A checking account for every stage of life
At Capital City Bank, we recognize that your financial journey is as unique as you are. Just starting out or nearing retirement, every phase and stage of life comes with its own unique set of financial needs and priorities. That's why we offer a range of personal checking accounts, each thoughtfully designed and built to help you maximize your financial potential, so it's easy finding the account that's right for you.
Whether balancing expenses or looking to make the most of your hard-earned money, our personal checking accounts are tailored to meet your specific needs and ensure that managing your finances is seamless and convenient. From youth checking accounts, designed to grow with you as your needs evolve, to performance checking accounts, which offer tiered higher-yield interest rates for seasoned savers, there's a checking account option that delivers the right array of features and benefits, no matter where you are in life.
Explore our offerings to find the Capital City Bank personal checking account that allows you to confidently manage your money and focus on what matters most to you.
Ready to find the checking account with the features that are right for you?
Your checking account is the cornerstone of your personal finances, providing essential features for protecting, managing and accessing your money. Making the most of these benefits and maximizing your financial potential means choosing a checking account that prioritizes the features that are most important to you and best fits your needs and circumstances.
Whether you're looking for an enhanced account that helps you save on purchases and secure your financial life, a straightforward account for simple, everyday transactions or an account that can grow with you as set out on your financial journey, Capital City Bank has an option that's right for you.
Start by skimming the key features below to hone in on the account type that best aligns with your lifestyle and goals. Then check out more detailed descriptions, and use our account finder and comparison chart for more help deciding. Or connect with a banker in any of our offices, located in communities throughout Alabama, Florida and Georgia, for a personal recommendation.
Level Up Checking for your first financial steps
Evolve Checking to support your growing banking needs
Evolve Checking is designed for ages 18-25 and offers enhanced features to help you manage your money more effectively as your financial responsibilities grow. Gain access to additional benefits that support your evolving financial needs.
Carefree Checking for savings and rewards with an enhanced account
Everyday Checking for a straightforward, reliable and versatile partner
For those who seek a simple yet versatile account for daily transactions, Everyday Checking delivers convenience and reliability, easy access to your funds and straightforward account management.
Performance Checking to maximize your financial potential
Explore more personal checking account features
Peace of mind, savings and rewards with an enhanced checking account.
Carefree Checking features and benefits:
- No minimum balance
- E-statement or paper statement
- No per-check charge+
- $6.95 monthly service charge
- Only $50 minimum opening deposit
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IDProtect® Identity Theft Monitoring and Resolution service1, Cellular Telephone Protection1, Travel and Leisure Discounts1, $hopping RewardsTM,1 and Financial Wellness 360o. Learn more about these value-added services.
Access and convenience with a straightforward checking account.
Everyday Checking features and benefits:
- No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $7.95 per month
- E-statement or paper statement
- No per-check charge+
- Only $50 minimum opening deposit
Maximize deposits with a premium interest-earning checking account.
Performance Checking features and benefits:
- No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $4,000; otherwise, $7.95 per month
- E-statement or paper statement
- No per-check charge+
- Tiered higher-yield interest rates
- Only $50 minimum opening deposit
The ultimate account for when becoming an adult is unavoidable.
Evolve Checking features and benefits:
- No monthly service charge
- Visa® debit card with tap-to-pay2
- No minimum balance
- Waive up to three (3) fees from us for withdrawals at non-Capital City Bank ATMs3
- Eligible for Making Cents automatic savings service4
- Only $50 minimum opening deposit
- Available for ages 18 to 255
An ideal account to help teens ages 13-17 unlock the next level of their financial life.
Level Up Checking features and benefits:
- Joint ownership with a parent or guardian
- No monthly service charge
- Visa® debit card with tap-to-pay2
- No minimum balance
- Eligible for Making Cents automatic savings service with 2% match6
- Free access to Level Up Interactive Financial Knowledge Builder powered by EverFi
- Only $50 minimum opening deposit
- Available for ages 13 to 177
| Carefree checking |
Everyday checking | performance checking | EVOLVE checking | LEVEL UP CHECKING | |
|---|---|---|---|---|---|
| Opening deposit requirement | $50 | $50 | $50 | $50 | $50 |
| Minimum daily balance requirement | None | $1,500 | $4,000 | None | None |
| Monthly service charge | $6.95 |
No monthly service charge with either:
20 debit transactions* OR
$1,500 minimum daily balance
Otherwise, it's $7.95
|
No monthly service charge with either:
20 debit transactions* OR $4,000 minimum daily balance
Otherwise, it's $7.95
|
FREE | FREE |
| No per-check fee+ | √ | √ | √ | √ | √ |
| Electronic or paper statement | √ | √ | √ | √ |
√ |
| Interest-earning | √ | ||||
| Additional features | IDProtect®1, Cellular Telephone Protection1, Mobile Retail Discounts1 and $hopping RewardsTM,1 |
Up to three (3) ATM Network Usage fees imposed by Capital City Bank waived for withdrawals.3 |
Requires joint ownership with parent or guardian. Free access to Level Up Financial Knowledge Builder powered by EverFi. Making Cents automatic savings feature with 6% match6. |
Refer friends. Earn rewards!Let family and friends know how much you love banking with us. When they open and use a new personal or business checking account, you’ll receive a $50 Visa® Rewards Card, up to $500 a year^.
