dual banking

Online & Mobile Banking Resources


The right banking tool for the job

 
What's on your banking to-do list today? Capital City Bank offers a variety of flexible, convenient and secure virtual banking services that give you the power to manage your accounts quickly, confidently and from anywhere.
Accounts Mobile APP Online Banking Virtual Teller Machine ATM

 Drive-In Online Chat Automated Telephone Banking Client Service Center
Check your balance • • • • • • • •
Make a deposit •
• • •


Get cash

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Report fraud • • •
• • • •
Move money • • • •
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Pay bills • • •




View transaction history • •


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Set account alerts • •





Open a new account
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Talk to a banker •
Secure chat		 •
Secure
chat		 •
• •
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cards Mobile App Online Banking Virtual Teller Machine ATM Drive-In Online Chat Automated Telephone Banking Client Service Center
Order a debit card

•
• •

Report a card lost/stolen • • •
• • •
Disable a card • • •




Loans Mobile App Online Banking Virtual Teller Machine ATM Drive-In Online Chat Automated Telephone Banking Client Service Center
Make a loan payment • • •
•

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Apply for a loan • •

•


Explore Online Banking From Capital City Bank

Your Capital City Bank online banking service allows you to view and manage your accounts quickly, conveniently and securely using an array of helpful features and tools that include:
  • Bill payments
  • Person-to-person payments and transfers
  • Account alerts
  • And more... view a complete list
Learn how to get the most out of these powerful tools with our online banking user guides and frequently asked questions. And remember to download the CCBMobile App to ensure the best experience when banking via your mobile device. 
It's easy! Just complete our short Online Banking Enrollment Form.
 
Business and Treasury Management Accounts: Please contact your banker for assistance. 
The first time you log in, we must verify your identity using a Secure Access Code. We send a one-time code to a mobile phone number via SMS (text) message or phone number via automated voice message that is on file for you.

  1. Visit www. ccbg.com or open the CCBMobile app.
  2. Enter your Capital City Bank online banking Username and click or tap Activate My Service.
  3. Select a delivery method, or target, for your Secure Access Code (SMS (text), phone). Your delivery options are based upon the contact information we have on file, but you may update this information for future verifications in Settings > Security Preferences once you are logged in. Note: Changing delivery information for Secure Access Codes will not change the contact information on your account. These settings are only for online banking purposes.
  4. Enter the Secure Access Code in the space provided.
  5. Select a new password when prompted.
  6. Review your Online Banking Profile and click Next.
  7. Review the Online Banking Terms & Conditions and click or tap I Agree or I Accept to continue.
  8. Register the device to keep from needing an access code the next time you log in. Anytime you log in from a new device or browser, however, you will be prompted to enter a Secure Access Code for your protection. You may register multiple devices for use with our online banking service.
  9. After completing these steps, you will be taken to your account summary page. This page may be personalized in Settings > Account Preferences.
View our online banking user guide here: for consumer & business clients; for Treasury Management clients.
For step-by-step instructions for setting up and using your online banking service, view our online banking user guide here: for consumer & business clients; for Treasury Management clients.
If you forget your password and your account is not locked (because of too many bad password attempts), you can use the
Forgot Password option on the login page to reset your password.

To reset a forgotten password:
  • On the log in page, click or tap Forgot your password?
  • Enter your Username and click or tap Submit.
  • When prompted, do one of the following:
    • Click or tap I already have a Secure Access Code.
    • Click or tap one of the delivery methods that are on file for you (phone or text).
      We send you the code using the delivery method that you selected.
  • On the Secure Access Code page, enter the code and click or tap Submit.
  • The New Password page appears.
  • Enter your new password in the New Password field and re-enter the password in the Confirm Password field.
  • Click or tap Submit and you are directed to the Home page.
Yes. You will need to enroll and select an account to pay from before you can add a payee or pay a bill, but enrolling is quick and easy!

  • From the Menu, click or tap Bill Pay > Quick Bill Pay. You automatically will be guided through the enrollment process.
  • Click or tap the account to enroll and select Enroll in Bill Pay.
  • On the Agreement page, click or tap I agree to enroll in Bill Pay.
  • In the success message, click or tap Continue to Bill Pay and the bill payment page appears.
For detailed instructions on using your new Bill Pay services, view our online banking user guide here: for consumer & business clients; for Treasury Management clients.
You may easily place a stop payment from your online banking service and CCBMobile banking app for paper checks issued by you. For checks converted to electronic debits by merchants, paper drafts or ACH debits, stop payments may be placed with the assistance of a banker by contacting us at 888.671.0400. Stop payment fees apply.

NOTE: The required payment information entered needs to be exact to be effective. Required fields indicated with an *.

  • From the Menu, select Services.
  • Click or tap Stop Payments.
  • Indicate whether you wish to stop a single check or a range of checks.
  • Select the account on which the check(s) is drawn and enter the check number or range of check numbers. Click Save and Send to complete your request.
  • If you have additional information from the check such as the payee or amount, you may add to the corresponding fields.
Business clients can create multiple users to share the workload of managing financial information. Company Administrators may add, view, edit and delete users. Based on the amount of access they wish each user to have, they may assign View, Deposit or Withdraw rights. For assistance configuring this feature, view our online banking user guide for consumer & business clients.
Alerts remind you of important events, warn you about the status of your accounts and notify you when transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the way that you receive the alert. These conditions vary depending on the alert type. Alert types include:
  • Date
  • Account
  • History
  • Insufficient Funds
  • Transactions
  • Security
You can choose to receive Alerts in any of these ways:
  • Secure Message
  • E-mail
  • Telephone call
  • Text (SMS) message
You do not need to be logged in for us to send the alert. Secure Message and e-mail alerts are sent immediately when they are generated. You specify the time to send alerts in a telephone call or a text message.

For detailed instructions on creating, editing and enabling and disabling alerts, view our online banking user guide for consumer & business clients.
  • From the Main Menu in online banking or the CCBMobile app, click or tap Settings > E-Document Delivery.
  • For each account, select a delivery method in the Delivery Type drop-down list.
  • Select E-Statement, review the E-Statement Delivery Agreement and click or tap I accept on the pop-up window.
  • Click or tap the edit icon (X) in the Address field to open the Select Recipient window and do one of the following:
    • Click or tap the check box for one or more existing delivery addresses.
    • Click or tap in the Address field and type a new delivery address. Click or tap Add.
  • Click or tap Save.
A conventional authentication system relies on two forms of identification to prove your identity: your Username and your password. Multi-factor authentication uses multiple forms of identification to make it harder for attackers to access your account. The multiple forms of identification can include something you know, like as a password, and something only you have (i.e. answers to security questions you selected or a Secure Access Code).

For the Capital City Bank online banking service and CCBMobile banking app, we send a Secure Access Code to a contact phone number you have on file. The code is valid only for a single use and it expires after 10 minutes. When prompted, you select one of the following ways to deliver the code:

Delivery Method Description
Phone The system calls the telephone number on file. You
answer the phone normally and make a selection to
hear the code in English or Spanish. If necessary, the
code can be repeated. For your security, the system
will not leave the code on voicemail. If you miss the
call, you may request a new code.
Text (SMS) The system sends a text message with the code.
Standard text messaging fees apply.
Your Secure Access Code delivery options are based on the contact information we have on file when you activate your online banking service, but you may update this information for future verifications in Settings > Security Preferences > Secure Delivery once you are logged in. Note: Changing delivery information for Secure Access Codes will not change the contact information on your account. These settings are only for online banking purposes.
 
To add a new secure delivery contact:
  • From the Menu, click or tap Settings > Security Preferences.
  • Click or tap Secure Delivery, then select New Phone Number or New SMS Text Number.
  • Enter the contact information and click or tap Save.
To edit a secure delivery contact:
  • From the Menu, click or tap Settings > Security Preferences.
  • Click or tap Secure Delivery.
  • Locate the contact method that you wish to edit and select Edit.
  • Make your changes to the contact information and click or tap Save.
Under any of the following circumstances, you will be asked to register your device or browser:
  • You are accessing online banking or the CCBMobile app for the first time.
  • You use a different browser on your desktop.
  • You delete and reinstall the CCBMobile app.
  • Your browser does not save browser cookies.
  • You clear existing browser cookies.
  • We reset registration for all users for security reasons.
For the security of your accounts, you will be prompted to enter a Secure Access code to verify your identity if you have never used a particular browser or device to log in previously. Once registered, you will not need an access code next time you log in. You may register multiple devices, and multiple users may register the same browser or device.

By registering a browser or device, you confirm it is under your control and that you intend to use it to access online banking and/or the CCBMobile app. 

DO NOT register a browser or device if you:
  • Do not intend to use it to access your online banking service or the CCBMobile app again.
  • Are on a public computer.
  • Do not own the device or it is otherwise not under your control.
FEATURE
 PROCESSING CUT-OFF TIME
Internal Account Transfers*    10:00 p.m.
Client-to-Client Transfers 10:00 p.m.
Consumer Bank-to-Bank Transfers (Outbound/Inbound)*   4:00 p.m.
Bill Payment*   3:00 p.m.
Stop Payment 10:00 p.m.
Mobile Deposit   8:00 p.m.
*Future dated transfers and bill payments may be changed or canceled before the cut-off time of the day prior to the Effective Date. All references to time are Eastern Standard Time or Daylight Savings Time in the Eastern Time zone (“ET”), on each Business Day.  The Bank reserves the right to change the cut-off time as necessary. Any such change shall be effective immediately and may be implemented prior to your receipt of notice thereof. You may contact Bank at any time to verify the current cut-off times.
feature transaction limit1
Consumer Bank-to-Bank Transfers – Outbound^ Five (5) outbound transfers not to exceed a total of $3,000 per business day
Consumer Bank-to-Bank Transfers – Inbound^     Five (5) inbound transfers not to exceed a total of $3,000 per business day
Bill Payment to a Person±   
Consumers: Up to $1,700 per transaction not to exceed $3,400 per business day

Businesses: Up to $4,400 per transaction not to exceed $8,800 per business day

Mobile Deposit±    25 check images transmitted not to exceed a total of $10,000 per business day
 
^The above limits apply to the total of all Bank-to-Bank Transfers of a specific type for all accounts enrolled in the Bank-to-Bank Transfer Service. There may also be monthly limits on the number and dollar amount of Bank-to-Bank Transfers you may make; however, for security reasons these limits are kept confidential.
±There may be a charge for the use of this feature. Refer to Capital City Bank’s Products & Services brochure and Other Services and Fees insert for a complete listing of other fees related to your Account(s).
1The Bank reserves the right to keep some transaction limits confidential for security reasons, and to change any transaction limit as necessary. Any such change shall be effective immediately and may be implemented prior to your receipt of notice thereof. You may contact Bank at any time to verify the current transaction limits.























Mobile Banking From Capital City Bank

The CCBMobile app makes it easy to manage your accounts while on the go. Conduct your banking and access all your accounts securely and conveniently from your mobile device. 
Features:
  • View account balances
  • Look up transactions
  • Transfer funds between accounts and other banks
  • Pay bills
  • Deposit checks
  • And more... view a complete list
Benefits:
  • Bank with us when and where you want
  • FREE to clients with online banking (service/plan fees charged by the mobile service provider are the responsibility of the user)
  • Saves you a trip to the office 
Simply download the app in your device's app store.

If you are eligible, select Settings > Mobile Deposit Enrollment in your online or mobile banking menu.

To determine eligibility, there is a review process we follow after you sign up for online banking. Essentially, we want to confirm your identity and ensure that your account is in good standing.
You must first enroll by selecting Settings > Mobile Deposit Enrollment in your online or mobile banking menu. We have a short review process to determine an account's eligibility - essentially, we want to confirm your identity and ensure that your account is in good standing.
 
Once enrolled in Mobile Deposit:
  1. Log in to your service using the CCBMobile App.
  2. Endorse the check(s) by writing "For Mobile Deposit Only at Capital City Bank" and then signing your name.
  3. Select Mobile Deposit.
  4. Select the account for deposit and enter the amount of the first check and select Capture Image, then press Enter.
  5. Take a photo of the front of the check. Preview the image, then select either Retake or Use.
  6. Repeat this step to take a photo of the back of the check. Preview the images, then select either Retake or Submit Deposit.
  7. Next, you will receive a "Deposit submitted. Check deposited successfully." message or an error message with an explanation of what information could not be read or found.
  8. If upload is successful, click Close to return to the home screen.
  9. Check your e-mail for confirmation that the deposit was successfully received. Follow-up e-mails will be sent when the deposit is approved and processed. All Mobile Deposit e-mails will come from ccbmobiledeposit@ccbg.com.
Most tablets and smartphones are compatible with Mobile Banking. For optimal utilization of Mobile Banking, a "smart" phone is recommended. A mobile device with Internet access and an Internet browser application that supports secure SSL connections and is "WAP 2.0" compliant is required in order to view your accounts via Mobile Banking. If you wish to receive a confirmation via text message regarding the transfer and bill payment transactions initiated via your mobile device, a text message feature is needed. Standard text messaging rates from your mobile service provider apply.
Your personal information is protected by advanced encryption technology to prevent unauthorized access.
If you have the texting feature with your mobile service provider, each transfer and bill payment performed through Mobile Banking will be confirmed with a text message sent directly to your mobile device. If you do not receive a confirmation message or do not have a texting feature on your mobile device, log on to your Capital City Bank online banking service via your personal computer to view the transaction status in your Activity Center. If the transaction is not detailed on your service, the requested transaction did not occur.
If you obtain a new mobile device, all you need to do is re-download the app. Remember, with a new device, you will be required to input a Secure Access Code and register your new device.
No need to worry. Your account information is not stored on your mobile device, therefore, it cannot be stolen.
Yes. Complete bill payment payee set up is accessible through your mobile device.
Your current Capital City Bank online banking username and password is all you need to access your information via your mobile device.
Select Forgot password on the app login page to reset your password on demand. 

You can also contact our Client Service Center for assistance: click "CHAT" on the red bar to your right (7 a.m. to 10 p.m. weekdays; 9 a.m. to noon Saturdays, ET) or call us at 888.671.0400 toll-free (8 a.m. to 6 p.m. weekdays; 9 a.m. to noon, Saturdays, ET) 
Yes. The link between your mobile device and our mobile deposit service is encrypted to industry standards. Your scanned check is secure and protected during transmission.
Daily Item Limit: 
Up to 25 checks

Daily Deposit Amount Limit:
Not to exceed $10,000

Multi-day Item Limit:
Up to 150 Checks

Multi-day Deposit Amount Limit:
Not to exceed $50,000

Daily and multi-day limits are calculated based on business days of the Bank as defined in our Terms and Conditions. “Multi-day” limits are based on the 20 consecutive business days prior to and including the date of the mobile deposit.

Successfully submitted deposits will display in the More section of the mobile app under Mobile Deposit History. After the deposit has been posted to your account, the transaction will also display in your account transaction history in your online/mobile banking service and your monthly statement.
We recommend that you write "Submitted for Mobile Deposit" and the date on the front of the check. You should hold on to the check for at least 15 calendar days after you receive an e-mail notification from us that your deposit has been approved. If for any reason your check is returned, we will send you an image of the item you initially deposited along with a notice detailing the reason the check was returned.
Checks must be made payable to you, be drawn on a U.S. financial institution and be in U.S. dollars.

The following items are NOT eligible for deposit via CCBMobile Deposit:
  • Canadian checks
  • Foreign checks
  • U.S. savings bonds
  • Treasury Tax & Loan (TTL) payments

No. Sending a clear scanned image of the front and back of the check is all that's needed for the deposit.
Yes. All checks deposited, regardless of how they are deposited, must have "For Mobile Deposit only at Capital City Bank" and be endorsed with your signature.
If the deposit is successfully completed by 8 p.m. ET, the deposit will be credited the same business day, and the funds will be available the next day (provided no hold is placed). Deposits made on weekends and bank holidays will not be credited until the next business day. Deposits are subject to Capital City Bank Terms and Conditions and Funds Availability Policy.
If you make the deposit during a business day before 8 p.m. ET., you will receive an e-mail from us that day to let you know whether the deposit was accepted or if there was an issue. If you make the deposit after 8 p.m. ET during a business day or anytime on a weekend or holiday, you will receive notification the next business day.
If you are receiving an error message, the message should specify where the problem is and provide a prompt for how to resolve the error. Refer to the following for some common mistakes and other ways an error may occur:

  • Sign the back of the check before you take the picture.
  • The image of the check must be clear, and all four corners must be visible in the photo.
  • The check must be free of shadows.
  • If the check is wrinkled, make sure to flatten it before taking a picture.
  • Ensure there is good contrast between the check and the background surface.
  • After you take a picture, you will be able to review and retake it if necessary.
In addition, some items are not supported by Mobile Deposit because of check printing issues. Examples are:

  • Checks without a check number in the MICR line
  • Checks without an account number in the MICR line (Example: counter checks)
  • Checks encoded with a dollar amount
  • Checks with writing or printing that obscures any part of the MICR line
If you continue to receive the same error message, please take the check to a Capital City Bank office, a Virtual Banking machine or Smart ATM for deposit.
If there is an issue with the deposit, you will receive an e-mail giving you directions on what to do next.











Use Zelle® to Send and Receive Money 

Split the cost of the lunch bill, pay your sitter or contribute to a group gift. Zelle®  from Capital City Bank lets you send money electronically to practically anyone, even if they do not have an account with us. Your person-to-person payments are almost as quick as if you'd handed over the cash yourself.
 

Fast, safe and easy

  • Send, receive2 and request money using Zelle® with your Capital City Bank personal checking account and online banking service or CCBMobile app
  • Money is sent securely between accounts in real time using only an e-mail address or U.S. mobile phone number for the recipient1
  • Your account information stays protected – you won’t see the other person’s information and they won’t see yours
What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an e-mail address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.  See our answers to frequently asked questions.



































Meet our Virtual Tellers: Smiling faces. Personalized service. Extended hours.

 

Virtual Tellers with video-chat technology from Capital City Bank provide a secure, convenient and contactless option for banking one-on-one with a trusted banker even outside traditional lobby service hours. Plus with a Smart ATM option built in, basic transactions, like deposits and withdrawals are fast, easy and available 24 hours.

Features and benefits:
  • Live assistance after hours
  • Video-chat with a banker
  • Support for most transactions and services
  • No debit card required
  • Withdraw funds in $5, $20 or $100 bills
  • 24-hour Smart ATM option for everyday transactions with your debit card
 Hours:
  • Monday-Friday 7 a.m. until 8 p.m., ET 
  • Saturday  9 a.m. until 3 p.m., ET
Virtual tellers can assist with:
  • Checking your balance
  • Making a deposit
  • Getting cash
  • Reporting fraud/lost or stolen debit card
  • Moving money
  • Paying bills
  • Ordering a debit card
  • Making loan payments


Annual Holiday Closures:
  • New Year's Day
  • Martin Luther King's Birthday
  • Presidents' Day
  • Memorial Day
  • Juneteenth National Independence Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Christmas Day
Annual Early Closures:
  • Day after Thanksgiving at 4 p.m., ET
  • Christmas Eve at 12 p.m. ET
  • Cash and check deposits, 30 items at a time
  • Deposits post same day when received by 9 p.m. on business days
  • Itemized receipts for an exact record of your transaction
  • Drop off deposits and payments in the drive-in
  • Transactions processed and credited by close of business 
  • E-mailed confirmation of transaction

































Get Started With Mobile Pay


Add your Capital City Bank Visa® debit card to your favorite mobile wallet app like Apple Pay or Google Pay, and start making fast, simple and secure in-person purchases without having to reach for your wallet or purse. 
For ApplePay:

  1. On iPhone®, open the Wallet app and tap the plus sign. From there, follow the onscreen instructions.
  2. On Apple Watch™, open the Apple Watch app on your iPhone and select Wallet & Apple Pay, then tap Add Credit or Debit Card. From there, follow the onscreen instructions.
  3. On iPad®, go into Settings, open Wallet & Apple Pay, and select Add Credit or Debit Card. From there, follow the onscreen instructions.
For Google Pay:

  1. Download the Google Pay app.
  2. Add your Capital City Bank Visa debit card – it's as simple as snapping a photo.
  3. Pay confidently at more than a million locations in the U.S.
 For SamsungPay:

  1. Make sure your compatible Samsung device* is updated with Samsung Pay.
  2. Take a picture of your Capital City Bank Visa debit card with your device's camera.
  3. Secure it with your fingerprint and backup PIN and you’ll be ready to go.
Choose your Capital City Bank Visa debit card within your desired mobile wallet app at checkout and tap or swipe to pay. Use it anywhere Visa and Contactless Payments are accepted.

































Refer to the Capital City Bank Online Banking Terms and Conditions Agreement(Opens in a new Window) for additional information. Bank rules and restrictions may apply.
 

1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

2In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

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