Checking

Carefree Checking
Everyday checking
performance checking
Evolve Checking
Level up checking

Peace of mind, savings and rewards with an enhanced checking account.

Carefree Checking features and benefits:

No minimum balance
E-statement or paper statement
No per-check charge⁺
$6.95 monthly service charge
Only $50 minimum opening deposit
IDProtect^® Identity Theft Monitoring and Resolution service¹, Cellular Telephone Protection¹, Mobile Retail Discounts¹, $hopping Rewards^TM,1 and Financial Wellness 360^o. Learn more about these value-added services.

Open Checking Account

Access and convenience with a straightforward checking account.

Everyday Checking features and benefits:

No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $7.95 per month
E-statement or paper statement
No per-check charge+
Only $50 minimum opening deposit

Open Checking Account

Maximize deposits with a premium interest-earning checking account.

Performance Checking features and benefits:

No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $4,000; otherwise, $7.95 per month
E-statement or paper statement
No per-check charge+
Tiered higher-yield interest rates
Only $50 minimum opening deposit

Open Checking Account

The ultimate account for when becoming an adult is unavoidable.

Evolve Checking features and benefits:

No monthly service charge
Visa^® debit card with tap-to-pay²
No minimum balance
Waive up to three (3) fees from us for withdrawals at non-Capital City Bank ATMs³
Eligible for Making Cents automatic savings service⁴
Only $50 minimum opening deposit
Available for ages 18 to 25⁵

Open Checking Account

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

Level Up Checking features and benefits:

Joint ownership with a parent or guardian
No monthly service charge
Visa^® debit card with tap-to-pay²
No minimum balance
Eligible for Making Cents automatic savings service with 2% match⁶
Free access to Level Up Interactive Financial Knowledge Builder powered by EverFi
Only $50 minimum opening deposit
Available for ages 13 to 17⁷

Open Checking Account

Compare Accounts

Help Me Decide

	Carefree checking	Everyday checking	performance checking	EVOLVE checking	LEVEL UP CHECKING
Opening deposit requirement	$50	$50	$50	$50	$50
Minimum daily balance requirement	None	$1,500	$4,000	None	None
Monthly service charge	$6.95	No monthly service charge with either: 20 debit transactions* OR $1,500 minimum daily balance Otherwise, it's $7.95	No monthly service charge with either: 20 debit transactions* OR $4,000 minimum daily balance Otherwise, it's $7.95	FREE	FREE
No per-check fee+	√	√	√	√	√
Electronic or paper statement	√	√	√	√	√
Interest-earning			√
Additional features	IDProtect^®¹, Cellular Telephone Protection¹, Mobile Retail Discounts¹and $hopping Rewards^TM,1			Up to three (3) ATM Network Usage fees imposed by Capital City Bank waived for withdrawals.³	Requires joint ownership with parent or guardian. Free access to Level Up Financial Knowledge Builder powered by EverFi. Making Cents automatic savings feature with 6% match⁶.

Open Checking Account

Refer friends. Earn rewards!

Let family and friends know how much you love banking with us. When they open and use a new personal or business checking account, you’ll receive a $50 Visa^® Rewards Card, up to $500 a year^{^}.

Start Earning Checking Rewards

Move money and manage your finances anywhere at anytime.

Deposit funds quickly and securely using your CCBMobile app.

Safer than cash and can be used anywhere Visa is accepted.

Transfer funds to another Capital City Client or financial institution.

Convenient and secure contactless purchases with your debit card.

Virtual Teller Machines

Extended service hours 7 a.m. to 8 p.m. Mon thru Fri and 9 a.m. to 3 p.m. Sat. Find A Virtual Teller Near You

Important Information

Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal checking. Account subject to fees if overdrawn. Account features and service charges are subject to change. Some services require online banking.

Overdraft Protection coverage is not provided with Evolve Checking or Level Up Checking. Transactions you make may cause your Evolve Checking or Level Up Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Evolve Checking and Level Up Checking accounts also are ineligible for additional overdraft coverage services such as Bounce Protection^SM and Overdraft Protection Transfers.

¹Some benefits require registration/activation. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefit described. Speak with a banker today for more information.

²Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
³We will automatically waive up to three (3) ATM Network Usage Capital City Bank Imposed 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”).
⁴Requires enrollment and a personal debit card. Visit ccbg.com/makingcents for details.
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.
⁶Requires enrollment, a personal 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 the any matching funds received to the Internal Revenue Service as required by law. Visit ccbg.com/makingcents for details.
⁷When 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 informed through required change in terms notification.

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Checking

Peace of mind, savings and rewards with an enhanced checking account.

Access and convenience with a straightforward checking account.

Maximize deposits with a premium interest-earning checking account.

The ultimate account for when becoming an adult is unavoidable.

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

Ways to access your checking account