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Capital City Bank Review

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Capital City Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1907, Capital City Bank has assets totaling $3 billion along with $2 billion in deposits, classifying the institution as a large bank. Capital City Bank, whose headquarters are in Tallahassee, Florida, has above-average access to customer service with a live chat feature, great for getting help during the work week. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Overall, Capital City Bank is a decent bank that leaves room for improvement, with a rating of 3.5 stars out of 5 from the SmartAsset experts. Capital City Bank has a full array of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Capital City Bank has a fair savings rate compared to the average savings account. The bank's standard checking account maintains a monthly fee of $6.95, which ranks on the higher end of monthly fees. Institutions that offer no-fee checking as well as a high savings APY are your best option for getting the highest income on your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.05%, Capital City Bank ranks poorly compared to the average U.S. bank. Its one-year CD earns at a rate of 0.15% and the five-year CD has a rate of 0.60%, while its highest-yielding money market account has a rate of 0.05%. Given Capital City Bank's below average savings rate, you should think about other options to earn more on your deposits.

How Capital City Bank's Savings Rates Compare

Capital City Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Capital City Bank charges its customers high fees compared to the national average. Its checking account has a monthly fee of $6.95, rating it fair for anyone looking for a hassle-free account. Capital City Bank unfortunately does not reimburse out-of-network ATM fees, which means you will need to locate a Capital City Bank ATM or accept the ATM charge.

Monthly Fee $6.95 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Capital City Bank is a brick-and-mortar bank, with 66 total branches in Alabama, Florida and Georgia. With mobile and web apps, Capital City Bank makes account access convenient, even on the go. It does not offer all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday, 8:00 a.m. to 6:00 p.m. ET; Saturday, and 9:00 a.m. to 12:00 p.m. ET. Additionally, Capital City Bank customers can access live chat for help, a helpful way to reach a representative during the work day. Capital City Bank gets moderately high marks from customers for its mobile platform. With 1,400 ratings on Apple and Android platforms, the Capital City Bank mobile app has an overall rating of 4.2 out of 5 (compared to the national average of 3.8). You can access Capital City Bank's mobile app to manage your funds by checking current statements, transferring money as well as reaching customer service. Capital City Bank gets a superb consumer satisfaction score based on relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

SmartAsset Average: 4.8

Capital City Bank ranks as a large bank owning $3 billion in assets and $2 billion in deposits. Its Texas Ratio is 3.28%, suggesting that the bank is in excellent financial condition and unlikely to fail. Additionally, Capital City Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Capital City Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 0.15% APY
  • 24 Month: 0.25% APY
  • 36 Month: 0.35% APY
  • 48 Month: 0.50% APY
  • 60 Month: 0.60% APY
$1000 for all terms
Money Market Account 0.01% APY $1

Capital City Bank offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Capital City Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Capital City Bank's CD rates are fair as compared against the national average.

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Find a Capital City Bank Near Me

Capital City Bank has 66 physical locations in the U.S.

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