Opt In Disclosure


Regulation E and your debit card Bounce ProtectionSM privilege.

A new regulation (Regulation E, or “Reg E”) required Capital City Bank to make changes to services on your personal checking account. As of August 15, 2010*, the everyday purchases you make with your debit card and your ATM transactions are no longer be covered by our Bounce ProtectionSM privilege unless you choose, or Opt In, to continue to have this valuable service.

If you choose to Opt In, your debit card will work as it did prior to these changes. If you Opt Out your card will be declined if you do not have enough money in your account or the funds are not yet available. You may change your mind at any time.

The choice is yours, and your bankers want to do what’s right for you. Continue reading for more information to help you make the best choice for you and your family. But remember, you must let us know that you want this service to continue or be reinstated, if not you will lose the flexibility and valuable safety net Bounce ProtectionSM provides in case of an emergency.

Is “Opt In” the right choice for you?

Bounce ProtectionSM is a convenient service that provides you and your family with financial flexibility in times when you may not have sufficient funds in your account. Most of our clients never need to use their Bounce ProtectionSM, but they enjoy the peace of mind that comes with knowing it’s there if they should ever overdraw their account with an everyday debit card purchase or ATM transaction. There is no fee to keep the Bounce ProtectionSM on your account and no fee if you never use it.

Some examples of everyday debit card purchases include:

  • Grocery Store
  • Restaurant
  • Gas Station
  • Doctor’s Office
  • Pharmacy
  • Dry Cleaner
  • Or anytime you use your debit card for a one-time transaction
Read the Frequently Asked Questions for more information about your options.

What you need to know about overdrafts and overdraft fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, and Capital City Bank pays it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft services that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account or home equity line of credit, which may be less expensive than our standard overdraft services. To learn more, ask your banker about these plans.

Read below for an explanation of our standard overdraft services.

What are the standard overdraft services that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for these types of transactions unless you tell us to (see below).

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Capital City Bank pays my overdraft?

The following standard overdraft practices will apply:

  • We will charge you a fee of $35.00 each time we pay an item that leaves your account overdrawn by more than $5.00.
  • We will not charge more than 6 Overdraft Item Fees in one business day to any consumer account. (Items returned unpaid due to insufficient funds may result in unlimited additional charges.)

What if I want Capital City Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you need assistance authorizing payments for overdrafts on ATM and everyday debit card transactions, please call our Client Service Center at 888.671.0400. 

PLEASE NOTE: If you have signature authority on multiple personal checking accounts, you will need to provide consent on each account for which you would like Capital City Bank to authorize and pay overdrafts on ATM and everyday debit card transactions.


*As of August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $35.00 will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically), such as an automatic draft from your health club or insurance company, may continue to be covered by your overdraft protection service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. Capital City Bank reserves the right to refuse to pay overdrafts at any time. Contact your banker with any questions.

**If you choose to Opt In to authorize Capital City Bank to continue to pay overdrafts on your ATM and everyday debit card transactions, you will receive written confirmation by mail.