement or repair costs for damaged or stolen phones. Cell phone bill must be paid using your Capital City Bank Carefree Business Checking account.

Important Information

1The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefit described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Guide to Benefits and/or insurance documents can be found on carefreebusinesschecking.ccbg.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of guaranteed by the bank or any bank affiliate.  

Receive alerts for high-risk transactions via e-mail and optional SMS text.

Important Information

*Benefits require registration/activation.






























  • Personal Identity Theft Benefit | Dedicated identity recovery advocate to help resolve incidents with expense reimbursement up to $1 million for owners and up to $10,000 for employees
  • Telehealth*,6 |  Anytime video or phone visit with licensed health and mental care professionals and no co-pays (this is NOT insurance)
  • Health Discount Savings* | Savings on prescriptions, vision care and dental services (this is NOT insurance)
  • InstaDealsTM,* | Money-saving discounts from thousands of local and national businesses (available via mobile or web only)
  • $hopping RewardsTM,* | Earn cash back when shopping online at leading retailers, plus exclusive offers and discounts
Your employees will have access to their very own fraud resolution specialist to help them every step of the way until their identity is restored.

Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you, your family and your employees — all with zero copays. This is NOT insurance.

Important Information

*Benefits require registration/activation. 6Available to Business Owner(s) and Employees and their spouses/domestic partner and up to six (6) dependent children aged 2 and older.

Enjoy savings on vision, prescriptions and dental services. This is NOT insurance.

Important Information

*Benefits require registration/activation.

Money-saving discounts from thousands of local and national businesses. Available via mobile and web only.

Important Information

*Benefits require registration/activation.

Earn cash rewards when you shop online at dozens of your favorite retailers. Available via mobile and web only.

Important Information

*Benefits require registration/activation.







































































































 

Ways to access your business checking account

Managing accounts with online banking.

Online Banking

Move money and manage your finances anywhere at any time.
text banking

Mobile Deposit

Deposit funds quickly and securely using your CCBMobile app.

Mobile Deposit Details
Woman making a purchase with a debit card.
Visa® Debit Card
Safer than cash and can be used anywhere Visa® is accepted.
banking help

Lockbox Services

Hassle-free and more secure than your mailbox.
growing together

Business Banking Loans

Flexible and versatile financing to meet a variety of business needs.
payroll check

Payroll Solutions

Our built-in payroll tool makes issuing paychecks quick and easy.
 
*Benefits require registration/activation. 1 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Guide to Benefits and/or insurance documents can be found on carefreebusinesschecking.ccbg.com. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. 2Attorneys can conduct a legal review of up to five (5) documents each quarter, make outbound calls (limited to two (2) per month) or draft letters on behalf of your business (up to three (3) per month). Service also includes up to 10 collection letters monthly and one-on-one consultations for each new legal matter (limited to a 30-minute duration per matter). 3Compatible with AppleTM, WindowsTM and AndroidTM. Laptops: Windows running Windows 10 and above and Macs running OS X 10.10 Yosemite and above. Tablets and Smartphones: Android Phone and tablet devices running Android 6 and above and Apple iPhone, iPod and iPad devices running iOS 12 and above. 4Eligibility: Benefits are available to primary checking account owner and one (1) additional account owner (“Business Owner(s)”). Benefits are not available to a “signer” on the account who is not an account owner or Business Owner. 5Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis. 6Available to Business Owner(s) and Employees and their spouse/domestic partner and up to six (6) dependent children aged two (2) and older. ^Items include checks deposited, checks paid, ACH debits and credits. **Enrollment required for e-statements. Paper statements are available for an additional $2 charge per month.