Empower Checking

A Bank On-Certified Account

Take charge of your financial life with an essential personal account for only $4.95 per month.

Empower Checking features and benefits:

  • Only $10 minimum opening deposit
  • Visa® debit card*
  • Waived overdraft or insufficient funds fees
  • CCBMobile App and Online Banking^
  • Free e-statements+
  • Zelle® payments
  • Free money orders
  • No minimum balance
  • Capital City Bank 24-Hour Automated Account System
  • Free access to Capital City Bank ATMs and Virtual Teller Machines
Empower Checking is a Bank On-certified account.

Open your Empower Checking account at a Capital City Bank office near you.


Important Information

Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal checking. Account features and service charges are subject to change. Some services require online banking. Empower Checking clients are eligible upon request for other checking products after 12 months in good standing. Ask a banker for details.

Capital City Bank checks are not offered with this account.

Standard overdraft coverage is not provided with Empower Checking, so we may decline or return transactions that would result in an overdraft. Transactions you make may cause your Empower Checking account to be overdrawn, resulting in a negative balance, but we will not assess your account an overdraft fee or return fee. Empower Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.

^Bill Pay is not available with this account. Fees charged by mobile service provider are the responsibility of the user.

+Enrollment required for e-statements. Paper statements are available for an additional $2 charge per month.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.