Capital City Bank

Headquarters: Tallahassee, Florida
Charter: Bank
Assets: $4.4B
Fed district: Atlanta

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Carefree Checking $7.95 · Everyday Checking $8.95
Compared at $8.45, the middle of its prices
Capital City Bank: $7.95 to $8.95
Capital City Bank: $7.95 to $8.95
U.S. median: no median
Overdraft (OD)
Capital City Bank: $35
Capital City Bank: $35
U.S. median: no median
NSF / Returned Item
Capital City Bank: $35
Capital City Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Capital City Bank’s own schedules, with a source for each figure.

Account Maintenance

Carefree Checking Monthly service charge$7.95
per month
Monthly service charge (Everyday Checking)$8.95
per month · No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
Account Closed Within 180 Days of Opening Fee$30
Early closure of CD (fee to close prior to maturity)$50
Not compared: CD/IRA fee
one time
Dormant Service Charge, per month (FL and AL)$10
per month
Dormant Service Charge, per month (GA)$5
per month
Inactive Account Closing Fee$10
Account Reconciliation or Research Fee, per hour(one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research Fee, per hour (one hour minimum) | $25
Paper statements$2
per month
Excess withdrawal or transfer fee$10
per item
Return Statement Fee, per undeliverable statement$10

Overdraft & NSF

Overdraft Item Fee$35
Insufficient Item Fee$35
Overdraft Protection Transfer fee, per daily transfer (from Checking, Savings, Lines of Credit and CheckLoans)$10
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM$3
per item
Debit Card Replacement Fee$10
Expedited Card Delivery Fee$35
International Transaction Fee3%of the transaction

Wire Transfers

Wire Transfers: Outgoing Domestic Fee$35
Wire Transfers: Incoming Domestic Fee$25
Wire Transfers: Outgoing International Fee$75
Wire Transfers: Incoming International Fee$25

Check Services

Foreign Draft Stop Payment Fee$35
Stop Payment Fee$35
Pre-printed Temporary Checks (12 checks)$5
Canadian Item Collection Fee$10

Cash & Deposit

Item Chargeback Fee, per item$9
per item
Night Depository Key, per additional key$15

Account Services

Box Drilling Fee (both keys lost)$250
Not compared: Box drilling or key fee
Child Support Freeze Maximum allowed by state law, not to exceed$100
Garnishment Fee$175
Levy Fee$150
Deposit Account Verification Fee$25

Retirement & IRA

Individual Retirement Account Closing Fee$50

Other Fees

Copy of Imaged Document Fee, per image$1
Copy of Imaged Statement Fee, per statement$5
Duplicate Statement Fee, per duplicate statement$5
Instant Statement Printout Fee$5
Photocopy fee, per page$0.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Carefree Checking Monthly service charge	$7.95	per month	None
Monthly service charge (Everyday Checking)	$8.95	per month	No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
Account Closed Within 180 Days of Opening Fee	$30	Not stated	None
Early closure of CD (fee to close prior to maturity)	$50Not compared: CD/IRA fee	one time	None
Dormant Service Charge, per month (FL and AL)	$10	per month	None
Dormant Service Charge, per month (GA)	$5	per month	None
Inactive Account Closing Fee	$10	Not stated	None
Account Reconciliation or Research Fee, per hour(one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation or Research Fee, per hour (one hour minimum) \| $25
Paper statements	$2	per month	None
Excess withdrawal or transfer fee	$10	per item	None
Return Statement Fee, per undeliverable statement	$10	Not stated	None
Overdraft & NSF
Overdraft Item Fee	$35	Not stated	None
Insufficient Item Fee	$35	Not stated	None
Overdraft Protection Transfer fee, per daily transfer (from Checking, Savings, Lines of Credit and CheckLoans)	$10Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM	$3	per item	None
Debit Card Replacement Fee	$10	Not stated	None
Expedited Card Delivery Fee	$35	Not stated	None
International Transaction Fee	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic Fee	$35	Not stated	None
Wire Transfers: Incoming Domestic Fee	$25	Not stated	None
Wire Transfers: Outgoing International Fee	$75	Not stated	None
Wire Transfers: Incoming International Fee	$25	Not stated	None
Check Services
Foreign Draft Stop Payment Fee	$35	Not stated	None
Stop Payment Fee	$35	Not stated	None
Pre-printed Temporary Checks (12 checks)	$5	Not stated	None
Canadian Item Collection Fee	$10	Not stated	None
Cash & Deposit
Item Chargeback Fee, per item	$9	per item	None
Night Depository Key, per additional key	$15	Not stated	None
Account Services
Box Drilling Fee (both keys lost)	$250Not compared: Box drilling or key fee	Not stated	None
Child Support Freeze Maximum allowed by state law, not to exceed	$100	Not stated	None
Garnishment Fee	$175	Not stated	None
Levy Fee	$150	Not stated	None
Deposit Account Verification Fee	$25	Not stated	None
Retirement & IRA
Individual Retirement Account Closing Fee	$50	Not stated	None
Other Fees
Copy of Imaged Document Fee, per image	$1	Not stated	None
Copy of Imaged Statement Fee, per statement	$5	Not stated	None
Duplicate Statement Fee, per duplicate statement	$5	Not stated	None
Instant Statement Printout Fee	$5	Not stated	None
Photocopy fee, per page	$0.50	per item	None

Overdraft & NSF

Commercial Account Continuous Overdraft Fee$5

Digital & Electronic

Zelle Small Business Fee, per credit$0.49

Fee	Amount	Basis	Note
Overdraft & NSF
Commercial Account Continuous Overdraft Fee	$5	Not stated	None
Digital & Electronic
Zelle Small Business Fee, per credit	$0.49	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Capital City Bank's monthly maintenance changes in our data

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Carefree Checking $7.95 · Everyday Checking $8.95
Compared at $8.45, the middle of its prices
Capital City Bank: $7.95 to $8.95
Capital City Bank: $7.95 to $8.95
U.S. median: no median
Overdraft (OD)
Capital City Bank: $35
Capital City Bank: $35
U.S. median: no median
NSF / Returned Item
Capital City Bank: $35
Capital City Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Capital City Bank’s own schedules, with a source for each figure.

Account Maintenance

Carefree Checking Monthly service charge$7.95
per month
Monthly service charge (Everyday Checking)$8.95
per month · No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
Account Closed Within 180 Days of Opening Fee$30
Early closure of CD (fee to close prior to maturity)$50
Not compared: CD/IRA fee
one time
Dormant Service Charge, per month (FL and AL)$10
per month
Dormant Service Charge, per month (GA)$5
per month
Inactive Account Closing Fee$10
Account Reconciliation or Research Fee, per hour(one hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation or Research Fee, per hour (one hour minimum) | $25
Paper statements$2
per month
Excess withdrawal or transfer fee$10
per item
Return Statement Fee, per undeliverable statement$10

Overdraft & NSF

Overdraft Item Fee$35
Insufficient Item Fee$35
Overdraft Protection Transfer fee, per daily transfer (from Checking, Savings, Lines of Credit and CheckLoans)$10
Not compared: Daily charge, not per item
per day

ATM & Card

ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM$3
per item
Debit Card Replacement Fee$10
Expedited Card Delivery Fee$35
International Transaction Fee3%of the transaction

Wire Transfers

Wire Transfers: Outgoing Domestic Fee$35
Wire Transfers: Incoming Domestic Fee$25
Wire Transfers: Outgoing International Fee$75
Wire Transfers: Incoming International Fee$25

Check Services

Foreign Draft Stop Payment Fee$35
Stop Payment Fee$35
Pre-printed Temporary Checks (12 checks)$5
Canadian Item Collection Fee$10

Cash & Deposit

Item Chargeback Fee, per item$9
per item
Night Depository Key, per additional key$15

Account Services

Box Drilling Fee (both keys lost)$250
Not compared: Box drilling or key fee
Child Support Freeze Maximum allowed by state law, not to exceed$100
Garnishment Fee$175
Levy Fee$150
Deposit Account Verification Fee$25

Retirement & IRA

Individual Retirement Account Closing Fee$50

Other Fees

Copy of Imaged Document Fee, per image$1
Copy of Imaged Statement Fee, per statement$5
Duplicate Statement Fee, per duplicate statement$5
Instant Statement Printout Fee$5
Photocopy fee, per page$0.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Carefree Checking Monthly service charge	$7.95	per month	None
Monthly service charge (Everyday Checking)	$8.95	per month	No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $8.95 per month
Account Closed Within 180 Days of Opening Fee	$30	Not stated	None
Early closure of CD (fee to close prior to maturity)	$50Not compared: CD/IRA fee	one time	None
Dormant Service Charge, per month (FL and AL)	$10	per month	None
Dormant Service Charge, per month (GA)	$5	per month	None
Inactive Account Closing Fee	$10	Not stated	None
Account Reconciliation or Research Fee, per hour(one hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation or Research Fee, per hour (one hour minimum) \| $25
Paper statements	$2	per month	None
Excess withdrawal or transfer fee	$10	per item	None
Return Statement Fee, per undeliverable statement	$10	Not stated	None
Overdraft & NSF
Overdraft Item Fee	$35	Not stated	None
Insufficient Item Fee	$35	Not stated	None
Overdraft Protection Transfer fee, per daily transfer (from Checking, Savings, Lines of Credit and CheckLoans)	$10Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM Network Usage Fee, for each inquiry, transfer or withdrawal at non-Capital City Bank ATM	$3	per item	None
Debit Card Replacement Fee	$10	Not stated	None
Expedited Card Delivery Fee	$35	Not stated	None
International Transaction Fee	3%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing Domestic Fee	$35	Not stated	None
Wire Transfers: Incoming Domestic Fee	$25	Not stated	None
Wire Transfers: Outgoing International Fee	$75	Not stated	None
Wire Transfers: Incoming International Fee	$25	Not stated	None
Check Services
Foreign Draft Stop Payment Fee	$35	Not stated	None
Stop Payment Fee	$35	Not stated	None
Pre-printed Temporary Checks (12 checks)	$5	Not stated	None
Canadian Item Collection Fee	$10	Not stated	None
Cash & Deposit
Item Chargeback Fee, per item	$9	per item	None
Night Depository Key, per additional key	$15	Not stated	None
Account Services
Box Drilling Fee (both keys lost)	$250Not compared: Box drilling or key fee	Not stated	None
Child Support Freeze Maximum allowed by state law, not to exceed	$100	Not stated	None
Garnishment Fee	$175	Not stated	None
Levy Fee	$150	Not stated	None
Deposit Account Verification Fee	$25	Not stated	None
Retirement & IRA
Individual Retirement Account Closing Fee	$50	Not stated	None
Other Fees
Copy of Imaged Document Fee, per image	$1	Not stated	None
Copy of Imaged Statement Fee, per statement	$5	Not stated	None
Duplicate Statement Fee, per duplicate statement	$5	Not stated	None
Instant Statement Printout Fee	$5	Not stated	None
Photocopy fee, per page	$0.50	per item	None

Overdraft & NSF

Commercial Account Continuous Overdraft Fee$5

Digital & Electronic

Zelle Small Business Fee, per credit$0.49

Fee	Amount	Basis	Note
Overdraft & NSF
Commercial Account Continuous Overdraft Fee	$5	Not stated	None
Digital & Electronic
Zelle Small Business Fee, per credit	$0.49	Not stated	None

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.