dual banking

Online & Mobile Banking Resources


The right banking tool for the job

 
What's on your banking to-do list today? Capital City Bank offers a variety of flexible, convenient and secure virtual banking services that give you the power to manage your accounts quickly, confidently and from anywhere.
Accounts Mobile APP Online Banking Virtual Teller Machine ATM

 Drive-In Online Chat Automated Telephone Banking Client Service Center
Check your balance • • • • • • • •
Make a deposit •
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Get cash

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Report fraud • • •
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Move money • • • •
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Pay bills • • •




View transaction history • •


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Set account alerts • •





Open a new account
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Talk to a banker •
Secure chat		 •
Secure
chat		 •
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cards Mobile App Online Banking Virtual Teller Machine ATM Drive-In Online Chat Automated Telephone Banking Client Service Center
Order a debit card

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• •

Report a card lost/stolen • • •
• • •
Disable a card • • •




Loans Mobile App Online Banking Virtual Teller Machine ATM Drive-In Online Chat Automated Telephone Banking Client Service Center
Make a loan payment • • •
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Apply for a loan • •

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Explore Online Banking From Capital City Bank

Your Capital City Bank online banking service allows you to view and manage your accounts quickly, conveniently and securely using an array of helpful features and tools that include:
  • Bill payments
  • Person-to-person payments and transfers
  • Account alerts
  • And more... view a complete list
Learn how to get the most out of these powerful tools with our online banking user guides and frequently asked questions. And remember to download the CCBMobile App to ensure the best experience when banking via your mobile device. 

User Guides:
It's easy! Just complete our short Online Banking Enrollment Form.
 
Business and Treasury Management Accounts: Please contact your banker for assistance. 
The first time you log in, we must verify your identity using a Secure Access Code. We send a one-time code to a mobile phone number via SMS (text) message or phone number via automated voice message that is on file for you.

  1. Visit www. ccbg.com or open the CCBMobile app.
  2. Enter your Capital City Bank online banking Username and click or tap Activate My Service.
  3. Select a delivery method, or target, for your Secure Access Code (SMS (text), phone). Your delivery options are based upon the contact information we have on file, but you may update this information for future verifications in Settings > Security Preferences once you are logged in. Note: Changing delivery information for Secure Access Codes will not change the contact information on your account. These settings are only for online banking purposes.
  4. Enter the Secure Access Code in the space provided.
  5. Select a new password when prompted.
  6. Review your Online Banking Profile and click Next.
  7. Review the Online Banking Terms & Conditions and click or tap I Agree or I Accept to continue.
  8. Register the device to keep from needing an access code the next time you log in. Anytime you log in from a new device or browser, however, you will be prompted to enter a Secure Access Code for your protection. You may register multiple devices for use with our online banking service.
  9. After completing these steps, you will be taken to your account summary page. This page may be personalized in Settings > Account Preferences.
View our online banking user guide here: for consumer & business clients; for Treasury Management clients.
For step-by-step instructions for setting up and using your online banking service, view our online banking user guide here: for consumer & business clients; for Treasury Management clients.
If you forget your password and your account is not locked (because of too many bad password attempts), you can use the
Forgot Password option on the login page to reset your password.

To reset a forgotten password:
  • On the log in page, click or tap Forgot your password?
  • Enter your Username and click or tap Submit.
  • When prompted, do one of the following:
    • Click or tap I already have a Secure Access Code.
    • Click or tap one of the delivery methods that are on file for you (phone or text).
      We send you the code using the delivery method that you selected.
  • On the Secure Access Code page, enter the code and click or tap Submit.
  • The New Password page appears.
  • Enter your new password in the New Password field and re-enter the password in the Confirm Password field.
  • Click or tap Submit and you are directed to the Home page.
Yes. You will need to enroll and select an account to pay from before you can add a payee or pay a bill, but enrolling is quick and easy!

  • From the Menu, click or tap Bill Pay > Quick Bill Pay. You automatically will be guided through the enrollment process.
  • Click or tap the account to enroll and select Enroll in Bill Pay.
  • On the Agreement page, click or tap I agree to enroll in Bill Pay.
  • In the success message, click or tap Continue to Bill Pay and the bill payment page appears.
For detailed instructions on using your new Bill Pay services, view our online banking user guide here: for consumer & business clients; for Treasury Management clients.
You may easily place a stop payment from your online banking service and CCBMobile banking app for paper checks issued by you. For checks converted to electronic debits by merchants, paper drafts or ACH debits, stop payments may be placed with the assistance of a banker by contacting us at 888.671.0400. Stop payment fees apply.

NOTE: The required payment information entered needs to be exact to be effective. Required fields indicated with an *.

  • From the Menu, select Services.
  • Click or tap Stop Payments.
  • Indicate whether you wish to stop a single check or a range of checks.
  • Select the account on which the check(s) is drawn and enter the check number or range of check numbers. Click Save and Send to complete your request.
  • If you have additional information from the check such as the payee or amount, you may add to the corresponding fields.
Business clients can create multiple users to share the workload of managing financial information. Company Administrators may add, view, edit and delete users. Based on the amount of access they wish each user to have, they may assign View, Deposit or Withdraw rights. For assistance configuring this feature, view our online banking user guide for consumer & business clients.
Alerts remind you of important events, warn you about the status of your accounts and notify you when transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the way that you receive the alert. These conditions vary depending on the alert type. Alert types include:
  • Date
  • Account
  • History
  • Insufficient Funds
  • Transactions
  • Security
You can choose to receive Alerts in any of these ways:
  • Secure Message
  • E-mail
  • Telephone call
  • Text (SMS) message
You do not need to be logged in for us to send the alert. Secure Message and e-mail alerts are sent immediately when they are generated. You specify the time to send alerts in a telephone call or a text message.

For detailed instructions on creating, editing and enabling and disabling alerts, view our online banking user guide for consumer & business clients.
  • From the Main Menu in online banking or the CCBMobile app, click or tap Settings > E-Document Delivery.
  • For each account, select a delivery method in the Delivery Type drop-down list.
  • Select E-Statement, review the E-Statement Delivery Agreement and click or tap I accept on the pop-up window.
  • Click or tap the edit icon (X) in the Address field to open the Select Recipient window and do one of the following:
    • Click or tap the check box for one or more existing delivery addresses.
    • Click or tap in the Address field and type a new delivery address. Click or tap Add.
  • Click or tap Save.
A conventional authentication system relies on two forms of identification to prove your identity: your Username and your password. Multi-factor authentication uses multiple forms of identification to make it harder for attackers to access your account. The multiple forms of identification can include something you know, like as a password, and something only you have (i.e. answers to security questions you selected or a Secure Access Code).

For the Capital City Bank online banking service and CCBMobile banking app, we send a Secure Access Code to a contact phone number you have on file. The code is valid only for a single use and it expires after 10 minutes. When prompted, you select one of the following ways to deliver the code:

Delivery Method Description
Phone The system calls the telephone number on file. You
answer the phone normally and make a selection to
hear the code in English or Spanish. If necessary, the
code can be repeated. For your security, the system
will not leave the code on voicemail. If you miss the
call, you may request a new code.
Text (SMS) The system sends a text message with the code.
Standard text messaging fees apply.
Your Secure Access Code delivery options are based on the contact information we have on file when you activate your online banking service, but you may update this information for future verifications in Settings > Security Preferences > Secure Delivery once you are logged in. Note: Changing delivery information for Secure Access Codes will not change the contact information on your account. These settings are only for online banking purposes.
 
To add a new secure delivery contact:
  • From the Menu, click or tap Settings > Security Preferences.
  • Click or tap Secure Delivery, then select New Phone Number or New SMS Text Number.
  • Enter the contact information and click or tap Save.
To edit a secure delivery contact:
  • From the Menu, click or tap Settings > Security Preferences.
  • Click or tap Secure Delivery.
  • Locate the contact method that you wish to edit and select Edit.
  • Make your changes to the contact information and click or tap Save.
Under any of the following circumstances, you will be asked to register your device or browser:
  • You are accessing online banking or the CCBMobile app for the first time.
  • You use a different browser on your desktop.
  • You delete and reinstall the CCBMobile app.
  • Your browser does not save browser cookies.
  • You clear existing browser cookies.
  • We reset registration for all users for security reasons.
For the security of your accounts, you will be prompted to enter a Secure Access code to verify your identity if you have never used a particular browser or device to log in previously. Once registered, you will not need an access code next time you log in. You may register multiple devices, and multiple users may register the same browser or device.

By registering a browser or device, you confirm it is under your control and that you intend to use it to access online banking and/or the CCBMobile app. 

DO NOT register a browser or device if you:
  • Do not intend to use it to access your online banking service or the CCBMobile app again.
  • Are on a public computer.
  • Do not own the device or it is otherwise not under your control.
FEATURE
 PROCESSING CUT-OFF TIME
Internal Account Transfers*    10:00 p.m.
Client-to-Client Transfers 10:00 p.m.
Consumer Bank-to-Bank Transfers (Outbound/Inbound)*   4:00 p.m.
Bill Payment*   3:00 p.m.
Stop Payment 10:00 p.m.
Mobile Deposit   8:00 p.m.

*Future dated transfers and bill payments may be changed or canceled before the cut-off time of the day prior to the Effective Date.

All references to time are Eastern Standard Time or Daylight Savings Time in the Eastern Time zone (“ET”), on each Business Day.  The Bank reserves the right to change the cut-off time as necessary. Any such change shall be effective immediately and may be implemented prior to your receipt of notice thereof. You may contact Bank at any time to verify the current cut-off times.

feature transaction limit1
Consumer Bank-to-Bank Transfers – Outbound^ Five (5) outbound transfers not to exceed a total of $3,000 per business day
Consumer Bank-to-Bank Transfers – Inbound^     Five (5) inbound transfers not to exceed a total of $3,000 per business day
Bill Payment to a Person±   
Consumers: Up to $1,700 per transaction not to exceed $3,400 per business day

Businesses: Up to $4,400 per transaction not to exceed $8,800 per business day

Mobile Deposit±    25 check images transmitted not to exceed a total of $10,000 per business day
 
^The above limits apply to the total of all Bank-to-Bank Transfers of a specific type for all accounts enrolled in the Bank-to-Bank Transfer Service. There may also be monthly limits on the number and dollar amount of Bank-to-Bank Transfers you may make; however, for security reasons these limits are kept confidential.
±There may be a charge for the use of this feature. Refer to Capital City Bank’s Products & Services brochure and Other Services and Fees insert for a complete listing of other fees related to your Account(s).
1The Bank reserves the right to keep some transaction limits confidential for security reasons, and to change any transaction limit as necessary. Any such change shall be effective immediately and may be implemented prior to your receipt of notice thereof. You may contact Bank at any time to verify the current transaction limits.























Mobile Banking From Capital City Bank

The CCBMobile app makes it easy to manage your accounts while on the go. Conduct your banking and access all your accounts securely and conveniently from your mobile device. 
Features:
  • View account balances
  • Look up transactions
  • Transfer funds between accounts and other banks
  • Pay bills
  • Deposit checks
  • And more... view a complete list
Benefits:
  • Bank with us when and where you want
  • FREE to clients with online banking (service/plan fees charged by the mobile service provider are the responsibility of the user)
  • Saves you a trip to the office 
Simply download the app in your device's app store.

If you are eligible, select Settings > Mobile Deposit Enrollment in your online or mobile banking menu.

To determine eligibility, there is a review process we follow after you sign up for online banking. Essentially, we want to confirm your identity and ensure that your account is in good standing.
You must first enroll by selecting Settings > Mobile Deposit Enrollment in your online or mobile banking menu. We have a short review process to determine an account's eligibility - essentially, we want to confirm your identity and ensure that your account is in good standing.
 
Once enrolled in Mobile Deposit:
  1. Log in to your service using the CCBMobile App.
  2. Endorse the check(s) by writing "For Mobile Deposit Only at Capital City Bank" and then signing your name.
  3. Select Mobile Deposit.
  4. Select the account for deposit and enter the amount of the first check and select Capture Image, then press Enter.
  5. Take a photo of the front of the check. Preview the image, then select either Retake or Use.
  6. Repeat this step to take a photo of the back of the check. Preview the images, then select either Retake or Submit Deposit.
  7. Next, you will receive a "Deposit submitted. Check deposited successfully." message or an error message with an explanation of what information could not be read or found.
  8. If upload is successful, click Close to return to the home screen.
  9. Check your e-mail for confirmation that the deposit was successfully received. Follow-up e-mails will be sent when the deposit is approved and processed. All Mobile Deposit e-mails will come from ccbmobiledeposit@ccbg.com.
Most tablets and smartphones are compatible with Mobile Banking. For optimal utilization of Mobile Banking, a "smart" phone is recommended. A mobile device with Internet access and an Internet browser application that supports secure SSL connections and is "WAP 2.0" compliant is required in order to view your accounts via Mobile Banking. If you wish to receive a confirmation via text message regarding the transfer and bill payment transactions initiated via your mobile device, a text message feature is needed. Standard text messaging rates from your mobile service provider apply.
Your personal information is protected by advanced encryption technology to prevent unauthorized access.
If you have the texting feature with your mobile service provider, each transfer and bill payment performed through Mobile Banking will be confirmed with a text message sent directly to your mobile device. If you do not receive a confirmation message or do not have a texting feature on your mobile device, log on to your Capital City Bank online banking service via your personal computer to view the transaction status in your Activity Center. If the transaction is not detailed on your service, the requested transaction did not occur.
If you obtain a new mobile device, all you need to do is re-download the app. Remember, with a new device, you will be required to input a Secure Access Code and register your new device.
No need to worry. Your account information is not stored on your mobile device, therefore, it cannot be stolen.
Yes. Complete bill payment payee set up is accessible through your mobile device.
Your current Capital City Bank online banking username and password is all you need to access your information via your mobile device.
Select Forgot password on the app login page to reset your password on demand. 

You can also contact our Client Service Center for assistance: click "CHAT" on the red bar to your right (7 a.m. to 10 p.m. weekdays; 9 a.m. to noon Saturdays, ET) or call us at 888.671.0400 toll-free (8 a.m. to 6 p.m. weekdays; 9 a.m. to noon, Saturdays, ET) 
Yes. The link between your mobile device and our mobile deposit service is encrypted to industry standards. Your scanned check is secure and protected during transmission.
Daily Item Limit: 
Up to 25 checks

Daily Deposit Amount Limit:
Not to exceed $10,000

Multi-day Item Limit:
Up to 150 Checks

Multi-day Deposit Amount Limit:
Not to exceed $50,000

Daily and multi-day limits are calculated based on business days of the Bank as defined in our Terms and Conditions. “Multi-day” limits are based on the 20 consecutive business days prior to and including the date of the mobile deposit.

Successfully submitted deposits will display in the More section of the mobile app under Mobile Deposit History. After the deposit has been posted to your account, the transaction will also display in your account transaction history in your online/mobile banking service and your monthly statement.
We recommend that you write "Submitted for Mobile Deposit" and the date on the front of the check. You should hold on to the check for at least 15 calendar days after you receive an e-mail notification from us that your deposit has been approved. If for any reason your check is returned, we will send you an image of the item you initially deposited along with a notice detailing the reason the check was returned.
Checks must be made payable to you, be drawn on a U.S. financial institution and be in U.S. dollars.

The following items are NOT eligible for deposit via CCBMobile Deposit:
  • Canadian checks
  • Foreign checks
  • U.S. savings bonds
  • Treasury Tax & Loan (TTL) payments

No. Sending a clear scanned image of the front and back of the check is all that's needed for the deposit.
Yes. All checks deposited, regardless of how they are deposited, must have "For Mobile Deposit only at Capital City Bank" and be endorsed with your signature.
If the deposit is successfully completed by 8 p.m. ET, the deposit will be credited the same business day, and the funds will be available the next day (provided no hold is placed). Deposits made on weekends and bank holidays will not be credited until the next business day. Deposits are subject to Capital City Bank Terms and Conditions and Funds Availability Policy.
If you make the deposit during a business day before 8 p.m. ET., you will receive an e-mail from us that day to let you know whether the deposit was accepted or if there was an issue. If you make the deposit after 8 p.m. ET during a business day or anytime on a weekend or holiday, you will receive notification the next business day.
If you are receiving an error message, the message should specify where the problem is and provide a prompt for how to resolve the error. Refer to the following for some common mistakes and other ways an error may occur:

  • Sign the back of the check before you take the picture.
  • The image of the check must be clear, and all four corners must be visible in the photo.
  • The check must be free of shadows.
  • If the check is wrinkled, make sure to flatten it before taking a picture.
  • Ensure there is good contrast between the check and the background surface.
  • After you take a picture, you will be able to review and retake it if necessary.
In addition, some items are not supported by Mobile Deposit because of check printing issues. Examples are:

  • Checks without a check number in the MICR line
  • Checks without an account number in the MICR line (Example: counter checks)
  • Checks encoded with a dollar amount
  • Checks with writing or printing that obscures any part of the MICR line
If you continue to receive the same error message, please take the check to a Capital City Bank office, a Virtual Banking machine or Smart ATM for deposit.
If there is an issue with the deposit, you will receive an e-mail giving you directions on what to do next.











Explore SEND Personal Payments 

Split the lunch bill, pay your sitter or contribute to a group gift. 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.
 
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.
  • Payments are processed and protected in the same way as PIN-based, point-of-sale debit card transactions.
SEND Demos:
 
View step-by-step instructions for enrolling in and using SEND, our convenient and secure person-to-person payments service, plus  answers to frequently asked questions.

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.

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 to 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.
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 add 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 $750 per day for both personal card and business debit cards. No monthly dollar limit applies.
  • Log in to your online banking service or the CCBMobile App.
  • 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.
  • 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.

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
    • 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.
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.


Meet our Virtual Tellers: Smiling faces. Personalized service. Extended hours.

 

Virtual Tellers with video-chat technology from Capital City Bank provide a secure, convenient and contactless option for banking one-on-one with a trusted banker even outside traditional lobby service hours. Plus with a Smart ATM option built in, basic transactions, like deposits and withdrawals are fast, easy and available 24 hours.

Features and benefits:
  • Live assistance after hours
  • Video-chat with a banker
  • Support for most transactions and services
  • No debit card required
  • Withdraw funds in $5, $20 or $100 bills
  • 24-hour Smart ATM option for everyday transactions with your debit card
 Hours:
  • Monday-Friday 7 a.m. until 8 p.m., ET 
  • Saturday  9 a.m. until 3 p.m., ET
Virtual tellers can assist with:
  • Checking your balance
  • Making a deposit
  • Getting cash
  • Reporting fraud/lost or stolen debit card
  • Moving money
  • Paying bills
  • Ordering a debit card
  • Making loan payments


Annual Holiday Closures:
  • New Years Day
  • Martin Luther King's Birthday
  • Presidents' Day
  • Memorial Day
  • Juneteenth National Independence Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day
Annual Early Closures:
  • Day after Thanksgiving at 4 p.m., ET
  • Christmas Eve at 2 p.m. ET
  • Cash and check deposits, 30 items at a time
  • Deposits post same day when received by 9 p.m. on business days
  • Itemized receipts for an exact record of your transaction
  • Drop off deposits and payments in the drive-in
  • Transactions processed and credited by close of business 
  • E-mailed confirmation of transaction

































Get Started With Mobile Pay


Add your Capital City Bank Visa® debit card to your favorite mobile wallet app like Apple Pay or Google Pay, and start making fast, simple and secure in-person purchases without having to reach for your wallet or purse. 
For ApplePay:

  1. On iPhone®, open the Wallet app and tap the plus sign. From there, follow the onscreen instructions.
  2. On Apple Watch™, open the Apple Watch app on your iPhone and select Wallet & Apple Pay, then tap Add Credit or Debit Card. From there, follow the onscreen instructions.
  3. On iPad®, go into Settings, open Wallet & Apple Pay, and select Add Credit or Debit Card. From there, follow the onscreen instructions.
For Google Pay:

  1. Download the Google Pay app.
  2. Add your Capital City Bank Visa debit card – it's as simple as snapping a photo.
  3. Pay confidently at more than a million locations in the U.S.
 For SamsungPay:

  1. Make sure your compatible Samsung device* is updated with Samsung Pay.
  2. Take a picture of your Capital City Bank Visa debit card with your device's camera.
  3. Secure it with your fingerprint and backup PIN and you’ll be ready to go.
Choose your Capital City Bank Visa debit card within your desired mobile wallet app at checkout and tap or swipe to pay. Use it anywhere Visa and Contactless Payments are accepted.

































Refer to the Capital City Bank Online Banking Terms and Conditions Agreement(Opens in a new Window) for additional information. Bank rules and restrictions may apply.
*Person-to-person transfers is available with personal accounts only; outbound and inbound transfer fees apply. Capital City Bank is not responsible for harm caused by delays due to the receiving institution's procedures, policies or errors. Transfers may be made from your Capital City deposit account to another person’s Capital City account(s). For deposit purposes only. Some restrictions may apply.