Banking for teens and young adults to level up your financial IQ and evolve with you.
Financial well-being in adulthood begins with a strong financial foundation. We understand teens and young adults develop financial skills and habits, start to earn their own money and make money decisions from an early age. That’s why Capital City Bank offers youth checking, savings and financial literacy options designed to provide a firm foundation.
Evolve Checking
The ultimate account for when becoming an adult is unavoidable.
- No monthly service charge
- Visa® debit card with tap-to-pay2
- No minimum balance
- Waive up to three (3) fees for withdrawals at non-Capital City Bank ATMs3
- Eligible for Making Cents automatic savings service4
- Only $50 minimum opening deposit
- Available for ages 18-255
Important Information
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Account features and service charges subject to change. Account subject to fees if overdrawn. Overdraft Protection coverage is not provided with Evolve Checking. Transactions you make may cause your Evolve Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Evolve Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1We will automatically waive up to three (3) ATM Network Usage Fees for withdrawals at non-Capital City Bank ATMs per monthly statement cycle. You will still be responsible for any fees charged by the ATM provider (“Foreign ATM Surcharge Fee”).
2Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
3Requires enrollment, a debit card and an Evolve Savings account. Visit ccbg.com/makingcents for details.
4Fees charged by the mobile service provider are the responsibility of the user.
5When the account holder reaches age 26, Evolve Checking and/or Evolve Savings account(s) will be changed to an appropriate account type. Account holder will be informed through required change in terms notification.
6Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Account features and service charges subject to change. Account subject to fees if overdrawn. Overdraft Protection coverage is not provided with Evolve Checking. Transactions you make may cause your Evolve Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Evolve Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1We will automatically waive up to three (3) ATM Network Usage Fees for withdrawals at non-Capital City Bank ATMs per monthly statement cycle. You will still be responsible for any fees charged by the ATM provider (“Foreign ATM Surcharge Fee”).
2Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
3Requires enrollment, a debit card and an Evolve Savings account. Visit ccbg.com/makingcents for details.
4Fees charged by the mobile service provider are the responsibility of the user.
5When the account holder reaches age 26, Evolve Checking and/or Evolve Savings account(s) will be changed to an appropriate account type. Account holder will be informed through required change in terms notification.
6Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Evolve Savings
The definitive account for honing savings skills and being better prepared for the future.
Features + Benefits:
- Only $50 opening deposit
- Link to Evolve Checking for Making Cents transfers3
- Interest-earning on $200 balance or greater6
- No monthly service charge
- Available for ages 18 to 255
Smart Money Management and Secure Banking Topics
CCBMobile App, Online Banking and Other Virtual Banking Options
Zelle® Frequently Asked Questions
Protecting Your Personal Financial Information
Find a Capital City Bank Virtual Teller Machine, ATM or Banking Office
Important Information
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Account features and service charges subject to change. Account subject to fees if overdrawn. Overdraft Protection coverage is not provided with Evolve Checking. Transactions you make may cause your Evolve Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Evolve Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1We will automatically waive up to three (3) ATM Network Usage Fees for withdrawals at non-Capital City Bank ATMs per monthly statement cycle. You will still be responsible for any fees charged by the ATM provider (“Foreign ATM Surcharge Fee”).
2Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
3Requires enrollment, a debit card and an Evolve Savings account. Visit ccbg.com/makingcents for details.
4Fees charged by the mobile service provider are the responsibility of the user.
5When the account holder reaches age 26, Evolve Checking and/or Evolve Savings account(s) will be changed to an appropriate account type. Account holder will be informed through required change in terms notification.
6Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Level Up Checking
An ideal account to help teens ages 13-17 unlock the next level of their financial life.
Features + Benefits:
- Only $50 opening deposit
- Joint ownership with parent or guardian
- Visa® debit card with tap-to-pay1
- Making Cents automatic savings feature with 2% match2
- CCBMobile App3 and Online Banking with Zelle®3
- No monthly service charge
- No minimum balance
- Free access to Capital City Bank ATMs and Virtual Teller Machines
- Available for ages 13 to 174
- Free access to Level Up Financial Knowledge Builder powered by EverFI
Important Information
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Account features and service charges subject to change. Account subject to fees if overdrawn. Overdraft Protection coverage is not provided with Level Up Checking.
Transactions you make may cause your Level Up Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Level Up Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
2Requires enrollment, a debit card and a Level Up Savings account. Earn a maximum of $10 in matching funds per month. Matching funds deposited quarterly. Capital City Bank may report the value of any matching funds received to the Internal Revenue Service as required by law. Visit ccbg.com/makingcents for details.
2Requires enrollment, a debit card and a Level Up Savings account. Earn a maximum of $10 in matching funds per month. Matching funds deposited quarterly. Capital City Bank may report the value of any matching funds received to the Internal Revenue Service as required by law. Visit ccbg.com/makingcents for details.
3Fees charged by the mobile service provider are the responsibility of the user.
4When the minor reaches age 19, Level Up Checking and/or Level Up Savings account(s) will be changed to an appropriate account type. Account holder will be notified through required change in terms notification.
5Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Level Up Savings
Features + Benefits:
- Only $50 opening deposit
- Joint ownership with parent or guardian
- Link to Level Up Checking for Making Cents transfers2
- Interest-earning on $200 balance or greater5
- No monthly service charge
- Available for ages 13 to 174
- Free access to Level Up Financial Knowledge Builder powered by EverFI
Important Information
Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Account features and service charges subject to change. Account subject to fees if overdrawn. Overdraft Protection coverage is not provided with Level Up Checking. Transactions you make may cause your Level Up Checking account to be overdrawn, resulting in a negative balance and overdraft or return fees. Level Up Checking accounts also are ineligible for additional overdraft coverage services such as Bounce ProtectionSM and Overdraft Protection Transfers.
1Tap-to-pay is a contactless debit card payment method and is not eligible for use anywhere card insertion is requested.
2Requires enrollment, a debit card and a Level Up Savings account. Earn a maximum of $10 in matching funds per month. Matching funds deposited quarterly. Capital City Bank may report the value of any matching funds received to the Internal Revenue Service as required by law. Visit ccbg.com/makingcents for details.
3Fees charged by the mobile service provider are the responsibility of the user.
4When the minor reaches age 19, Level Up Checking and/or Level Up Savings account(s) will be changed to an appropriate account type. Account holder will be notified through required change in terms notification.
5Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Level Up Financial Knowledge Builder
Interactive and informative content to help teens and young bankers build a strong financial foundation.
Features + Benefits:
- Mobile financial knowledge builder powered by EverFi
- Interactive playlists to increase your financial smarts about banking basics, budgeting, saving and investing
- Access included free with Level Up Checking and Savings
- Explore additional financial literacy topics (aka Fin Lit)