Other Services and Fees

Safe Deposit Boxes
Protect your valuables against fire, theft and loss. A variety of sizes and prices is available.
Key Deposit Fee  $25
Box Drilling Fee (both keys lost) $150
Late Rental Payment Fee   $10


Overdraft Protection Services
Refer to our Overdraft Protection (ODP) brochure for full disclosures related to these services.
ODP Transfer from Checking or Savings Fee, per daily transfer   $10
ODP Transfer from Line of Credit Fee, per draw    $10
ODP Transfer from CheckLoan Fee, per draw    $10


Debit Cards
Debit Card Replacement Fee         $10
Expedited Card Delivery Fee     $35
ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM $2
International Transaction Fee+ 3% of U.S. dollar amount of transaction


Overdraft & Insufficient Funds
Insufficient Item Fee  $35
Overdraft Item Fee*   $35
Commercial Account Continuous Overdraft Fee $5


Special Handling Items
Stop Payment Fee     $35
Item Chargeback Fee, per item    $9
Canadian Item Chargeback Fee, per item  $20
Item Redeposit Fee, per item      $9
Item Credit Back/Return Fee $9
Rejected Item Fee, per item**  $1


Money Orders, Drafts & Checks
Personal Money Orders
Client Fee   $5
Non-Client Fee   $10
Cashier’s Checks
Client Fee     $8
Foreign Draft Fee $45
Foreign Draft Stop Payment Fee     $35


Online Banking Bank-to-Bank Transfers
Outbound: External Bank-to-Bank Transfer Fee      $2
Returned Bank-to-Bank Transfer Fee  $6


Wire Transfers
Outgoing Domestic Fee     $25
Outgoing International Fee $75
Incoming Domestic Fee  $25
Incoming International Fee $25
Returned Wire Fee  $25
Wire Transfer Confirmation Fee $5
Wire Transfer Investigation Fee (plus fee from intermediary and receiving banks) $25


Statements & Copies of Documents
Paper Statement with document images Fee, per statement  $5
Instant Statement Printout Fee    $5
Return Statement Fee, per undeliverable statement $10
Special Handling Instructions Fee, per statement   $15
Duplicate Statement Fee, per duplicate statement        $5
Copy of Imaged Statement Fee, per statement      $5
Copy of Imaged Document Fee, per image $1


Teller Items
Night Depository Bags
Lock Bag Fee $25
Zipper Bag Fee    $5
Night Depository Key, per additional key $15
Counter Checks/Temporary    
Single Check Fee (per check) $1
10 Checks Fee (maximum) $5


Collection Services
Incoming Domestic Item Fee        $20
Incoming International Item Fee    $20
Outgoing Domestic Item Fee                                                      
(plus certified mail and fee from intermediary and paying banks)
$25
Outgoing International Item Fee 
(plus certified mail and fee from intermediary and paying banks)   
$75
Foreign Currency Exchange Fee
(plus registered/insured mail and fee from intermediary bank)
$20
Canadian Item Collection Fee $10


Account Reconciliation, Research & Closing
Account Reconciliation or Research Fee, per hour
(one hour minimum)   
$25
Account Closed Within 90 Days of Opening Fee  $25
Deposit Account Verification Fee $10
Inactive Account Closing Fee    $10
Individual Retirement Account Closing Fee   $25


Dormant Accounts
Dormant Service Charge, per month (FL and AL)   $10
Dormant Service Charge, per month (GA)      $5


Check Casher, Money Service Businesses & Private ATMs
Check Casher Monitoring Fee, per month    $300
Money Service Business Monitoring Fee, per month   $300
Money Service Business On-boarding Fee  
$500
Private ATM Owner Monitoring Fee, per month
$100


Legal Processes
Levy Fee $100
Garnishment Fee†† $175
Child Support Freeze 
                           Maximum allowed by state law, not to exceed

$100


Miscellaneous Fees
Photocopy fee, per page $.50
Notary Service, per signature
Client Fee   No charge
Non-Client Fee      Maximum allowed by state law
Overnight Mail Delivery Fee Charges may vary
Important Information

+Includes purchases made in foreign currency or in U.S. dollars with a foreign merchant and advances of foreign currency from an ATM, through the use of your Capital City Bank Visa® debit card.
*Insufficient Item Fees and Overdraft Item Fees also apply to all savings accounts. Fees apply to overdraft items or insufficient items created by check, in-person withdrawal or electronic withdrawal (ATM, check card, ACH, etc.), as applicable.
^Fee assessed each business day, beginning on the sixth consecutive business day that account is overdrawn $10 or more.
**Fee applies to checks or deposit tickets that are not machine readable due to improper MICR encoding.
On-boarding fees not paid at account opening and subsequent monthly monitoring fees will be applied retroactively to the date money service business activity is first detected.
††In the event that Capital City Bank’s actual attorneys’ fees and cost incurred in responding to a writ of garnishment exceed $175, Capital City Bank may charge an additional garnishment fee equal to the amount of which Capital City Bank’s actual attorneys’ fees and cost exceed $175. 
Bank notaries public are not attorneys licensed to practice law in any state or territory of the United States and may not give legal advice or perform any other act not expressly authorized by law, nor may they accept fees or other consideration for doing so. 
NOTE: These charges apply to clients of Capital City Bank. We reserve the right to charge non-clients the same or different fees when applicable.
11.01.2020