Level Up

For Teens: Level Up Your Financial Life


Level Up Your Financial IQ with Capital City Bank

Unlock the next level of your financial life with accounts designed especially for teens ages 13-17 years like you. Act, earn and learn with our Level Up Checking, Level Up Savings and Level Up interactive financial knowledge center. Talk with your parent or guardian to get in the game today!

Level Up Checking

An ideal account to help teens ages 13-17 unlock the next level of their financial life.

Features + Benefits:

  • Only $50 opening deposit
  • Joint ownership with parent or guardian
  • Visa® debit card with tap-to-pay1
  • Making Cents automatic savings feature with 2% match2
  • CCBMobile App3 and Online Banking with Zelle®3
  • No monthly service charge
  • No minimum balance
  • Free access to Capital City Bank ATMs and Virtual Teller Machines
  • Available for ages 13 to 174
  • Free access to Level Up Financial Knowledge Center
 

Learn More About the Financial Knowledge Center

Interactive and informative content to help teens and young bankers build a strong financial foundation. It is designed to engage students and increase knowledge of critical financial wellness topics such as banking basics, budgeting, saving and investing.

Features + Benefits:

  • Mobile financial knowledge center
  • Interactive playlists to increase your financial smarts about banking basics, budgeting, saving and investing
  • Access included free with Level Up Checking and Savings
  • Designed for students and teens in grades 7-12, but also may be useful to older learners seeking more financial know-how
Our Level Up financial knowledge center contains interactive playlists designed to engage students and increase knowledge of critical financial wellness topics such as banking basics, budgeting, saving and investing.
No, registration is not required to access the Level Up financial knowledge center.
Each interactive playlist will take most learners five to 10 minutes to complete.
The Level Up financial literacy content is designed for students and teens in grades 7-12, but also may be useful to older learners seeking more financial know-how.
Users should be at least 13 years of age to access the financial knowledge center.






























Level Up Savings

Features + Benefits:

  • Only $50 opening deposit
  • Joint ownership with parent or guardian
  • Link to Level Up Checking for Making Cents transfers2
  • Interest-earning on $200 balance or greater5
  • No monthly service charge
  • Available for ages 13 to 174
  • Free access to Level Up Financial Knowledge Center 
 

Learn More About the Financial Knowledge Center

Interactive and informative content to help teens and young bankers build a strong financial foundation. It is designed to engage students and increase knowledge of critical financial wellness topics such as banking basics, budgeting, saving and investing.

Features + Benefits:

  • Mobile financial knowledge center
  • Interactive playlists to increase your financial smarts about banking basics, budgeting, saving and investing
  • Access included free with Level Up Checking and Savings
  • Designed for students and teens in grades 7-12, but also may be useful to older learners seeking more financial know-how
Our Level Up financial knowledge center contains interactive playlists designed to engage students and increase knowledge of critical financial wellness topics such as banking basics, budgeting, saving and investing.
No, registration is not required to access the Level Up financial knowledge center.
Each interactive playlist will take most learners five to 10 minutes to complete.
The Level Up financial literacy content is designed for students and teens in grades 7-12, but also may be useful to older learners seeking more financial know-how.
Users should be at least 13 years of age to access the financial knowledge center.






























Boost your savings when you use your personal Capital City Bank Visa® debit card to shop!

Pair your Capital City Bank Visa® debit card, Level Up Checking and Savings accounts, with our Making Cents automatic savings service to make saving a snap6. Every eligible debit card purchase you make is rounded up to the next whole dollar, and the extra is transferred to your Capital City Bank savings account or other checking account.
 
Plus, when your Making Cents service is linked to your Level Up Checking and Level Up Savings accounts, you are automatically eligible for a 2% match to give your savings an added boost2.  
 
 

Making Cents Frequently Asked Questions

Here's an example:

Gavin makes the purchases shown in the table below on a single day.

Each eligible debit card transaction is rounded up to the nearest whole dollar.

These rounded up amounts are added together, resulting in a total of $2.25.

That $2.25 is automatically transferred from Gavin’s Capital City Bank checking account to his designated secondary Capital City Bank deposit account.

Item

Cost

Round-up Amount

Coffee

$1.49

$0.51

Gas

$32.18

$0.82

Candy

$2.97

$0.03

Concert Ticket

$63.11

$0.89

Total

$2.25
Yes, as long as the account has available funds equal to or greater than the transaction total including the round-up amount. ATM deposits and withdrawal transactions are not eligible for the Making Cents service.
No. All accounts must be with Capital City Bank.
Enrollment is considered complete after your enrollment form is submitted to Capital City Bank and you have received a Making Cents Enrollment Confirmation notice. Making Cents transfers will begin within three (3) business days of your enrollment date.
The round up transactions occur each day after your card transactions have posted to your account. A card transaction posts to your account when the business settles their transactions. All businesses have 30 days to settle their transactions, so your card transactions do not always post to your account the same day you use your card.
The debit card transaction will post the same as always. The rounded-up portion will not take place. If there are pending transactions that have taken the account into the negative, then those transactions will not round up.
Yes, as long as the checking account is with Capital City Bank.
No. Only personal accounts are eligible.
You can be unenrolled from the service or change your account selections easily by contacting your local banker or our Client Service Center. Later, if you decide you want to re-enroll, simply complete the enrollment form at ccbg.com/makingcents.


































































































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 Level Up Checking.
Transactions you make may cause your Level Up Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Level Up Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
2Requires enrollment, a 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 any matching funds received to the Internal Revenue Service as required by law. Visit ccbg.com/makingcents for details.
3Fees charged by the mobile service provider are the responsibility of the user.
4When 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 notified through required change in terms notification.
5Interest 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.
6The Making Cents savings feature is available for personal accounts only; money market, certificates of deposit and individual retirement accounts are ineligible.