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Customer Service Center

Tel: 404-215-6700 Option 0
Toll Free: 1-866-758-7519

Contact Us:


 561 West Whitehall

Atlanta, GA. 30310

Mon.-Thurs.:  9am – 4pm
 Fri.: 9am – 5pm,

Closed: Sat. & Sun.

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Checking Accounts

Need a Checking Account? 

Capitol City Bank & Trust Company has one or more checking accounts that definitely fit your financial needs. From our basic checking accounts, Money Market Accounts to an IRA Account, and more. We are prepared and committed to assist you. Come join us!


Capitol Basic Account:

  • $100 Minimum to Open

Avoid a maintenance fee by maintaining a minimum daily balance† of $500 or an average daily balance of $1,200 in a Capitol Basic Account. If your balance falls below the established minimums, a monthly maintenance fee of $3 and a $.35 per item fee will be assessed.  (Per item - means all debits, with the exception of CCB&T ATM transcations.) *  ** 

Capitol Plus Account:

  • $100 Minimum to Open
  • Limited Transactions

The perfect checking account for individuals who only write a few checks each month.  With a Capitol Plus Account receive up to 35 total debit transactions for a maintenance fee of only $10. Transactions exceeding 35 per month will be charged $.35 per debit item.  (Per item - means all debits, with the exception of CCB&T ATM transcations.) *  **

Capitol 55 Account:

  • $100 Minimum to Open
  • Age 55 and Over
  • Free Checking 

This account is designed especially for age 55 and over.  It has a selection of great benefits including: free notary service, no fee for Travelers Cheques, first order of standard checks are free and no fee for money orders.  (Limited to three per month) *  ** 

Capitol Student Account:

  • $25 Minimum to Open
  • Free Checking
  • Unlimited Transactions

Open a Capitol Student Account today and your money management problems are solved.  Requirements for this account are that the student must be 18 years of age and must have current school identification.  

  • Check Printing Fee Not Included
  • Expires in 1 year * ** 

Capitol Free Checking Account

  • $100 Minimun to Open

Capitol Free Checking Account comes with no minimum balance requirement.  A Direct Deposit is required to open this account. Our free checking account  has no monthly maintenance fee.  Listed below are our features and benefits:  *  **

Features and Benefits

  • No monthly maintenance fee 
  • Unlimited check writing
  • First order of standard checks free
  • Free online banking
  • Free Bill Pay
  • Free use of CCB&T ATMs
  • Free safe deposit box (3x5 for 1 year)
  • Overdraft protection options

Now Checking Account

  • $750 Minimum to Open 
  • Interest-Bearing Account with Competitive Rate

Looking for an account that will allow your money to grow? Open a Now Checking Account. This interest-bearing checking account has a monthly maintenance fee of $10 if your account does not maintain a minimum daily balance of $750 or an average daily balance of $1,500.  * **

  • Interest rates are subject to change without notice. 

Super Now Account

  • $1000 Minimum to Open
  • Interest-Bearing Account with Competitive Interest Rates

Open this account with a minimum of $1,000. Thereafter, maintain a minimum daily balance of $2,500 or an average daily balance of $5,000 and earn interest on your Super Now Account. Accounts that fall below the minimum will be assessed a monthly maintenance fee of $8 and $.35 per debit transactions.

  • Interest rates are subject to change without notice. *  **

Money Market Account

This account provides the flexibility of writing checks while earning interest.

  • $1,000 Minimum to Open
  • Earn Competitive Tiered Rates 

This account provides the flexibility of writing checks while earning interest. Avoid a monthly maintenance fee by maintaining a minimum daily balance of $1,000.  If the account falls below the $1,000 minimum, a monthly maintenance fee of $5.00 will be assessed to your account. The Money Market Account permits six transactions per statement cycle or month (The form of the withdrawal can be by transfer, check, debit card, computer, etc.).  Transactions in excess of six will incur a $25.00 per debit transaction fee.

Interest rates are subject to change without notice. * **

†Minimum Daily Balance:  based on per deposit item.

††Monthly Average Balance:  The balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days on the monthly period.

NOTICE:Non-Capitol City Bank & Trust Company ATM transactions - per transaction fees may vary. The excessive withdrawal fee applies to items such as, Point-of-Sale, ACH and Telephone Funds Transfers.



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Temporary unlimited deposit insurance coverage for noninterest-bearing transaction accounts (NIBTAs), including interest on Lawyer Trust Accounts, is scheduled to expire on December 31, 2012. Absent a change in law, beginning January 1, 2013, the FDIC no longer will provide separate, unlimited deposit insurance coverage for NIBTAs at insured depository institutions (IDIs).  

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes interest on Lawyers Trust Accounts ("IOLTAs").  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.  For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

© Copyright 2012 Capitol City Bank & Trust Co. All Rights Reserved. Member FDIC.