Capital City Bank serves as a cornerstone of community banking across Florida, Georgia, and Alabama, offering a full range of financial services through its 68 banking offices and 86 ATMs while maintaining deep roots in the communities it serves. As one of the largest publicly traded financial holding companies headquartered in Florida with approximately $4.39 billion in assets, Capital City Bank provides personalized banking solutions that blend traditional community banking values with modern digital convenience. Whether you’re searching for capital city bank login assistance, trying to locate the nearest Tallahassee branch, wondering about Zelle compatibility, or comparing their services to larger regional competitors, this comprehensive guide covers every aspect of Capital City Bank’s offerings, online banking features, branch network, and 2025 updates.
What You’ll Discover: This authoritative review explains Capital City Bank from every angle — the complete range of services including checking and savings accounts, certificates of deposit, mortgage banking, business banking, and wealth management; step-by-step guides for capital city bank login, password reset, and mobile banking setup; detailed breakdowns of all 68 branch locations with specific focus on capital city bank tallahassee offices; Zelle person-to-person payment integration; fee structures and minimum balance requirements; comparison with major competitors like Truist, Regions, and Wells Fargo; corporate overview of Capital City Bank Group (NASDAQ: CCBG) including recent Q3 2025 financial performance showing net interest margin of 4.34% and strong asset management fee growth; and answers to frequently asked questions about hours, Zelle availability, and whether Capital City Bank is the same as Citi Bank or Capital One. Whether you’re a long-time customer needing login help, a prospective client evaluating community banks, or a business owner seeking local banking relationships, this guide provides the authoritative information you need.
About Capital City Bank (History, Overview & Footprint)
Capital City Bank traces its roots back to 1895 when it was founded in Tallahassee, Florida, making it one of the oldest continuously operating banks in the Southeast. Over its 130-year history, the institution has grown from a single Tallahassee office into a regional community banking powerhouse serving three states while maintaining its commitment to personalized service and local decision-making.
Corporate Structure: Capital City Bank Group, Inc.
Parent Company: Capital City Bank Group, Inc. (NASDAQ: CCBG) is the publicly traded financial holding company that owns Capital City Bank. Key facts:
- Founded: 1895 (bank subsidiary), 1982 (holding company structure)
- Headquarters: Tallahassee, Florida
- Assets: Approximately $4.39 billion (as of Q3 2025)
- Deposits: $3.79 billion
- Market Cap: Listed on NASDAQ under ticker CCBG
- Employees: Approximately 850 associates across the footprint
Geographic Footprint
Capital City Bank operates 68 banking offices across three states:
Florida (Primary Market):
- 45+ branches concentrated in North Florida and the Panhandle
- Flagship market: Tallahassee (Leon County) with multiple locations
- Other major markets: Jacksonville, Gainesville, Ocala, Panama City, Pensacola, Destin, Port St. Joe
Georgia:
Alabama:
Community Banking Strengths
Capital City Bank differentiates itself through:
- Local Decision-Making: Loan approvals and business decisions made by local bankers who understand the community
- Relationship Banking: Long-term customer relationships spanning generations
- Civic Involvement: Active participation in community initiatives, nonprofit support, and economic development
- Foundation Support: The Capital City Bank Group Foundation provides grants to 501(c)(3) organizations in their footprint ($X million annually)
- Education Partnerships: Strong relationships with Florida State University, Florida A&M University, and local school districts
FDIC Insurance Coverage
All Capital City Bank deposits are FDIC-insured up to $250,000 per depositor, per account ownership category:
- FDIC Certificate #: 9622
- Insured Since: 1934
- Coverage: Checking, savings, CDs, money market accounts
- Business Accounts: Also FDIC-insured separately from personal accounts
Mission & Values
The bank operates on core principles of:
- Personalized Service: Every customer treated as an individual, not an account number
- Financial Leadership: Providing guidance and expertise to help customers achieve financial goals
- Community Partnership: Investing in the communities where they operate through lending, philanthropy, and volunteerism
- Integrity & Trust: Maintaining the highest ethical standards in all banking operations
Capital City Bank Services (Complete Product Overview)
Capital City Bank provides a comprehensive suite of banking services for individuals, families, and businesses.
Personal Banking Services
Checking Accounts
| Account Type | Best For | Key Features | Monthly Fee | Minimum |
|---|---|---|---|---|
| Free Checking | Basic banking needs | No monthly fee, unlimited transactions, free online bill pay | $0 | $100 opening |
| Interest Checking | Savers wanting returns | Earns interest, unlimited check writing, free bill pay | $0 if $1,500 min balance | $1,500 to waive fee |
| Senior Checking | Customers 55+ | Free checks, no minimum balance, interest bearing | $0 | $100 opening |
| Student Checking | College students | No monthly fee, mobile banking, low minimum | $0 | $50 opening |
Savings Accounts
| Account Type | APY (as of Nov 2025) | Features | Minimum | Monthly Fee |
|---|---|---|---|---|
| Regular Savings | 0.05% | Basic savings, automatic transfers | $10 opening | $0 |
| Money Market | 0.10-0.35% | Tiered rates, check writing limited | $2,500 opening | $0 if $2,500 min |
| CDs | 0.25-3.75% | Fixed terms 30 days to 5 years | $1,000 opening | $0 |
Rates vary by balance and term
Mortgage & Home Loans
Capital City Bank offers comprehensive mortgage services:
- Conventional Mortgages: 15, 20, 30-year fixed rates
- FHA Loans: Government-backed for first-time buyers
- VA Loans: For veterans and active military
- USDA Loans: Rural property financing
- Home Equity Lines of Credit (HELOCs): Revolving credit against home equity
- Construction Loans: For building new homes
- Refinancing: Rate-and-term or cash-out options
Wealth Management & Trust Services
Through Capital City Wealth, the bank provides:
- Investment Management: Professional portfolio management
- Trust Administration: Estate and trust services
- Retirement Planning: IRA accounts and rollovers
- Estate Planning: Living trusts, special needs trusts
- Financial Planning: Comprehensive financial guidance
Online & Mobile Banking Features
- CCBMobile App: Available on iOS and Android
- Online Bill Pay: Schedule one-time or recurring payments
- Mobile Check Deposit: Deposit checks via smartphone camera
- Account Alerts: Balance notifications, transaction alerts
- Zelle® Integration: Person-to-person payments (see Zelle section)
- Card Management: Lock/unlock debit cards, report lost/stolen
- eStatements: Paperless monthly statements
Business Banking Services
Business Checking
- Business Simple Checking: Low fees, designed for small businesses
- Business Analysis Checking: For larger businesses with higher transaction volumes
- Non-Profit Checking: Specialized for nonprofit organizations
Business Loans & Credit
- Commercial Real Estate Loans: Owner-occupied and investment properties
- Equipment Financing: Machinery, vehicles, technology
- Lines of Credit: Revolving credit for working capital
- SBA Loans: Government-guaranteed small business loans
- Agricultural Loans: For farming operations
Business Services
- Merchant Services: Payment processing for businesses
- Remote Deposit: Deposit checks from your office
- Business Credit Cards: Commercial cards with rewards
- Treasury Management: Cash management solutions
- Payroll Services: Integrated payroll processing
Business Digital Banking
- Business Online Banking: Enhanced controls for multiple users
- Mobile Deposit for Business: Higher limits than personal accounts
- ACH Origination: Send payments to vendors and employees
- Wire Transfers: Domestic and international wires
Capital City Bank Online Banking — Full Breakdown
Capital City Bank’s digital banking platform combines online banking through their website with mobile banking via the CCBMobile app, offering comprehensive account management tools.
Online Banking Features
Account Management:
- View real-time balances and transaction history
- See pending transactions before they post
- Customize account nicknames and order
- Access eStatements and tax documents
Money Movement:
- Bill Pay: Schedule one-time or recurring payments to any payee
- Zelle®: Person-to-person payments (see detailed section)
- Internal Transfers: Move money between your Capital City accounts
- External Transfers: Send money to accounts at other banks
- Wire Transfers: Domestic and international wires (fees apply)
Mobile Banking (CCBMobile App)
The CCBMobile app provides on-the-go banking:
Key Features:
- Mobile Check Deposit: Deposit checks by taking photos (subject to approval)
- Account Alerts: Push notifications for balances, transactions, payments
- Card Management: Lock/unlock debit cards instantly
- ATM/Office Locator: Find nearest branches and surcharge-free ATMs
- Secure Messaging: Communicate with bankers through encrypted messages
- Mobile Pay: Integration with Apple Pay, Google Pay, Samsung Pay
Device Compatibility:
- iOS: Requires iOS 12.0 or later (iPhone, iPad)
- Android: Requires Android 6.0 or later
- App Store Rating: 4.4 stars (2,500+ reviews)
Security Features
Capital City Bank employs multiple security layers:
- Secure Access Codes: One-time codes sent via SMS or phone for new device logins
- Multi-Factor Authentication: Additional verification for sensitive transactions
- Device Registration: Register trusted devices to skip access codes on subsequent logins
- Biometric Login: Face ID and fingerprint authentication on mobile devices
- Encryption: Bank-level SSL encryption for all data transmission
- Automatic Timeout: Sessions time out after inactivity to prevent unauthorized access
Text Banking
For quick account checks without logging in:
- Send text commands to request balance, recent transactions
- Transfer funds between accounts via text
- Standard messaging rates apply from your mobile carrier
Daily Limits
| Transaction Type | Daily Limit | Notes |
|---|---|---|
| Mobile Deposit | $5,000 | May be lower for new users |
| External Transfers | $10,000 | May require additional verification |
| Bill Pay | $25,000 | Can be increased with banker approval |
| Zelle® | $2,000 | See Zelle section for details |
| ATM Withdrawals | $500 | Can request increase |
| Debit Card Purchases | $5,000 | Visa network limits apply |
Capital City Bank Login Guide (Step-by-Step)
Accessing your Capital City Bank accounts online is straightforward once you’re enrolled.
First-Time Login (Enrollment)
Step 1: Visit Website or Download App
- Go to www.ccbg.com on your computer
- Or download CCBMobile app from App Store (iOS) or Google Play (Android)
Step 2: Click “Enroll” or “First Time User”
- On the login page, click “Enroll in Online Banking”
- You’ll need your:
Step 3: Verify Your Identity
Capital City Bank uses a Secure Access Code system:
- Choose delivery method: SMS text or automated phone call
- You’ll receive a 6-digit one-time code
- Enter the code within 10 minutes (codes expire)
- This verifies you control the phone number on file
Step 4: Create Username and Password
- Username: Must be 6-20 characters, unique to you
- Password: Must include:
- 8-32 characters
- At least one uppercase letter
- At least one lowercase letter
- At least one number
- At least one special character (!@#$%^&*)
- Cannot reuse previous 5 passwords
Step 5: Set Up Security Preferences
- Choose how to receive future Secure Access Codes (text vs. phone)
- Set up security questions (mother’s maiden name, first pet, etc.)
- Optionally register your device (skips access code on that device)
Step 6: Review and Accept Terms
- Read Online Banking Terms & Conditions
- Click “I Accept” to continue
- You’re now enrolled and can view accounts
Returning User Login
Step 1: Access Login Page
- Visit www.ccbg.com
- Click “Login” in top right corner
- Or open CCBMobile app
Step 2: Enter Credentials
Step 3: Secure Access Code (If Required)
You’ll need a Secure Access Code if:
- Logging in from a new device or browser
- It’s been 90+ days since last login
- You cleared cookies/cache
- Logging in from different location
Step 4: Choose Delivery Method
- Text Message: Code sent via SMS to mobile phone
- Phone Call: Automated voice reads code
- Enter the 6-digit code and click Submit
Step 5: Register Device (Optional)
- Check “Register this device” to skip access codes in future
- Only register personal/private devices (never public computers)
- You can register multiple devices
Password Reset (If Forgotten)
Option 1: Online Reset
- On login page, click “Forgot Password?”
- Enter your Username
- Choose “I already have a Secure Access Code” (if you just requested one) or request new code
- Enter the Secure Access Code
- Create new password meeting requirements
- Confirm new password
Option 2: Call Customer Service
- Call 850-402-7800 (24/7 support)
- Verify identity with personal information
- Customer service can reset password
- You’ll receive temporary password via email
- Log in and create permanent password
Account Lockout (Too Many Failed Attempts)
If you enter incorrect password 3 times:
- Account locks for 30 minutes automatically
- Call 850-402-7800 to unlock immediately
- Or wait 30 minutes and try again
Mobile App Login
The CCBMobile app uses same credentials:
- Open app
- Enter Username
- Enter Password
- Use Face ID/Touch ID if enabled (biometric login)
- Secure Access Code may be required for first login on device
Troubleshooting Common Login Issues
| Problem | Solution |
|---|---|
| Forgot Username | Call 850-402-7800 to retrieve |
| Password not working | Use “Forgot Password” or call support |
| Never received Secure Access Code | Check phone signal, verify correct number on file, request again |
| Account locked | Wait 30 min or call support to unlock |
| Website won’t load | Clear browser cache, try different browser, check internet connection |
| App crashes | Update to latest version, reinstall app, restart phone |
| Can’t enroll | Verify account number and SSN match bank records, call support |
Security Best Practices
- Never share username/password
- Use unique password not used elsewhere
- Enable biometric login on mobile devices
- Register only trusted devices
- Log out when finished, especially on shared computers
- Monitor account regularly for unauthorized transactions
Capital City Bank Tallahassee — Branches & Services
Tallahassee serves as Capital City Bank’s flagship market and headquarters city, with multiple branches serving the state capital’s diverse economy.
Tallahassee Market Overview
As Florida’s capital city, Tallahassee’s economy is driven by:
- State Government: Florida Legislature, executive agencies, state employees
- Higher Education: Florida State University (FSU), Florida A&M University (FAMU)
- Healthcare: Tallahassee Memorial Hospital, Capital Regional Medical Center
- Private Sector: Growing technology, professional services, retail sectors
Capital City Bank’s Tallahassee Presence
The bank maintains a strong multi-location presence in Tallahassee:
Main Tallahassee Locations:
- Lake Jackson Branch (Flagship)
- Metropolitan Boulevard Branch
- Capital Circle NW Branch
- Mahan Drive Branch
Tallahassee Branch Services Table
| Branch Name | Address | Phone | Hours | Special Features |
|---|---|---|---|---|
| Lake Jackson | 3815 N Monroe St | 850-402-7800 | M-F 9-5, Sat 9-12 | 24-hr ATM, drive-thru, commercial lending |
| Metropolitan Blvd | 1301 Metropolitan Blvd | 850-402-8100 | M-F 9-5 | Virtual Teller, virtual banker, business focus |
| Capital Circle NW | 1456 Capital Cir NW | 850-402-8100 | M-F 9-5, Sat 9-12 | Virtual Teller, small business lending |
| Mahan Drive | 2811 Mahan Dr | 850-402-8140 | M-F 9-5 | Full-service, ATM |
Tallahassee-Specific Services
Government Employee Banking:
- Special programs for state workers
- Payroll deduction loans
- Direct deposit setup assistance
- FSU and FAMU faculty/staff banking programs
Student Banking:
- FSU and FAMU campus partnerships
- Student checking with no minimums
- Parental co-signing options
- On-campus financial education workshops
Business Banking:
- State government contractor financing
- Commercial real estate loans for downtown properties
- Merchant services for local businesses
- Treasury management for government agencies
Wealth Management:
- Capital City Wealth office at Lake Jackson branch
- Trust services for estate planning
- Investment management for retirees
- Financial planning for state employees
Community Involvement in Tallahassee
Capital City Bank is deeply embedded in Tallahassee’s community:
- FSU/FAMU Partnerships: Sponsorships, internships, financial literacy programs
- United Way: Major corporate supporter
- Economic Development: Financing for local business expansion
- Nonprofit Support: Foundation grants to local charities
- Civic Leadership: Bank executives serve on local boards (Chamber of Commerce, etc.)
Capital City Bank Group (CCBG) — Corporate Overview
Understanding the corporate structure helps customers recognize the bank’s financial stability and regional focus.
Public Company Details
Company Name: Capital City Bank Group, Inc.
Stock Exchange: NASDAQ
Ticker Symbol: CCBG
Corporate Headquarters:
Capital City Bank Group, Inc.
217 North Monroe Street
Tallahassee, Florida 32301
Executive Leadership:
- President & CEO: William G. Smith, Jr. (as of 2025)
- Chief Financial Officer: J. Kimbrough Davis
- Chief Operating Officer: Michael McCollum
- Board of Directors: Mix of local business leaders and banking executives
Financial Performance (Q3 2025)
Strong performance metrics demonstrate the bank’s stability:
| Metric | Q3 2025 | Change from Q2 2025 |
|---|---|---|
| Net Interest Margin | 4.34% | +4 basis points |
| Cost of Funds | 78 basis points | -4 basis points |
| Total Assets | $4.39 billion | Stable |
| Total Deposits | $3.79 billion | Stable |
| Wealth Management Fees | +$1.1M (trust) +$1.0M (brokerage) | Growth driven by new business and higher valuations |
| Mortgage Banking Revenue | Improved | Higher production volume and gain on sale margin |
| Net Income | $16.1 million (quarter) | Strong profitability |
Business Segments
Commercial Banking (60% of revenue):
Consumer Banking (25% of revenue):
Wealth Management (15% of revenue):
Growth Strategy
- Organic Growth: Expanding relationships with existing customers
- Digital Enhancement: Investing in CCBMobile app and online banking
- Market Expansion: Selective branch openings in high-growth Southeast markets
- Wealth Management: Growing fee-based income through Capital City Wealth
- Commercial Lending: Supporting local business expansion
Investor Relations
For shareholders and analysts:
- Quarterly Earnings: Reported in January, April, July, October
- Annual Report: Published each March
- Investor Presentations: Available on investors.ccbg.com
- Dividend: Quarterly cash dividend (historically $0.15-0.20 per share)
- Analyst Coverage: Followed by regional investment firms
Corporate Governance
- Independent Board: Majority independent directors
- Audit Committee: Oversees financial reporting
- Risk Management: Comprehensive enterprise risk framework
- Regulatory Compliance: Subject to FDIC and Federal Reserve oversight
Does Capital City Bank Use Zelle? (Full Explanation)
Yes, Capital City Bank offers Zelle® integration for person-to-person payments through its online banking and CCBMobile app.
What Is Zelle?
Zelle is a digital payment network that allows users to send and receive money directly between bank accounts, typically within minutes. Key features:
- Fast: Money usually arrives in minutes
- Free: No fees for standard transactions ( Capital City Bank doesn’t charge)
- Easy: Use email address or U.S. mobile number
- Safe: Direct bank-to-bank transfers, no sharing account numbers
Who Can Use Zelle at Capital City Bank
Eligible Users:
- Personal checking account holders
- Enrolled in online and mobile banking
- Must be 18+ years old
Not Available For:
- Business banking accounts (as of 2025, but may be offered in future)
- Savings-only account holders
- Minor accounts (under 18)
How to Enroll in Zelle
Step 1: Log In
- Access online banking at www.ccbg.com or open CCBMobile app
Step 2: Navigate to Zelle
Step 3: Enroll
- Enter your email address or U.S. mobile number
- Review and accept Zelle Terms and Conditions
- Verify identity with Secure Access Code if prompted
- You’re now enrolled
How to Send Money with Zelle
- Select Recipient: Choose from contacts or add new (email or mobile number)
- Enter Amount: Type how much to send (daily limit $2,000)
- Choose Account: Select which Capital City checking account to use
- Add Note: Optional memo (e.g., “rent,” “dinner”)
- Review and Send: Double-check details, then tap “Send”
How to Request Money with Zelle
- Choose “Request” instead of “Send”
- Select Recipient: From contacts or add new
- Enter Amount: How much you’re requesting
- Add Note: Explanation for request
- Send Request: Recipient receives notification to pay
Zelle Daily and Monthly Limits
| Limit Type | Amount | Time Period |
|---|---|---|
| Send Limit | $2,000 | Per day |
| Send Limit | $10,000 | Per month |
| Request Limit | $2,000 | Per day |
| Request Limit | $10,000 | Per month |
Limits subject to change based on account history and risk factors
Receiving Money with Zelle
- When someone sends you money, you’ll receive email/SMS notification
- If already enrolled, money deposits directly into your Capital City checking account (usually minutes)
- If not yet enrolled, follow link in notification to enroll and claim funds
Zelle Security at Capital City Bank
- Authentication: Requires Secure Access Code for enrollment
- Encryption: Bank-level SSL encryption for all transfers
- Monitoring: Fraud detection systems monitor unusual activity
- No Account Sharing: Your account number stays private
- FDIC Protection: Funds in your account remain FDIC-insured
Zelle Terms and Conditions
Key terms users accept when enrolling:
- Intended Use: Only send money to people you trust (friends, family)
- No Buyer Protection: Zelle transactions are instant and irreversible
- Fraud Liability: Capital City Bank not liable if you send money to wrong person
- Network Fees: No fees from Capital City Bank, but Zelle network may charge in future
- Data Sharing: Your name, email, phone shared with Zelle network (not account details)
Zelle vs. Other P2P Options
| Feature | Capital City Bank Zelle | Venmo | PayPal | Cash App |
|---|---|---|---|---|
| Speed | Minutes | 1-3 days (free) | 1-3 days (free) | 1-3 days (free) |
| Instant Transfer Fee | $0 | 1.75% | 1.75% | 1.5% |
| Bank Integration | Built-in | Separate app | Separate app | Separate app |
| Daily Limit | $2,000 | Varies | Varies | Varies |
| Buyer Protection | None | Limited | Strong | Limited |
| Fees | $0 | Free (standard) | Free (standard) | Free (standard) |
Zelle Best Practices
✅ Do:
- Send only to people you know and trust
- Double-check recipient’s email/phone before sending
- Use for rent, splitting bills, gifts to family
- Keep app updated for security patches
❌ Don’t:
- Send to strangers or online sellers
- Use for purchasing goods/services (no buyer protection)
- Send money under pressure or threats (common scam)
- Share Secure Access Codes with anyone
Zelle Troubleshooting
If money not received:
- Verify recipient enrolled with correct email/phone
- Check daily/monthly limits not exceeded
- Confirm sender used correct contact info
- Contact Capital City support: 850-402-7800
If sent to wrong person:
- Contact recipient directly to request return
- Capital City cannot reverse Zelle transactions
- If fraud suspected, file police report and contact bank
Zelle Business Account Future
Capital City Bank has indicated Zelle may be offered for business accounts in the future, but as of November 2025, it’s only available for personal checking accounts.
Fees, Minimums & Service Limits
Understanding Capital City Bank’s fee structure helps you avoid unnecessary charges.
Account Fees
| Account Type | Monthly Fee | Minimum to Avoid Fee | Other Fees |
|---|---|---|---|
| Free Checking | $0 | None | Overdraft: $35 per item |
| Interest Checking | $15 | $1,500 daily balance | Overdraft: $35 per item |
| Senior Checking | $0 | None | Overdraft: $35 per item |
| Student Checking | $0 | None | Overdraft: $35 per item |
| Regular Savings | $0 | None | Excess withdrawal: $3 after 6/month |
| Money Market | $15 | $2,500 daily balance | Excess withdrawal: $10 after 6/month |
Overdraft Fees
- Overdraft Fee: $35 per insufficient funds item
- Daily Maximum: 5 overdraft fees per day ($175 maximum)
- Overdraft Protection: Link savings account to checking for automatic transfers ($10 transfer fee)
ATM Fees
- Capital City Bank ATMs: $0 (86 surcharge-free ATMs)
- Out-of-Network ATMs: $3.00 per inquiry, transfer, or withdrawal
- International ATMs: $5.00 + 3% foreign transaction fee
Other Service Fees
| Service | Fee |
|---|---|
| Stop Payment | $35 per check |
| Wire Transfer (Domestic) | $30 outgoing, $15 incoming |
| Wire Transfer (International) | $50 outgoing |
| Official/Cashier’s Check | $10 |
| Money Order | $5 |
| Paper Statement | $3 per month (optional) |
| Account Research | $25 per hour |
| Expedited Card Delivery | $35 |
| Foreign Transaction | 3% of transaction amount |
Mobile Deposit Limits
- Daily Limit: $5,000
- Monthly Limit: $15,000
- Hold Period: First $200 available immediately, remainder held 1-2 business days
- Approval Required: New users may have lower limits initially
Daily Debit Card Limits
- ATM Withdrawals: $500 per day (can request increase)
- Point-of-Sale Purchases: $5,000 per day
- Contact bank to request higher limits for large purchases
Account Minimums
| Account | Opening Deposit | Minimum Balance |
|---|---|---|
| Free Checking | $100 | None |
| Interest Checking | $100 | $1,500 to avoid fee |
| Savings | $10 | None |
| Money Market | $2,500 | $2,500 to avoid fee |
| CDs | $1,000 | Must maintain full term |
How to Avoid Fees
✅ Maintain minimum balances in Interest Checking and Money Market accounts
✅ Use Capital City ATMs to avoid $3 out-of-network fee
✅ Enroll in eStatements to avoid $3 paper statement fee
✅ Link savings to checking for overdraft protection (costs $10 vs. $35)
✅ Use mobile deposit instead of branch visits
✅ Monitor account online to catch issues early
Capital City Bank vs. Competitors (Comparison Table)
Comparing Capital City Bank to major regional and national competitors helps contextualize their offerings.
Checking Account Comparison
| Bank | Monthly Fee | Min to Waive | Overdraft Fee | Free ATMs | Zelle | Branches in FL/GA/AL |
|---|---|---|---|---|---|---|
| Capital City Bank | $0-$15 | $0-$1,500 | $35 | 86 | Yes | 68 |
| Truist | $0-$12 | $0-$1,500 | $36 | Thousands | Yes | 2,000+ |
| Regions Bank | $0-$18 | $0-$1,500 | $36 | Thousands | Yes | 1,300+ |
| Wells Fargo | $0-$25 | $0-$1,500 | $35 | 13,000+ | Yes | 4,900+ |
| Bank of America | $0-$25 | $0-$1,500 | $35 | 16,000+ | Yes | 3,800+ |
| Chase | $0-$25 | $0-$1,500 | $34 | 16,000+ | Yes | 4,700+ |
Savings Account APY Comparison (as of Nov 2025)
| Bank | Regular Savings APY | Money Market APY | CD APY (1-year) | Minimum |
|---|---|---|---|---|
| Capital City Bank | 0.05% | 0.10-0.35% | 0.25-3.75% | $10-$1,000 |
| Truist | 0.01% | 0.01-0.05% | 0.05-4.00% | $0-$2,500 |
| Regions | 0.01% | 0.01-0.10% | 0.05-4.00% | $0-$2,500 |
| Wells Fargo | 0.01% | 0.01-0.05% | 0.05-4.00% | $0-$2,500 |
| Bank of America | 0.01% | 0.01-0.05% | 0.05-4.00% | $0-$2,500 |
| Chase | 0.01% | 0.01-0.05% | 0.05-4.00% | $0-$1,000 |
| Online Banks (Ally, Marcus) | 4.00%+ | 4.00%+ | 4.00-5.00% | $0-$500 |
Key Differentiators
Capital City Bank Advantages:
- ✅ Local decision-making and personalized service
- ✅ Community involvement and civic leadership
- ✅ Free checking with no minimum balance
- ✅ Strong presence in North Florida and Panhandle
- ✅ Relationship banking approach
Capital City Bank Disadvantages:
- ❌ Lower APYs than online banks
- ❌ Fewer branches than national banks
- ❌ Limited geographic footprint (only FL, GA, AL)
- ❌ Technology less advanced than big banks
- ❌ Fewer ATM locations than national networks
Best Use Cases for Capital City Bank
✅ Local residents: Those who value community banking relationships
✅ Small business owners: Need local lender who understands market
✅ State government employees: Convenient Tallahassee locations
✅ FSU/FAMU affiliates: Campus partnerships and programs
✅ Seniors: Prefer in-person service and relationship banking
✅ Wealth management clients: Trust and estate services available
Best Use Cases for Larger Banks
✅ Frequent travelers: Need nationwide ATM access
✅ Digital-first users: Want most advanced mobile app
✅ Rate seekers: Prioritize highest APYs on savings
✅ National presence: Need branches across multiple states
✅ Premium credit cards: Want best rewards programs
FAQs Capital City Bank
Is Capital City Bank open today?
Capital City Bank branches are typically open Monday through Friday 9:00 AM to 5:00 PM, and Saturday 9:00 AM to 12:00 PM. Hours may vary by location and on federal holidays. To confirm if your specific branch is open today, check the branch locator on ccbg.com or call 850-402-7800. Most branches close on federal holidays including New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
Is Citi Bank Capital One?
No. Capital City Bank is completely separate from Citibank (Citi) and Capital One. Capital City Bank is a community bank headquartered in Tallahassee, Florida, and is part of Capital City Bank Group (NASDAQ: CCBG). Citibank is a national bank owned by Citigroup, and Capital One is a national bank holding company. They are three distinct financial institutions with no corporate relationship.
What time does Capital City Bank open?
Does Capital City Bank have Zelle?
Yes, Capital City Bank offers Zelle integration for person-to-person payments. Zelle is available through Capital City Bank’s online banking platform and the CCBMobile app. You can send and receive money using your email address or U.S. mobile number. Zelle is free for personal checking account holders who are enrolled in online banking.
Does Capital City Bank use Zelle?
Yes, Capital City Bank uses Zelle as its person-to-person payment solution. Zelle is built into Capital City Bank’s digital banking platform, allowing customers to send money to friends, family, and trusted contacts directly from their Capital City Bank checking account. Money typically arrives within minutes when both parties are enrolled. Business banking accounts do not currently have Zelle access.
How do I log in to Capital City Bank online banking?
Visit www.ccbg.com, click “Login,” enter your username and password. If logging in from a new device, you’ll need a Secure Access Code sent via text or phone call. First-time users must enroll using their account number, Social Security Number, and personal information to create login credentials.
What is Capital City Bank Group (CCBG)?
Capital City Bank Group, Inc. (NASDAQ: CCBG) is the publicly traded financial holding company that owns Capital City Bank. It has approximately $4.39 billion in assets, operates 68 banking offices across Florida, Georgia, and Alabama, and provides a full range of banking services. CCBG is headquartered in Tallahassee, Florida.
Are Capital City Bank deposits FDIC-insured?
Does Capital City Bank offer business banking?
Yes, Capital City Bank provides comprehensive business banking services including business checking accounts, commercial loans, lines of credit, SBA loans, equipment financing, treasury management, merchant services, and remote deposit capture. Business banking is available at all branches with specialized business bankers.
What are Capital City Bank’s fees?
Capital City Bank’s checking accounts have no monthly fees if you choose Free Checking ($0 monthly fee) or maintain minimum balances ($1,500 for Interest Checking). Overdraft fees are $35 per item. Out-of-network ATM fees are $3.00. Other fees include $35 for stop payments, $30 for domestic wire transfers, and $10 for official checks. Full fee schedule available at ccbg.com.
Final Verdict — Is Capital City Bank a Good Choice in 2025?
Capital City Bank excels as a community banking option for Florida, Georgia, and Alabama residents who value personalized service, local decision-making, and relationship banking over the impersonal experience of national megabanks. With 130 years of history, a strong Tallahassee headquarters, and deep community roots, Capital City Bank provides the stability and trust that many customers seek in their financial institution.
Key Strengths:
✅ Local Decision-Making: Loan approvals made by bankers who understand the community, not distant underwriters
✅ Free Checking Options: Genuine free checking with no minimum balance requirements (unlike many competitors)
✅ Community Involvement: Active participation in local economic development, education partnerships, and philanthropy
✅ Full Service Range: Complete banking suite from basic checking to wealth management and trust services
✅ Zelle Integration: Modern P2P payments built into digital banking platform
✅ FDIC Insured: Government-backed protection up to $250,000 per account
✅ Publicly Traded Stability: NASDAQ-listed company (CCBG) with transparent financial reporting
Key Limitations:
❌ Lower APYs: Savings rates (0.05-0.35%) significantly lag online banks (4.00%+) and even some regional competitors
❌ Geographic Constraints: Only operates in FL, GA, AL — not suitable for frequent travelers or those relocating outside the Southeast
❌ Technology Gap: Mobile app and online features functional but less advanced than Chase, Bank of America, or fintech alternatives
❌ Limited ATM Network: 86 ATMs vs. thousands at national banks (though fee-free network partnerships help)
❌ Branch Dependence: Digital-first users may find app-only neobanks more convenient
Who Should Choose Capital City Bank
✅ Florida/Georgia/Alabama residents seeking community banking relationships
✅ Small business owners needing local lenders who understand their market
✅ State government employees in Tallahassee wanting convenient branch access
✅ Seniors and relationship-oriented customers who value in-person service
✅ Wealth management clients needing trust and estate services
✅ FSU/FAMU affiliates benefiting from campus partnerships
Who Should Look Elsewhere
❌ Rate seekers: Online banks like Ally (4.00% APY) offer dramatically higher savings rates
❌ Frequent travelers: Need nationwide ATM and branch networks
❌ Digital-first users: Fintech apps (Chime, Varo) provide more advanced mobile experiences
❌ Large depositors: Could earn significantly more with high-yield online savings accounts
❌ Those moving soon: Limited geographic footprint makes it hard to maintain relationship if relocating outside FL/GA/AL
2025 Recommendation
For everyday banking needs in the Southeast — checking, basic savings, mortgages, and business banking — Capital City Bank provides solid, community-focused service at competitive (though not leading) prices. The free checking account with no minimums is genuinely valuable, and local decision-making is a significant advantage for small business owners and mortgage seekers.
However, for savings that you won’t need immediate access to, consider supplementing Capital City Bank with an online high-yield savings account (Ally, Marcus, Capital One 360) to earn significantly higher APYs on your emergency fund and long-term savings. This hybrid approach gives you the best of both worlds: community bank relationship for daily banking and online bank rates for savings growth.
Bottom Line: Capital City Bank is a good choice for relationship banking in their footprint, but supplement with online banks for maximum savings rates.
Ready to Bank with Capital City?
Visit www.ccbg.com to find your nearest branch, explore account options, or enroll in online banking. For Tallahassee residents, the Lake Jackson branch at 3815 North Monroe Street serves as the flagship location with full services and extended hours.
Before choosing any bank, ensure you’ve built an adequate emergency fund. Use our free Emergency Fund Calculator to determine your ideal savings target, then compare Capital City Bank’s rates with online banks to maximize your returns while maintaining the banking relationship that fits your lifestyle.