Online & Mobile Banking Resources

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.

Simply download the app in your device's app store.

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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.

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

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.

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.

• 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.

• 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.

• 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 there is an issue with the deposit, you will receive an e-mail giving you directions on what to do next.

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.

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.

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:

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).

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.

1. Click or tap On.
2. Enter the number you wish to enable for text banking in the SMS Text Number field.
3. Click or tap Terms and Conditions and read the terms and conditions.
4. Click or tap Privacy Policy and read the privacy policy.
5. Check the box by Agree To Terms and click or tap Save.

1. Click or tap Close to close the Text Banking settings.
2. Click or tap Visit Preferences to configure account preferences for text banking.

Before you use text banking, you must select the accounts you wish to access with text banking and assign each a text banking display name, or nickname. Display names are limited to four characters each (e.g. SAVE or CHCK). You can also indicate the order in which your accounts appear.

Perform the following steps to configure text banking:

Disable any automatic signature or other text when you send a text banking command (these may cause difficulties processing text banking commands).

Send a text message to  226563 (BANKME) and include one of the following commands (Message and data rates may apply):

Please note: A signature or any other text in a text banking message may cause difficulties processing text banking commands. Disable any automatic signature or other text when you send a text banking command.

For additional guidance and detailed instructions, view our online banking user guide for consumer & business clients.

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:

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.

For more information, visit https://support.apple.com/apple-pay, https://www.samsung.com/us/samsung-pay/, or https://pay.google.com/about/