Disclosures


Personal Checking & Savings

Carefree Checking
Full account benefits, disclosures and requirements are found on the Carefree Checking documents contained in your Welcome folder.
 
Everyday Checking
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance Information” on the periodic statement). Qualifying transaction types include PIN-based and signature-based everyday debit card purchases and recurring debit card payments; ATM transaction types are excluded. Qualifying debit card transactions must be posted and settled during the statement period.

Performance Checking
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance Information” on the periodic statement). Qualifying transaction types include PIN-based and signature-based everyday debit card purchases and recurring debit card payments; ATM transaction types are excluded. Qualifying debit card transactions must be posted and settled during the statement period. Interest is compounded daily on daily collected balances and paid on the last day of the statement period.

Evolve Checking
Available to young adults ages 18-25 years. At age 26, the Evolve account will be changed to an appropriate personal account type. Account holder will be informed through required change in terms notification.

Level Up Checking
Available to students ages 13-17 years as a joint ownership with an adult parent, relative or guardian. At age 19, the Level Up account will be changed to an appropriate personal account type. Account holder will be informed through required change in terms notification.

Everyday Savings*
The Minimum Daily Balance is the lowest daily balance in the account during the calendar month (refer to “Daily Balance Information” on the periodic statement). Interest is compounded daily on daily collected balances and paid on the last day of the calendar quarter. Collected balances below $200 do not earn interest. Everyday Savings accounts no longer meeting the e-statement requirement will be changed to a Basic Savings account. Account holder will be informed through required change in terms notification.

Basic Savings*
The Minimum Daily Balance is the lowest daily balance in the account during the calendar month (refer to “Daily Balance Information” on the periodic statement). Interest is compounded daily on daily collected balances and paid on the last day of the calendar quarter. Collected balances below $500 do not earn interest.

Evolve Savings*
Available to young adults ages 18-25 years. At age 26, the Evolve account will be changed to an appropriate personal account type. Account holder will be informed through required change in terms notification. Interest is compounded daily on daily collected balances and paid on the last day of the calendar quarter. Collected balances below $200 do not earn interest.

Level Up Savings*
Available to teens ages 13-17 years. With the Level Up Savings Matching Program, Capital City Bank will match 2% of your Making Cents round-up total, up to $10 per calendar month. The matching funds will be deposited to your Level Up Savings account on the last day of the calendar quarter. If your Level Up Savings account, “receiving” account, is closed during the quarter, prior to your matching funds being deposited, the matching funds will be forfeited. When the minor reaches age 19, the Level Up Savings account will be changed to an appropriate savings account type and the Level Up Savings Matching Program will cease. Account holder will be informed through required change in terms notification. Interest is compounded daily on daily collected balances and paid on the last day of the calendar quarter. Collected balances below $200 do not earn interest.
 
Minor Savings*
Interest is compounded daily on daily collected balances and paid on the last day of the calendar quarter. When the minor reaches age 19, the Minor Savings Account will be changed to an appropriate savings account type. Account holder will be informed through required change in terms notification.

Savings Club
Available to consumer clients who have, or agree to open, a Capital City Bank personal checking account. The balance of funds will be disbursed on the first business day of the distribution month you choose (February, May, August or November) by check or by transfer to a Capital City Bank checking or savings account as designated by the client. You may select only one distribution date each year and may request a different distribution date after the balance of funds has been disbursed. Interest is compounded daily on daily collected balances and paid annually on the last business day before your chosen distribution date.

Additional Savings & Investment Products


Money Market Account*
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance Information” on the periodic statement). Interest is compounded daily on daily collected balances and paid on the last day of the statement period. 

Premium Money Market Account*
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance Information” on the periodic statement). Interest is compounded daily on daily collected balances and paid on the last day of the statement period. Accounts no longer meeting the $25,000 minimum daily balance requirement will be changed to a Money Market account. Account holder will be informed through required change in terms notification.

Certificate of Deposit
Interest is compounded daily and paid monthly, quarterly or at maturity. Interest is not compounded for certificates of $250,000 or more. A penalty will be imposed for early withdrawal. 

Individual Retirement Account (IRA)
Minimum deposit to open varies based on investment option chosen. There is a $25 fee to close an IRA. 


Business Checking & Savings^

Everyday Checking for Business
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance Information” on the periodic statement). Qualifying transaction types include PIN-based and signature-based everyday debit card purchases and recurring debit card payments; ATM transaction types are excluded. Qualifying debit card transactions must be posted and settled during the statement period. Items include checks paid, checks deposited and ACH debits and credits. Coin and currency transactions include cash deposited and coin/currency orders.

Premium Business Checking
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance
Information” on the periodic statement). Items include checks paid, checks deposited and ACH debits and credits. Coin and currency transactions include cash deposited and coin/currency orders.

Commercial Business Checking
Items include checks paid, checks deposited and ACH debits and credits. Coin and currency transactions include cash deposited and coin/currency orders. The Uncollected Funds Charge is calculated using the JP Morgan Chase Prime (JPMCP) rate plus 3%, accrued daily on negative collected balances, and assessed on the last day of the statement period. This rate is subject to change without notice.

Business Checking Plus Interest
Sole Proprietor/Not-for-Profit
The Minimum Daily Balance is the lowest daily balance in the account during the monthly statement period (refer to “Daily Balance
Information” on the periodic statement). Interest is compounded daily on daily collected balances and paid on the last day of the statement period. Items include checks paid, checks deposited and ACH debits and credits. Coin and currency transactions include cash deposited and coin/currency orders.

Commercial

Interest is compounded daily on daily collected balances and paid on the last day of the statement period.

IOLTA Checking Plus Interest
Interest is compounded daily on daily collected balances and paid monthly to the state Bar Foundation. Client is responsible for all fees associated with the account (as listed in the Other Services & Fees insert). Consult your financial advisor about your state’s requirements.

Savings and Money Market Accounts*
See reverse for disclosure information on savings and money market accounts. The names differ slightly for business accounts on monthly statements and are as follows: Everyday Savings for Business, Money Market Business and Premium Money Market Business. Most features and benefits offered are the same for personal and business accounts, though some may vary for Premium Money Market accounts.

Fees may reduce the earnings on interest-bearing checking, money market and savings accounts.

*The account provides for unlimited withdrawals through an ATM, by mail, messenger or in person, but limits other withdrawals or transfers (such as telephone, online or phone-in automated account system transfers, check, draft or debit card) to six per calendar month for savings accounts or per monthly statement period for money market accounts. Excess withdrawal or transfer fee is $10 per debit paid over the limit per calendar month or per monthly statement period.

^Upon prior notification, check casher, money service business and private ATM owner accounts may be subject to an on-boarding fee and monthly monitoring fee. On-boarding fees not paid at account opening and subsequent monthly monitoring fees will be applied retroactively to the date check casher/money service business/private ATM activity is first detected.

Effective May 11, 2023