Capital City Bank: Your Complete Guide to Products, Rates & Services
Capital City Bank (NASDAQ: CCBG) serves clients across Florida and Georgia with a full suite of personal and commercial banking services. With branches, digital tools, and a focus on community, it offers everything from checking and savings to lending and treasury solutions.
Checking Accounts
- Carefree Checking: $50 opening deposit, $7.95 monthly fee, no minimum balance, includes identity theft and phone protection.
- Everyday Checking: $50 to open; $8.95 monthly (waived with 20 debit transactions or $1,500 minimum daily balance).
- Performance Checking: Interest bearing (0.01% APY); $50 to open; $8.95 fee (waived with $4,000 daily balance).
- Evolve Checking (18–25): Fee-free with debit card and up to three out of network ATM fee waivers.
- Level Up Checking (13–17): Joint account, no fees, includes automatic savings matching.
- All accounts include e-statements, mobile deposits, Zelle, and more.
Savings Accounts, Money Markets & CDs
- Savings Club: $10 minimum, no fees; automatic quarterly distribution; interest compounded daily.
- Everyday Savings: Tiered rate; $5 monthly fee waived with a $500 daily balance.
- Youth Savings: Minor, Evolve, Level Up savings for children and teens.
- Money Market: $4,000 minimum to waive $15 monthly fee; interest compounded daily.
- Premium Money Market: $25,000 minimum, no fee; tiered rates and perks.
- CDs: $1,000 minimum deposit; terms from months to years; interest paid monthly, quarterly, or at maturity.
Interest Rates Overview
- Checking: Up to 0.01% APY on Performance Checking.
- Savings & Money Markets: Varies by tier; higher APY above $500 balance.
- CDs: Daily compounding, fixed based on term.
Debit & Credit Cards
- All checking accounts include a Visa® debit card with tap-to-pay and mobile wallet support.
- Carefree Checking includes optional identity monitoring.
- Credit card details available via secure portal or local branch.
Wire Transfers, Zelle & Limits
- Zelle® available for instant U.S. transfers.
- Bill Pay allows recurring and one-time payments (2–7 days delivery).
- Wire transfers offered domestically/internationally; fees and limits vary—contact branch.
ATM Access & Fees
- 55,000+ surcharge-free ATMs through Allpoint and partners.
- Non-network ATM use: $3 fee; card replacement $10; international transactions 3% fee.
Online & Mobile Banking
- CCBMobile App & online banking include balance, transfers, bill pay, mobile check deposit, debit card controls.
- Includes virtual teller machines, secure chat, 24/7 phone banking.
Additional Services & Fees
- Overdraft protection with $10 daily transfer fee from linked account.
- Other services: safe deposit boxes, cashier’s checks, stop payments, notary, foreign drafts.
Routing Number & FDIC Insurance
- Routing Number: 063100688
- FDIC insured up to $250,000 per depositor per category.
Final Thoughts
Capital City Bank blends community focus with modern banking features. Whether you're opening a youth account, earning interest on deposits or setting up auto-savings, they offer straightforward accounts that come with strong digital tools. For wire services, overdraft protection, and ATM access, fee structures can be managed through informed account choice.
Frequently Asked Questions
What’s the minimum to open a checking or savings account?
Checking: $50 minimum opening deposit. Savings: $10 for Savings Club; $50–$200 for youth or tiered accounts; $500 for Everyday Savings without monthly fee.
How do I earn interest?
Meet balance requirements: $4,000 daily for 0.01% APY in Performance Checking; see section above for savings, money markets, and CDs.
How many ATM fee reimbursements?
Evolve Checking offers 3 waived non-network ATM fees per month. Other accounts offer access to surcharge-free ATMs via Allpoint network.
Can teens have accounts?
Yes. Level Up Checking for ages 13–17 and Evolve Checking for ages 18–25.
How do I enroll in Zelle®?
Available through online banking or the CCBMobile app for personal checking users.
What are wire/Bill Pay timelines?
Bill Pay takes 2–7 business days. Wire transfers are subject to business-day cutoffs and account-specific fees/limits.
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