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Send Money in a Moment

SEND from Capital City Bank lets you send money electronically to practically anyone, even if they do not have an account with us. Your person-to-person payments are almost as quick as if you'd handed over the cash yourself.

Explore More about SEND and How to Enroll

View step-by-step instructions to enroll in SEND, make a payment and accept a payment using a desktop computer or mobile device.
Plus, find answers to Frequently Asked Questions.

Frequently Asked Questions

ABOUT SEND

SEND is an electronic person-to-person payments service powered by Acculynk. SEND is available to clients who have a debit card linked to their Capital City Bank personal or business checking account and enrolled in online or mobile banking. Split the lunch bill, pay your sitter or contribute to a group gift. The payment possibilities are almost endless.

Clients who have a debit card linked to their Capital City Bank personal and business checking account and are enrolled in online or mobile banking may use SEND for person-to-person payments to practically anyone.

A Client-to-Client Payment is the best option when you need to send money to another Capital City Bank client who also uses online or mobile banking. You will need the recipient’s e-mail address used for online banking and the last four digits of the checking or savings account to make a Client-to-Client Transfer. SEND gives you the option to send money to a person who does not have an account with Capital City Bank.

Paying another person with SEND is safe, quick and convenient. Money is sent securely in real time using only an e-mail address or mobile phone number for the recipient. Your account information stays protected – you won’t see the other person’s information and they won’t see yours. Plus, payments are processed and protected in the same way as PIN-based, point-of-sale debit card transactions.

Yes! To use SEND, you must first log in to your Capital City Bank Online Banking service or CCBMobile App. Once a payment is created, you will enter your debit card PIN using an encrypted PIN pad to send the money. Just be sure you are certain you have the correct e-mail address or mobile number for the person you wish you pay. There is no “oops” button or way to cancel a SEND payment once completed.

You can pay almost anyone with SEND, even if the recipient does not have an account with Capital City Bank. All it takes is a valid e-mail address or mobile phone number for the person you wish to pay with SEND. The recipient will be notified by either e-mail or text that they have money from you to accept.

Capital City Bank has partnered with Acculynk, also formerly known as Payzur, to bring you our SEND person-to-person payments service. Acculynk’s secure technology enables payments to be sent and received in mere moments from your Capital City Bank checking account.

FOR SENDERS

Yes, and enrollment is simple. You will be prompted to enroll the first time you access SEND Money under the Move Money section of the Main Menu within your Capital City Bank Online Banking service or CCBMobile App. Follow the prompts to accept the SEND Terms of Use and enter your Capital City Bank debit card information.

Once a debit card is saved, you cannot edit the card number but you may edit the nickname assigned to the card. To use a different card for SEND payments, you must remove and replace OR add another Capital City Bank debit card: Select Move Money > SEND Money from the Main Menu, choose the Manage Cards tab, click or tap the trash can icon next to the card you wish to remove and select Remove to confirm. Also from the Manage Cards tab, choose Add a card and complete the Verify Debit Card screen when prompted to a replacement or additional Capital City debit card.

From the Main Menu, select Move Money > SEND Money, choose the Manage Cards tab, click or tap the trash can icon next to the card you wish to remove and select Remove to confirm.

No. Capital City Bank does not charge for payments made using SEND. Standard message and data rates may apply when using a mobile device.

Yes, daily limits for SEND payments are the same as daily limits for Capital City Bank debit card transactions: $3,500 per day for a personal card and $5,000 per day for a business debit card. No monthly dollar limit applies.

  • Select Move Money from the Main Menu, and then click or tap SEND Money.
  • If you did not add a Capital City Bank debit card when you enrolled in SEND or wish to add another card, select the Manage Cards tab to add your card before continuing.
  • Log in to Capital City Bank Online Banking or the CCBMobile App.
  • Complete the fields for Recipient Name, Email OR Mobile #, Amount and Memo information. (The recipient will be notified of your payment by the same method you choose to send the money – text message or e-mail. Be sure to include a MEMO because it will be delivered with the notification of your payment to the recipient.)
    NOTE: In the CCBMobile app, you can click on the person icon in the Recipient Name field to select from your contacts. You may be prompted to authorize the CCBMobile app to access your contacts.
  • Use the Debit Card drop-down list to select the card you would like to use for this payment. Click or tap Continue.
  • You will be prompted to Review the details of the payment you wish to make, and then select Edit or Continue.
    NOTE: Changes cannot be made to the payment details beyond this point, so carefully check the information before you choose Continue.
  • Verify the transaction using your debit card Personal Identification Number (PIN). For account security, the encrypted PIN pad will scramble after each digit you enter. Once all digits of your PIN are entered, click or tap SUBMIT.
    NOTE: You will have two attempts to enter the correct PIN before the service is locked for your protection.
  • A Success confirmation should appear on your screen with the transaction/payment details. Either Close the confirmation or select History to view your SEND payments.

Depending on your type of mobile device, you may be prompted to authorize the CCBMobile app to access your contacts if you select the person icon in the Recipient Name field when making a payment. Approving access will allow you to select both a name and contact method (e-mail or mobile #) from your contacts and possibly avoid typing errors when you make a payment. Access to your camera may be requested when you accept a SEND payment. NOTE: If you authorize access your contacts and/or camera and the function does not work properly, then verify in your device settings that the CCBMobile app has permission to access the contacts and/or camera. This function may not be available on all mobile devices.

To authorize your payment, use the on-screen PIN pad to enter the PIN you selected for your Capital City Bank debit card.

The encrypted PIN pad scrambles after each digit you enter as an added layer of security to help protect your sensitive account information.

SEND payments work just like purchases where you use your Capital City Bank debit card and PIN. If you enter an incorrect PIN and the SEND service tells you that your card has been disabled, it’s likely you have simply exceeded your PIN attempts for the service. Wait 24 hours before you try to send using SEND again, but don’t worry about other debit card transactions. SEND will stop you before the PIN attempts block your card from working elsewhere.

For security purposes, your SEND service will be locked after two invalid PIN attempts. Either wait 24 hours to attempt your SEND payment again, or contact our Client Service Center via Chat from the Main Menu in online or mobile banking or by calling 888.671.0400 during normal business hours to have your SEND service unlocked.

Payments made with SEND are debited from your account at the same time you request money to be sent and receive the Success confirmation.

Yes, SEND payments that are not accepted by the recipient within 10 days will be returned and credited back to your account. Should a payment expire, the recipient and you will receive notification that the payment was not accepted in the allotted timeframe and was returned to sender. Returned SEND payments are credited back to your account typically within one to two business days.

From the Main Menu, select Move Money > SEND Money, choose the History tab. Your history will show details of transactions and current status of payments:

  • Date of payment
  • Recipient name
  • Email/Phone# where money was sent
  • Amount of payment
  • Status of payment:
    • Payment Sent – Payment was sent successfully, but has not been collected (accepted) by recipient
    • Payment Collected – Payment was sent successfully and collected (accepted) by recipient
    • Send Failed – Payment was not sent and funds will not be debited from your account
    • Payment Returned – Payment was not collected (accepted) within 10 days from the date sent and has been credited back to sender’s account
    • PIN Accepted – (still awaiting information on what this status means)
    • Incorrect PIN – Payment was not sent because an incorrect PIN was input for the debit card saved for SEND payments
    • Payment Canceled – Payment was canceled before it was completed/sent (for example, a payment is canceled at the point when the sender is prompted to enter PIN) and funds are not debited from sender’s account
  • Click on the blue arrow to the left of a transaction to see the Memo for that payment

All SEND transactions (payments sent and accepted) should include the phrases “CapitCtyBankSEND” and “Tallahassee FL”. In most instances, payments sent will be described as “POS Debit Pri CapitCtyBankSEND LOC: Tallahassee FL”.

No recurring-payment feature is available currently. However, you may save time by repeating a previous payment. From the Main Menu, select Move Money > SEND Money, choose the History tab. Click on the blue arrow to expand details of the payment you would like to repeat, and then select on Repeat this transaction. Details of your previous payment will be input automatically into the appropriate fields. Click Continue. Verify payment information, click Continue again and input PIN when prompted.

SEND payments cannot be cancelled once completed, so it is important to be certain you have the correct e-mail address or mobile number for the person you wish you pay before you make the payment. We have no way of preventing an unintended recipient from accepting the money you intended for someone else.

FOR RECIPIENTS

As soon as you complete your payment, SEND generates a notification to the recipient either by e-mail from Capital City Bank or text message from 850.403.3295. The type of notification depends on if you submit the recipient’s e-mail address or mobile phone number when you make a payment. The notification provides details of the sender, amount and reason for the payment (your Memo is included in e-mail notifications, but not text notifications; the Memo is visible for all recipients after they click the link to accept your payment) and instructs the recipient on how to accept the money you sent. The recipient has 10 days to accept your payment before the funds will be returned to you.

SEND generates a notification to the recipient either by e-mail or text message and the recipient has 10 days to accept your payment before the funds will be returned to you. E-mail and text notifications each provide details of the sender, amount and reason for the payment. E-mail notifications instruct the recipient to click the “Accept Payment” button, and text notifications instruct recipients to click on the link provided to accept money. The recipient then enters his or her debit card or bank account information (routing and account numbers) and acknowledges the recipient agreement to accept your payment. If the recipient chooses to accept the money with his or her bank account, the transfer will be sent via ACH and will post to the account according to the guidelines of the receiving financial institution. No registration or log in is required to receive payments made with SEND.

No. Since neither a Capital City account nor online/mobile banking login credentials are necessary to accept money paid with SEND, you’ll only know money has been sent via the e-mail or text notification generated when a payment is made to you.

Capital City Bank has partnered with Acculynk, also formerly known as Payzur, to offer our SEND person-to-person payments service. To accept money paid via SEND – either by text or e-mail – the recipient should enter the requested information when directed to capitalcitybank.payzur.com. The recipient should look for the Capital City Bank logo and the words “Receive Money” in blue at the top of the page, and check for a lock icon in the address bar of the web or mobile browser. These visual elements indicate the recipient is on a secure page provided by a partner of Capital City Bank.

Depending on the type of mobile device used to accept a payment, the recipient may be prompted to authorize access to the camera when choosing to scan the debit card he or she wishes to be credited with the money you sent. Approving camera access will allow the recipient to scan a debit card number and expiration date rather than type the information. NOTE: This function may not be available on all mobile devices.

Capital City Bank does not charge for money accepted from a payment made with SEND, though standard message and data rates may apply when using a mobile device. If the recipient accepts the money with a debit card or account at a financial institution other than Capital City Bank, then that financial institution may charge a fee for the payment. We recommend recipients review their deposit account agreements or contact their financial institutions before accepting a payment from SEND.

Payments are sent in real time and must be accepted within 10 days either with a debit card or with deposit account information (requires the recipient to enter routing and account numbers for his or her financial institution). Accept Money with Debit Card: If money is accepted with a debit card, typically the recipient will have access to the money once the payment has been accepted. Funds will post to the recipient’s account, however, according to the guidelines of the receiving financial institution. Accept Money with Deposit Account Information: If the receiver chooses to use his or her deposit account to accept money, then the transfer will be sent via ACH and will post to the account according to the guidelines of the receiving financial institution. Bottom Line: Accepting money with a debit card typically results in quicker availability of funds.

All SEND transactions (payments sent and accepted) should include the phrases “CapitCtyBankSEND” and “Tallahassee FL”. In most instances, payments accepted (collected) will be described as “POS Credit Pri CapitCtyBankSEND LOC: Tallahassee FL”. NOTE: Transaction descriptions may vary by the receiving financial institution.

While this should not happen often, some financial institutions restrict their clients or customers from using a debit card to accept money sent person-to-person with a service like SEND. If the recipient is unable to use the preferred debit card, he or she will be prompted to use a different debit card or enter bank account information (routing and account numbers). Transfers using bank account information are sent via ACH and will post to the recipient’s account according to the guidelines of the receiving financial institution.