Private Client Checking

Premium Personal Account for High-Net-Worth Individuals

Combine premium products and services with value-added solutions and your own Private Banker for a banking experience exclusive to high-net-worth individuals. Choose Private Client Checking as the foundation of a financial partnership built on integrity, personal relationship, trusted advice and exceptional experiences. Our Private Banking team looks forward to serving you: Dave Johnston, Mike Dasher, John Hodges and Melissa Wright, AWMA®.

Private Client Checking Features 

  • Qualified private banking clients will have total deposits of at least $250,000 in Capital City Bank accounts OR a minimum of $500,000 (market value) of investments under management with Capital City Wealth
  • No monthly service charge when $250,000 total deposits or $500,000 investments balance is maintained; otherwise, $35 per month1
  • Tiered higher-yield interest rates
  • VISA® Debit Card with tap-to-pay2
  • Access to Capital City Bank Online Banking and CCMobile App3 with Zelle® Payments4
  • Only $50 minimum opening deposit

Exclusive Benefits and Value-Added Solutions5

Premium Banking Services6 

  • No monthly service charges for additional consumer checking and savings accounts; exclusions apply
  • Free Capital City Bank custom consumer wallet or duplicate checks
  • Free Debit Card Replacement
  • Free Cashier’s Checks or Money Orders
  • Free Stop Payments
  • Free Overdraft Transfers
  • Free Wire Transfers
  • $25 annual discount on Safe Deposit Box rental with no Key Deposit required

Higher Transaction Limits 

  • Daily Debit Card limits of $2,500 for ATM and $5,000 for point-of-sale transactions6
  • Mobile Deposit limits of $25,000 daily and $100,000 monthly3,8

Free ATM Access6,7 

  • Capital City Bank fees waived for withdrawals at non-Capital City Bank ATMs
  • Foreign ATM provider surcharges refunded

Peace of Mind, Savings and Rewards Benefits 

  • IDProtect® Identity Theft Monitoring and Resolution Service9,10
  • Credit File Monitoring10
  • Cellular Telephone Protection11
  • Mobile Retail Discounts10,12
  • $hopping RewardsTM 10,12

Speak to a Private Banker to see if you qualify and to open your account today: 850.402.7741.


Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal checking. Account features and service charges are subject to change. Fees may reduce earnings on interest-bearing accounts. Some services require online banking. Ask a private banker for details. 1Monthly service charge may be waived with at least $250,000 total balances in qualifying linked consumer deposit accounts (including consumer checking, savings, time and FDIC-insured IRA accounts) or a minimum of $500,000 total balances in qualifying linked accounts with Capital City Wealth as of the last business day of the month. If balance requirement is not met, a $35 service charge will be applied to the next monthly statement period. Confirm your qualifying balance(s) by referring to the outstanding balance(s) as of the last business day of each month on your account statement(s). 2Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested. 3Fees charged by mobile service provider are the responsibility of the user. 4U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. 5(A) If the Private Client Checking account is converted to another checking product or closed (either by the Bank or the accountholder), all applicable Capital City Bank accounts will be delinked from the Private Client Checking account effective immediately and benefits will no longer apply (discounts, fee waivers on other products or services, etc.), including monthly service charges previously waived on delinked accounts. At that time, delinked accounts will revert to current applicable interest rate or fees. (B) If an account is delinked from Private Client Checking (either by the Bank or the accountholder), but other accounts remain linked, the conditions described in (A) will immediately apply to the delinked account. Benefits available to your Private Client Checking account and any remaining linked accounts will continue. Carefree Checking is excluded from this benefit. 6Applies only to the Private Client Checking account and no other linked accounts, unless otherwise noted. 7We will automatically waive ATM Network Usage fees imposed by Capital City Bank at non-Capital City Bank ATMs and refund fees charged by the ATM provider (“Foreign ATM Surcharge Fee”). 8Requires a Capital City Bank deposit account and is subject to approval. 9Benefits are available to Private Client Checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is an individual serving as a trustee and covers the grantor trustee[s] (SSN must be tied to grantor/trustee). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered). 10Some Benefits require authentication, registration and/or activation. 11Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the Guide to Benefit and/or insurance documents provided at account opening for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. Cellular telephone bill must be paid through your Private Client Checking account to receive this benefit. 12Available online only.

Insurance products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the Bank or any bank affiliate.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.