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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.

Commercial Products

 Commercial Products Profiles

Capitol City Advantage Business Checking

  • Minimum opening deposit of $100
  • Business Debit Card
  • Discount on Merchant Services set up fees
  • No Charge for use of Night Depository
  • Free cash processing
  • Unlimited check writing

* A minimum daliy balance of $3,000 or average monthly balance of $5,000 is required to avoid a monthly maintenance fee of $15.00 and .25 cents per transaction. 


Deposit Account for Nonprofit Businesses

  • Low Monthly Service Charge
  • 25 Free Monthly Transactions

An exemplary account for nonprofit businesses with 501 (c) (3) status.  Avoid a monthly base fee of $4 by maintaining an average monthly balance of $1000 in the Deposit Account. 

* Transactions in excess of 25 per month will incur a per item fee of .25 cents per transaction. 


CCB&T Business Checking

  • $100 to Open
  • Flat Monthly Fee of $15
  • No Minimum Balance
  • 50 Transactions Per Month

A small business account for companies that write a minimal amount of checks monthly.  Just $100 is required to open the CCB&T Business Checking Account.  There is no minimum balance requirement.  This account has a flat fee of $15 per month for up to 50monthly transactions (debits or credits).  A .25 cent per item fee is accessed when the number of transactions exceed 50. 



CCB&T Business Checking

A Capitol City Bank & Trust Company representative will process the development of an account that is suitable for your specific business needs.  Investment earnings credit rate is based on the Treasury Bill.   See Customer Service Representative for detailed Analysis Fees.

The CCB&T Commercial Checking Account Analysis is based on a monthly business cycle of 30 days and includes deposits and withdrawals.


Minimum Daily Balance:  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 in the monthly period.

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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.