Products & Services
Great banking solutions and individual attention
from your very own banker.
from your very own banker.
At Capital City Bank, we understand the difference between being your bank and being your banker. We believe a personal relationship with your banker is one of the most important connections you can have in this community. That’s why our bankers do more than simply offer great banking solutions. We give you individual attention, listen to your needs and offer the best products and services available to help you reach your financial goals.
You’ll find in-depth descriptions of the products and services we offer to help meet your financial needs now and in the future. For more information, contact your Capital City Banker, chat with us online at www.ccbg.com or call us toll-free at 888.671.0400.
PERSONAL CHECKING & SAVINGS
CAREFREE CHECKING
Peace of mind, savings and rewards with an enhanced account
Peace of mind, savings and rewards with an enhanced account
- No minimum balance
- Free e-statements**
- No per-check charge+
- $7.95 monthly service charge
- Only $50 minimum opening deposit
-
IDProtect® Identity Theft Monitoring and Resolution service1, Credit File Monitoring1, Cellular Telephone Protection1, Travel and Leisure Discounts1, $hopping RewardsTM,1 and Financial Wellness 360o. Learn more about these value-added services.
EVERYDAY CHECKING
Access and convenience with a straightforward account
Access and convenience with a straightforward account
- No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
- Free e-statements**
- No per-check charge+
- Only $50 minimum opening deposit
PERFORMANCE CHECKING
Maximize deposits with a premium interest-bearing account
Maximize deposits with a premium interest-bearing account
- No monthly service charge with a minimum daily balance of $4,000; otherwise, $8.95 per month
- Tiered higher-yield interest rates
- Free e-statements**
- No per-check charge+
- Only $50 minimum opening deposit
EVOLVE CHECKING
Ultimate account for ages 18-25 when becoming an adult is unavoidable
- No monthly service charge
- No minimum balance
- Free e-statements**
- Up to three (3) fees from us waived for withdrawals at non-Capital City Bank ATMs3
- Visa® debit card with tap-to-pay2
- Making Cents automatic savings feature4
- Only $50 minimum opening deposit
- Available for ages 18-255
LEVEL UP CHECKING
Ideal account for teens ages 13-17 to unlock the next level of financial life
Ideal account for teens ages 13-17 to unlock the next level of financial life
- Joint ownership with a parent or guardian
- No monthly service charge
- Visa® debit card with tap-to-pay2
- No minimum balance
- Free e-statements**
- Eligible for Making Cents automatic savings service with 2% match6
- Free access to Level Up Interactive Financial Knowledge Center
- Only $50 minimum opening deposit
- Available for ages 13 to 177
Available with all checking accounts:
- FREE VISA® Debit Card with contactless technology7
- FREE access to Online Banking and CCBMobile App8
- FREE Bill Pay Service
- FREE Mobile Deposit8,9
- FREE Zelle® Payment10
- FREE access to Capital City Bank Automated Account System
- FREE access to Capital City Bank ATMs and Virtual Teller Machines
- UNLIMITED check writing3
- MAKING CENTS Savings Service11
- Ability to make person-to-person and external
transfers12 - Only $50 minimum opening deposit
EVERYDAY SAVINGS
- No monthly service charge with minimum daily balance of $500; otherwise, $5 per month
- Tiered higher-yield interest rates
- Interest compounded daily on daily collected balances of $500 or more and paid on the last day of the calendar quarter
SAVINGS CLUB
- Minimum $10 opening deposit
- No maintenance fee
- Optional automatic savings program
- Automatic distribution of funds on the first business day of the month you choose (February, May, August or November) by check or account transfer*
- Interest compounded daily and paid annually on the last business day before your chosen distribution date
- Requires a Capital City Bank personal checking account
EVOLVE SAVINGS
- Only $50 opening deposit
- Link to Evolve Checking for Making Cents transfers1
- Interest-earning on $200 balance or greater2
- No monthly service charge
- Available for ages 18 to 253
LEVEL UP SAVINGS
- Only $50 opening deposit
- Joint ownership with parent or guardian
- Link to Level Up Checking for Making Cents transfers with 2% match4
- Interest-earning on $200 balance or greater2
- No monthly service charge
- Available for ages 13 to 175
- Free access to Level Up Financial Knowledge Center
UNIFORM TRANSFERS TO MINORS ACCOUNT (UTMA SAVINGS)
- Custodial account
- No minimum balance
- No monthly service charge
Available with all savings accounts:
- FREE access to Online Banking and CCBMobile App8
- FREE E-statements
- FREE Mobile Deposit8,9
- FREE access to Capital City Bank Automated Account System
- FREE access to Capital City Bank ATMs and Virtual Teller Machines
- Only $50 minimum opening deposit
Refer to disclosures and fees for additional product information. Bank rules and restrictions may apply. Business and corporate entities do not
qualify for personal products. Checking and savings accounts subject to fees if overdrawn. Some services require online banking. Fees may reduce the
earnings on interest-bearing accounts. 1Some Benefits require authentication, registration and/or activation. 2See Carefree Checking brochure and the
Guide to Benefits for complete details on these services. 3Client purchases checks. 4Excludes ATM transactions. 5We will automatically waive up to three (3) ATM Network Usage fees imposed by Capital City Bank for withdrawals at non-Capital City Bank ATMs per monthly statement cycle. Client responsible for any fees charged by the ATM provider (“Foreign ATM Surcharge Fee”). 6Requires enrollment, a Capital City Bank personal debit card and Level Up Checking and Level Up Savings accounts. 7Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested. 8Capital City Bank does not charge for the use of this service at this time. Fees charged by mobile service provider are the responsibility of the user. 9Requires a Capital City Bank deposit account and is subject to approval. 10U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 11Requires enrollment and a Capital City Bank personal checking account with debit card. 12Person-to-person transfers to other Capital City clients only; for bank-to-bank transfers, outbound transfer fees apply.
qualify for personal products. Checking and savings accounts subject to fees if overdrawn. Some services require online banking. Fees may reduce the
earnings on interest-bearing accounts. 1Some Benefits require authentication, registration and/or activation. 2See Carefree Checking brochure and the
Guide to Benefits for complete details on these services. 3Client purchases checks. 4Excludes ATM transactions. 5We will automatically waive up to three (3) ATM Network Usage fees imposed by Capital City Bank for withdrawals at non-Capital City Bank ATMs per monthly statement cycle. Client responsible for any fees charged by the ATM provider (“Foreign ATM Surcharge Fee”). 6Requires enrollment, a Capital City Bank personal debit card and Level Up Checking and Level Up Savings accounts. 7Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested. 8Capital City Bank does not charge for the use of this service at this time. Fees charged by mobile service provider are the responsibility of the user. 9Requires a Capital City Bank deposit account and is subject to approval. 10U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 11Requires enrollment and a Capital City Bank personal checking account with debit card. 12Person-to-person transfers to other Capital City clients only; for bank-to-bank transfers, outbound transfer fees apply.
ADDITIONAL SAVINGS & INVESTMENT PRODUCTS
MONEY MARKET ACCOUNT
A $4,000 deposit is all that’s needed to open a flexible Money Market Account. A $15 monthly service charge applies if the minimum daily balance falls below $4,000. With daily compounded interest, tiered higher-yield rates and free access to online banking, it’s easy to follow your daily progress.
A $4,000 deposit is all that’s needed to open a flexible Money Market Account. A $15 monthly service charge applies if the minimum daily balance falls below $4,000. With daily compounded interest, tiered higher-yield rates and free access to online banking, it’s easy to follow your daily progress.
PREMIUM MONEY MARKET ACCOUNT
Here’s a tiered higher-yield money market account for larger consumer investors. A $25,000 deposit will open a Premium Money Market Account, and by maintaining a minimum daily balance of at least $25,000 you’ll enjoy the following special benefits:
- Tiered higher-yield money market rates
- Free access to Online Banking
- Free money orders or cashier’s checks
- Free notary service or signature guarantee
- Easy-to-balance combined statement to include all deposit accounts and most credit accounts
- Free Capital City Bank custom checks
CERTIFICATE OF DEPOSIT
For investors who want to know their return in advance, we offer varying terms for maturities with compounded interest with a minimum deposit of $1,000.
For investors who want to know their return in advance, we offer varying terms for maturities with compounded interest with a minimum deposit of $1,000.
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
At Capital City Bank, we’re thinking about your retirement, even if you haven’t just yet. We offer Traditional, Roth, Education and SEP IRAs.
Refer to disclosures and fees for additional product information. Bank rules and restrictions may apply. Money market and savings accounts subject to fees if overdrawn. Ask a banker for details.
OTHER INVESTMENT SERVICES
CAPITAL CITY TRUST COMPANY
In the ever-changing world of investments, it’s always good to have someone you trust. At Capital City Trust Company, our trust specialists have been offering sound advice to our clients for more than 50 years. Our seasoned team of managers has what it takes to provide portfolio management to help guide the financial future of our clients. With experience in trust, estates, retirement plan services, endowments and foundations, our Trust Company can help you achieve your financial goals.
In the ever-changing world of investments, it’s always good to have someone you trust. At Capital City Trust Company, our trust specialists have been offering sound advice to our clients for more than 50 years. Our seasoned team of managers has what it takes to provide portfolio management to help guide the financial future of our clients. With experience in trust, estates, retirement plan services, endowments and foundations, our Trust Company can help you achieve your financial goals.
CAPITAL CITY INVESTMENTS
Our clients have access to a full range of investments through LPL Financial LLC. These services include stocks, bonds, mutual funds, annuities, retirement planning, life insurance products, long-term health care and college funding. Where should your money go next? Our experienced advisors spend each and every day helping people just like you with the same decisions. We’re simply a phone call away.
Securities and advisory services offered through LPL Financial, member FINRA/SIPC and a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL Financial or its licensed affiliates. Capital City Bank and Capital City Investments are not registered broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Capital City Investments, and may also be employees of Capital City Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Capital City Bank or Capital City Investments. Securities and insurance offered through LPL or its affiliates are:
|
NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY • NOT BANK GUARANTEED •
NOT BANK DEPOSITS OR OBLIGATIONS • MAY LOSE VALUE
|
Your Bank (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services.
Visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
Visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
Securities and advisory services offered through LPL Financial, member FINRA/SIPC and a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL Financial or its licensed affiliates. Capital City Bank and Capital City Investments are not registered broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Capital City Investments, and may also be employees of Capital City Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Capital City Bank or Capital City Investments. Securities and insurance offered through LPL or its affiliates are:
|
NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY • NOT BANK GUARANTEED •
NOT BANK DEPOSITS OR OBLIGATIONS • MAY LOSE VALUE
|
LPL Advisors are not permitted to provide legal or tax advice.
CONVENIENT BANKING ACCESS
VISA® DEBIT CARD
Visa debit cards with tap-to-pay1 and chip technology are a simple, secure way to pay “cash” through the convenience of using a card. When using your card for Point-of-Sale (POS), merchant purchases or mobile wallet payments, the amount of the purchase will be automatically deducted from your primary checking account, the account accessed for all Visa merchant purchases. Our debit cards also allow you to get cash instantly at our ATM or Virtual Teller Machine, any time day or night. All transactions made with your debit card at any Capital City Bank ATM or Virtual Teller Machine, are free; those made at a non-Capital City Bank ATM will be charged a per-transaction usage fee. When using a non-Capital City Bank ATM, you also may be charged a fee by the ATM operator or network for any activity even if you do not complete a funds transfer. ATM withdrawals also may be subject to your account’s per-debit or per-item fee.
Visa debit cards with tap-to-pay1 and chip technology are a simple, secure way to pay “cash” through the convenience of using a card. When using your card for Point-of-Sale (POS), merchant purchases or mobile wallet payments, the amount of the purchase will be automatically deducted from your primary checking account, the account accessed for all Visa merchant purchases. Our debit cards also allow you to get cash instantly at our ATM or Virtual Teller Machine, any time day or night. All transactions made with your debit card at any Capital City Bank ATM or Virtual Teller Machine, are free; those made at a non-Capital City Bank ATM will be charged a per-transaction usage fee. When using a non-Capital City Bank ATM, you also may be charged a fee by the ATM operator or network for any activity even if you do not complete a funds transfer. ATM withdrawals also may be subject to your account’s per-debit or per-item fee.
Boost your savings when you use your personal Capital City Bank Visa® debit card to shop! Our Making Cents savings service helps you save with only the tap or swipe of your personal debit card. For each debit card purchase you make, this feature rounds up the amount to the next whole dollar and transfers the extra cents to your Capital City Bank savings account or other checking account2.
Visit www.ccbg.com/makingcents for more details and to enroll.
Visit www.ccbg.com/makingcents for more details and to enroll.
ONLINE & MOBILE BANKING
Enjoy free personal and business online banking services3, which offer account information, funds transfer, electronic bill payment, Zelle® payments (personal accounts only)4, external transfers5, access to our CCBMobile banking app with Mobile Deposit6, a library of up to 18 months of e-statements and more!
Enjoy free personal and business online banking services3, which offer account information, funds transfer, electronic bill payment, Zelle® payments (personal accounts only)4, external transfers5, access to our CCBMobile banking app with Mobile Deposit6, a library of up to 18 months of e-statements and more!
CLIENT SERVICE CENTER & AUTOMATED ACCOUNT SYSTEM
Our Client Service Center is the place to call when you have questions or need assistance. When calling, you may speak with a banker or access the 24-hour automated account system designed to give you quick, accurate information about your accounts. Call toll-free 888.671.0400.
WWW.CCBG.COM
Access information online about our products and services 24 hours a day, seven days a week. Open a personal checking account, apply for a credit card, mortgage or home equity line of credit, and learn more about online banking, personal banking, business banking, money management, career opportunities, current bank news and more. Plus, access a wealth of advice and guidance in our comprehensive Help Center.
CHAT
Chat online at www.ccbg.com with a banker in our Client Service Center during extended business hours. Request general information about products or services, find information on our website more quickly or work with a banker to select the product or service that is best for you.
Chat online at www.ccbg.com with a banker in our Client Service Center during extended business hours. Request general information about products or services, find information on our website more quickly or work with a banker to select the product or service that is best for you.
Refer to disclosures and fees for additional information. Bank rules and restrictions may apply. 1Tap-to-pay is a contactless payment method and is not eligible for use anywhere card insertion is requested. 2Making Cents savings service is available for personal accounts only; money market, certificates of deposit and individual retirement accounts are ineligible. 3Capital City Bank does not charge for the use of this service at this time. Fees charged by mobile service provider are the responsibility of the user. 4U.S. checking or savings account required to use Zelle.® Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 5Personal accounts only; outbound transfer fees apply. 6Requires a Capital City Bank deposit account and is subject to approval.
CREDIT PRODUCTS
LOANS AND LINES OF CREDIT
We’re all about communities – making them stronger, richer and more vibrant for the people who call these towns and cities home. Whether you need a car loan, a home equity line of credit, a personal loan or a consumer line of credit, we can help. We offer a wide variety of products, rates and terms°. Share your goals with us and let us help make it happen.
We’re all about communities – making them stronger, richer and more vibrant for the people who call these towns and cities home. Whether you need a car loan, a home equity line of credit, a personal loan or a consumer line of credit, we can help. We offer a wide variety of products, rates and terms°. Share your goals with us and let us help make it happen.
CREDIT CARDS
Whether you want a credit card for your young adult or college student or wish to earn rewards for your purchases, Capital City Bank has a credit card to meet your personal and business needs^. Even if you’ve never had a credit card before, visit us online or call our Client Service Center to apply today. You’ll enjoy the instant buying power and financial flexibility of an American Express®
or VISA® card.
Whether you want a credit card for your young adult or college student or wish to earn rewards for your purchases, Capital City Bank has a credit card to meet your personal and business needs^. Even if you’ve never had a credit card before, visit us online or call our Client Service Center to apply today. You’ll enjoy the instant buying power and financial flexibility of an American Express®
or VISA® card.
MORTGAGE SERVICES
Make a house your home with a mortgage from Capital City Home Loans‡. Your local mortgage consultant is ready to help you decide which finance option is right for you. From the first conversation to the closing table, our focus is successful homeownership for each and every client in our community.
°All loans subject to credit approval and may be subject to property approval. ^Capital City Bank credit cards are issued and serviced by contracted credit card partner, Elan Financial Services. ‡Mortgage services offered through Capital City Home Loans, LLC | 1255 Lakes Parkway | Building 300, Suite 300 | Lawrenceville, GA 30043 | NMLS #75615 | GA Residential Mortgage Licensee #21999. All mortgage products subject to credit and property approval.BUSINESS CHECKING & SAVINGS
CAREFREE BUSINESS CHECKING
- Monthly service charge of $10
- No minimum balance
- Free e-statements**
- 500 free items per month; 35¢ per item over 500^
- $10,000 free coin and currency transacted per month
- $2 per $1,000 in coin and currency transacted over $10,000 per month
EVERYDAY CHECKING FOR BUSINESS
- No monthly service charge with a minimum daily balance of $2,500 OR 20 Debit Card Transactions* OR an active merchant services account+ ; otherwise, $12 per month
- Free e-statement**
- 250 free items per month; 35¢ per item over 250^
- $5,000 free coin and currency transacted per month
- $2 per $1,000 in coin and currency transacted over $5,000 per month
PREMIUM BUSINESS CHECKING
- No monthly service charge if you maintain a minimum daily balance of $5,000 OR keep an active merchant services account;+ otherwise, $15 per month
- Free e-statements**
- 500 free items per month; 35¢ per item over 500^
- $10,000 free coin and currency transacted per month
- $2.00 per $1,000 in coin and currency transacted over $10,000 per month
- $50 minimum opening deposit
COMMERCIAL BUSINESS CHECKING
- Competitive earnings credit may offset monthly service and activity charges
- No minimum balance
- $18 monthly service charge
- Free e-statement**
- 15¢ per item^
- $20,000 free coin and currency transacted per month
- $2.00 per $1,000 in coin and currency transacted over $20,000 per month
- Subject to Uncollected Funds Charge on negative collected daily balance
BUSINESS CHECKING PLUS INTEREST – SOLE PROPRIETOR/NOT-FOR-PROFIT
- No monthly service charge with a minimum daily balance of $3,000; otherwise, $15 per month
- Competitive interest
- Free e-statement**
- 250 free items per month; 35¢ per item over 250^
- $10,000 free coin and currency transacted per month
- $2 per $1,000 in coin and currency transacted over $10,000 per month
BUSINESS CHECKING PLUS INTEREST – COMMERCIAL
- Competitive interest
- Subject to account analysis service charges
- Must be approved by Treasury Management
IOLTA CHECKING PLUS INTEREST
- Competitive interest
- Complies with the requirements of the IOLTA (Interest on Lawyers Trust Account) program
- Interest is paid to the state Bar Foundation used to benefit public service programs
Available with all checking accounts:
- FREE VISA® Debit Card
- FREE Access to Online Banking, Bill Pay and Mobile Banking^
- FREE E-statements
- FREE Mobile Deposit†
- FREE return of check images
- FREE access to Capital City Bank Automated Account System
- FREE access to Capital City Bank ATMs and Virtual Teller Machines
- Only $50 minimum opening deposit
EVERYDAY SAVINGS FOR BUSINESS
Let your excess cash work for you. Enjoy tiered higher-yield rates and no monthly service charge with a minimum daily balance of $200; otherwise, $3 per month. A deposit of $50 will open a savings account.
Let your excess cash work for you. Enjoy tiered higher-yield rates and no monthly service charge with a minimum daily balance of $200; otherwise, $3 per month. A deposit of $50 will open a savings account.
ADDITIONAL SAVINGS & INVESTMENTS PRODUCTS
Refer to Personal Checking & Savings section for savings vehicles that also are available for business, including Money Market Account, Premium Money Market Account and Certificate of Deposit.
Refer to disclosures and fees for additional product information. Bank rules and restrictions may apply. Client purchases checks. Accounts subject to fees if overdrawn. *Excludes ATM transactions. +Merchant service accounts are provided by Elavon and subject to credit approval; account becomes active once the merchant processes it’s first transaction and remains active until relationship is terminated by merchant, no transactions are processed for 12 months or account is closed by Elavon.**Items include checks deposited, checks paid, ACH debits and credits. ^Capital City Bank does not charge for the use of this service at this time. Fees charged by mobile service provider are the responsibility of the user. †Requires a Capital City Bank deposit account and is subject to approval. Ask a banker for details.
BUSINESS BANKING SERVICES
TREASURY MANAGEMENT SERVICES
When it comes to Treasury Management, we offer a variety of services for your business that help you manage your money better and keep your cash flowing:
When it comes to Treasury Management, we offer a variety of services for your business that help you manage your money better and keep your cash flowing:
- Robust Online Banking Platform
- ACH and Wire Transfer Origination
- Payroll Cards and Vendor Pay
- Positive Pay and ACH Fraud Control
- Remote Deposit
- Investment and Sweep Accounts
- Lockbox Services
- Cash Vault
LENDING AND CREDIT SERVICES
Capital City Bank specializes in meeting the needs of businesses of any size. We offer myriad business lending and credit services including commercial real estate, construction and equipment loans, Small Business Administration 7(a) loans, factoring, monitored asset based lines of credit,
equipment leasing, credit cards with rewards and more. With a wide variety of rates, terms and products, we make capital available for everyday operations and business expansion.
Capital City Bank specializes in meeting the needs of businesses of any size. We offer myriad business lending and credit services including commercial real estate, construction and equipment loans, Small Business Administration 7(a) loans, factoring, monitored asset based lines of credit,
equipment leasing, credit cards with rewards and more. With a wide variety of rates, terms and products, we make capital available for everyday operations and business expansion.
MERCHANT SERVICES
Choosing the right credit card processor is critical to your bottom line. That’s why Capital City Bank has partnered with Elavon to deliver the industry’s leading merchant processing services. By combining our banking expertise with Elavon’s premier payment processing network, we offer your business a one-stop solution for all your banking and payment processing needs.
Choosing the right credit card processor is critical to your bottom line. That’s why Capital City Bank has partnered with Elavon to deliver the industry’s leading merchant processing services. By combining our banking expertise with Elavon’s premier payment processing network, we offer your business a one-stop solution for all your banking and payment processing needs.
All credit products subject to credit approval and property approval, if applicable.