Young-Adult Accounts That Evolve with You

You’re Evolving and So Should Your Bank Accounts with Capital City Bank

Becoming an adult is unavoidable, so embrace this next stage of your financial life with accounts designed especially for young adults 18-25 years. Smart money management and putting money away for the future should be your priorities. Start by opening checking and savings accounts today that evolve with you!

Evolve Checking

The ultimate account for when becoming an adult is unavoidable.
Features + Benefits:
  • Only $50 opening deposit
  • Waive up to three (3) fees from us for withdrawals at non-Capital City Bank ATMs1
  • Visa® debit card with tap-to-pay2
  • Eligible for Making Cents automatic savings service3
  • CCBMobile App and Online Banking with Zelle®4
  • No monthly service charge
  • No minimum balance
  • Free access to Capital City Bank ATMs and Virtual Teller Machines
  • Available for ages 18 to 255

Evolve Savings

The definitive account for honing savings skills and being better prepared for the future.
Features + Benefits:
  • Only $50 opening deposit
  • Link to Evolve Checking for Making Cents transfers3
  • Interest-earning on $200 balance or greater6
  • No monthly service charge
  • Available for ages 18 to 255

Smart Money Management and Secure Banking Topics
CCBMobile App, Online Banking and Other Virtual Banking Options
Zelle® Frequently Asked Questions
Protecting Your Personal Financial Information
Find a Capital City Bank Virtual Teller Machine, ATM or Banking Office

Important Information
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Account features and service charges subject to change. Account subject to fees if overdrawn. Overdraft Protection coverage is not provided with Evolve Checking. Transactions you make may cause your Evolve Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Evolve Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1We will automatically waive up to three (3) ATM Network Usage 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”).
2Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
3Requires enrollment, a debit card and an Evolve Savings account.  Visit for details.
4Fees charged by the mobile service provider are the responsibility of the user.
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.
6Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.