BANKING IN FLORIDA, GEORGIA AND ALABAMA Full range of banking services, deposit and credit services, mortgage, trust, merchant services, bankcards and securities brokerage services. ONLINE & MOBILE BANKING Online banking's perfect partner: CCBMobile. The CCBMobile app makes it easy to manage your accounts while on the go. View account balances, transaction history and alerts, deposit checks, and even initiate account transfers and pay bills, quickly and securely, at any time and from anywhere. (Opens in a new Window) (Opens in a new

Window)

PERSONAL BANKING

Personal banking tools to fit your lifestyle. Online Banking. Move money and manage your finances anywhere at anytime. Online Banking Details. Mobile Deposit. Deposit funds quickly and securely using your CCBMobile app. Mobile Deposit Details. Mobile Pay. Secure and convenient contactless purchases using your debit card. SMALL BUSINESS ASSISTANCE › CAPITAL CITY BANK We know the COVID-19 pandemic is having far-reaching effects on our clients and communities, and we want to assure our clients we’re here for you in these uncertain times. Capital City Bank is offering several assistance programs for our clients experiencing hardship as a result of circumstances surrounding the coronavirus response. Please CAPITAL CITY BANK: ONLINE BANKING Capital City Bank: Online Banking - secure.ccbg.com CAREER OPPORTUNITIES At Capital City Bank, we don’t offer you just a job — we offer you the opportunity to build a career in a stimulating, safe and progressive environment surrounded by friendly, knowledgeable people. Our associates: LEAD with courage, confidence, vision and inspiration. EXECUTE by turning vision into action. COMMUNICATE up, down and often.

CONSTRUCTION LOANS

Whether a builder in need of a large line of credit to fund the construction of speculative or presold homes or an investor building a home to sell, our 12-month, interest-only construction line might be just the right fit. Connect with a dedicated commercial real estate expert at 888.671.0400. MAKING A LOAN PAYMENT Accessing the Loan Payment Portal: On our website, click Log In at the top right, then click the arrows to expand the account list and select Loan Payments. Making a payment for the first time: Using the Loan Payment Portal, click ENROLL, then enter your Loan Number and the last four digits of the primary loan holder's Social Security number to HELP CENTER › CAPITAL CITY BANK Click the “Forgot/First time Password?” link under the password field. Enter your user name when prompted and click “Submit.” Select a delivery method for your Secure Access Code (this is a six-digit code we send to the contact method on file for your account so we can verify it is you requesting the password reset). CAR LOAN - CAPITAL CITY BANK Hit the road with a hassle-free car loan. Capital City Bank puts you in the driver's seat with a quick, hassle-free auto loan. With fast approval and convenient terms, we simplify the process so you can enjoy your new purchase as soon as possible. BANKING IN FLORIDA, GEORGIA AND ALABAMA Full range of banking services, deposit and credit services, mortgage, trust, merchant services, bankcards and securities brokerage services. ONLINE & MOBILE BANKING Online banking's perfect partner: CCBMobile. The CCBMobile app makes it easy to manage your accounts while on the go. View account balances, transaction history and alerts, deposit checks, and even initiate account transfers and pay bills, quickly and securely, at any time and from anywhere. (Opens in a new Window) (Opens in a new

Window)

PERSONAL BANKING

Personal banking tools to fit your lifestyle. Online Banking. Move money and manage your finances anywhere at anytime. Online Banking Details. Mobile Deposit. Deposit funds quickly and securely using your CCBMobile app. Mobile Deposit Details. Mobile Pay. Secure and convenient contactless purchases using your debit card. SMALL BUSINESS ASSISTANCE › CAPITAL CITY BANK We know the COVID-19 pandemic is having far-reaching effects on our clients and communities, and we want to assure our clients we’re here for you in these uncertain times. Capital City Bank is offering several assistance programs for our clients experiencing hardship as a result of circumstances surrounding the coronavirus response. Please CAPITAL CITY BANK: ONLINE BANKING Capital City Bank: Online Banking - secure.ccbg.com CAREER OPPORTUNITIES At Capital City Bank, we don’t offer you just a job — we offer you the opportunity to build a career in a stimulating, safe and progressive environment surrounded by friendly, knowledgeable people. Our associates: LEAD with courage, confidence, vision and inspiration. EXECUTE by turning vision into action. COMMUNICATE up, down and often.

CONSTRUCTION LOANS

Whether a builder in need of a large line of credit to fund the construction of speculative or presold homes or an investor building a home to sell, our 12-month, interest-only construction line might be just the right fit. Connect with a dedicated commercial real estate expert at 888.671.0400. MAKING A LOAN PAYMENT Accessing the Loan Payment Portal: On our website, click Log In at the top right, then click the arrows to expand the account list and select Loan Payments. Making a payment for the first time: Using the Loan Payment Portal, click ENROLL, then enter your Loan Number and the last four digits of the primary loan holder's Social Security number to HELP CENTER › CAPITAL CITY BANK Click the “Forgot/First time Password?” link under the password field. Enter your user name when prompted and click “Submit.” Select a delivery method for your Secure Access Code (this is a six-digit code we send to the contact method on file for your account so we can verify it is you requesting the password reset). CAR LOAN - CAPITAL CITY BANK Hit the road with a hassle-free car loan. Capital City Bank puts you in the driver's seat with a quick, hassle-free auto loan. With fast approval and convenient terms, we simplify the process so you can enjoy your new purchase as soon as possible.

PERSONAL BANKING

Personal banking tools to fit your lifestyle. Online Banking. Move money and manage your finances anywhere at anytime. Online Banking Details. Mobile Deposit. Deposit funds quickly and securely using your CCBMobile app. Mobile Deposit Details. Mobile Pay. Secure and convenient contactless purchases using your debit card. CHECKING - CAPITAL CITY BANK Everyday Checking features and benefits: No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $7.95 per month. E-statement or paper statement. No per-check charge+. Only $50 minimum opening deposit. Open Checking

Account (Opens in

BUSINESS BANKING

Receivables Financing. A smart solution for businesses experiencing cash-flow shortages. Explore Receivables Financing. Treasury Management. Advanced solutions for advanced business needs. Business Banking Loans. Flexible and versatile financing to meet a variety of business needs. View Business Loan Options. Receivables Financing. SAVINGS - CAPITAL CITY BANK Requires a Capital City Bank personal checking account. Open Savings Account. (Opens in a new Window) Higher-earning savings account with e-statements and low or no account fees. Everyday Savings features and benefits: No monthly service charge with minimum daily balance of $200; otherwise, $3 per month. Tiered higher-yield interest rates. MEET THE BANKERS AT CAPITAL CITY BANK How can we help you? THIS IS NOT A SECURE E-MAIL. For your security, we are unable to provide log-in assistance or answer questions related to an existing account through this channel. OTHER SERVICES AND FEES Overdraft Protection Services. Refer to our Overdraft Protection (ODP) brochure for full disclosures related to these services. ODP Transfer from Checking or Savings Fee, per daily transfer. $10. ODP Transfer from Line of Credit Fee, per draw. $10. ODP Transfer from CheckLoan

Fee, per draw. $10.

DEBIT CARDS

From your online/mobile banking menu, choose Services > Debit Card Services. Call us 24 hours a day, seven days a week at 888.671.0400 to be connected to fraud protection services. If calling outside of Card Service hours, a block will immediately be placed on your card to prevent all future transactions. CAR LOAN - CAPITAL CITY BANK Hit the road with a hassle-free car loan. Capital City Bank puts you in the driver's seat with a quick, hassle-free auto loan. With fast approval and convenient terms, we simplify the process so you can enjoy your new purchase as soon as possible. LEADERSHIP - CAPITAL CITY BANK Tom Allen joined Capital City Bank in 2008 and assisted with development of the Virtual Banking Division. He transferred to the Residential Mortgage Lending Division in late 2013, where he directed the department’s efforts to obtain loans on primary residences, vacation homes, and certain other residential properties, including residential lot loans.

FRAUD & SECURITY

The security and confidentiality of your personal information is important to us. That's why Capital City Bank will never call, text or e-mail you and ask for your debit card PIN or online banking password to verify or authenticate your identity. In fact, there is no legitimate reason any financial institution would ever need your debit card PIN or online banking password. BANKING IN FLORIDA, GEORGIA AND ALABAMA Full range of banking services, deposit and credit services, mortgage, trust, merchant services, bankcards and securities brokerage services. ONLINE & MOBILE BANKING Online banking's perfect partner: CCBMobile. The CCBMobile app makes it easy to manage your accounts while on the go. View account balances, transaction history and alerts, deposit checks, and even initiate account transfers and pay bills, quickly and securely, at any time and from anywhere. (Opens in a new Window) (Opens in a new

Window)

PERSONAL BANKING

Personal banking tools to fit your lifestyle. Online Banking. Move money and manage your finances anywhere at anytime. Online Banking Details. Mobile Deposit. Deposit funds quickly and securely using your CCBMobile app. Mobile Deposit Details. Mobile Pay. Secure and convenient contactless purchases using your debit card. SMALL BUSINESS ASSISTANCE › CAPITAL CITY BANK We know the COVID-19 pandemic is having far-reaching effects on our clients and communities, and we want to assure our clients we’re here for you in these uncertain times. Capital City Bank is offering several assistance programs for our clients experiencing hardship as a result of circumstances surrounding the coronavirus response. Please CAPITAL CITY BANK: ONLINE BANKING Capital City Bank: Online Banking - secure.ccbg.com CAREER OPPORTUNITIES At Capital City Bank, we don’t offer you just a job — we offer you the opportunity to build a career in a stimulating, safe and progressive environment surrounded by friendly, knowledgeable people. Our associates: LEAD with courage, confidence, vision and inspiration. EXECUTE by turning vision into action. COMMUNICATE up, down and often.

CONSTRUCTION LOANS

Whether a builder in need of a large line of credit to fund the construction of speculative or presold homes or an investor building a home to sell, our 12-month, interest-only construction line might be just the right fit. Connect with a dedicated commercial real estate expert at 888.671.0400. MAKING A LOAN PAYMENT Accessing the Loan Payment Portal: On our website, click Log In at the top right, then click the arrows to expand the account list and select Loan Payments. Making a payment for the first time: Using the Loan Payment Portal, click ENROLL, then enter your Loan Number and the last four digits of the primary loan holder's Social Security number to HELP CENTER › CAPITAL CITY BANK Click the “Forgot/First time Password?” link under the password field. Enter your user name when prompted and click “Submit.” Select a delivery method for your Secure Access Code (this is a six-digit code we send to the contact method on file for your account so we can verify it is you requesting the password reset). CAR LOAN - CAPITAL CITY BANK Hit the road with a hassle-free car loan. Capital City Bank puts you in the driver's seat with a quick, hassle-free auto loan. With fast approval and convenient terms, we simplify the process so you can enjoy your new purchase as soon as possible. BANKING IN FLORIDA, GEORGIA AND ALABAMA Full range of banking services, deposit and credit services, mortgage, trust, merchant services, bankcards and securities brokerage services. ONLINE & MOBILE BANKING Online banking's perfect partner: CCBMobile. The CCBMobile app makes it easy to manage your accounts while on the go. View account balances, transaction history and alerts, deposit checks, and even initiate account transfers and pay bills, quickly and securely, at any time and from anywhere. (Opens in a new Window) (Opens in a new

Window)

PERSONAL BANKING

Personal banking tools to fit your lifestyle. Online Banking. Move money and manage your finances anywhere at anytime. Online Banking Details. Mobile Deposit. Deposit funds quickly and securely using your CCBMobile app. Mobile Deposit Details. Mobile Pay. Secure and convenient contactless purchases using your debit card. SMALL BUSINESS ASSISTANCE › CAPITAL CITY BANK We know the COVID-19 pandemic is having far-reaching effects on our clients and communities, and we want to assure our clients we’re here for you in these uncertain times. Capital City Bank is offering several assistance programs for our clients experiencing hardship as a result of circumstances surrounding the coronavirus response. Please CAPITAL CITY BANK: ONLINE BANKING Capital City Bank: Online Banking - secure.ccbg.com CAREER OPPORTUNITIES At Capital City Bank, we don’t offer you just a job — we offer you the opportunity to build a career in a stimulating, safe and progressive environment surrounded by friendly, knowledgeable people. Our associates: LEAD with courage, confidence, vision and inspiration. EXECUTE by turning vision into action. COMMUNICATE up, down and often.

CONSTRUCTION LOANS

Whether a builder in need of a large line of credit to fund the construction of speculative or presold homes or an investor building a home to sell, our 12-month, interest-only construction line might be just the right fit. Connect with a dedicated commercial real estate expert at 888.671.0400. MAKING A LOAN PAYMENT Accessing the Loan Payment Portal: On our website, click Log In at the top right, then click the arrows to expand the account list and select Loan Payments. Making a payment for the first time: Using the Loan Payment Portal, click ENROLL, then enter your Loan Number and the last four digits of the primary loan holder's Social Security number to HELP CENTER › CAPITAL CITY BANK Click the “Forgot/First time Password?” link under the password field. Enter your user name when prompted and click “Submit.” Select a delivery method for your Secure Access Code (this is a six-digit code we send to the contact method on file for your account so we can verify it is you requesting the password reset). CAR LOAN - CAPITAL CITY BANK Hit the road with a hassle-free car loan. Capital City Bank puts you in the driver's seat with a quick, hassle-free auto loan. With fast approval and convenient terms, we simplify the process so you can enjoy your new purchase as soon as possible.

PERSONAL BANKING

Personal banking tools to fit your lifestyle. Online Banking. Move money and manage your finances anywhere at anytime. Online Banking Details. Mobile Deposit. Deposit funds quickly and securely using your CCBMobile app. Mobile Deposit Details. Mobile Pay. Secure and convenient contactless purchases using your debit card. CHECKING - CAPITAL CITY BANK Everyday Checking features and benefits: No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $7.95 per month. E-statement or paper statement. No per-check charge+. Only $50 minimum opening deposit. Open Checking

Account (Opens in

BUSINESS BANKING

Receivables Financing. A smart solution for businesses experiencing cash-flow shortages. Explore Receivables Financing. Treasury Management. Advanced solutions for advanced business needs. Business Banking Loans. Flexible and versatile financing to meet a variety of business needs. View Business Loan Options. Receivables Financing. SAVINGS - CAPITAL CITY BANK Requires a Capital City Bank personal checking account. Open Savings Account. (Opens in a new Window) Higher-earning savings account with e-statements and low or no account fees. Everyday Savings features and benefits: No monthly service charge with minimum daily balance of $200; otherwise, $3 per month. Tiered higher-yield interest rates. MEET THE BANKERS AT CAPITAL CITY BANK How can we help you? THIS IS NOT A SECURE E-MAIL. For your security, we are unable to provide log-in assistance or answer questions related to an existing account through this channel. OTHER SERVICES AND FEES Overdraft Protection Services. Refer to our Overdraft Protection (ODP) brochure for full disclosures related to these services. ODP Transfer from Checking or Savings Fee, per daily transfer. $10. ODP Transfer from Line of Credit Fee, per draw. $10. ODP Transfer from CheckLoan

Fee, per draw. $10.

DEBIT CARDS

From your online/mobile banking menu, choose Services > Debit Card Services. Call us 24 hours a day, seven days a week at 888.671.0400 to be connected to fraud protection services. If calling outside of Card Service hours, a block will immediately be placed on your card to prevent all future transactions. CAR LOAN - CAPITAL CITY BANK Hit the road with a hassle-free car loan. Capital City Bank puts you in the driver's seat with a quick, hassle-free auto loan. With fast approval and convenient terms, we simplify the process so you can enjoy your new purchase as soon as possible. LEADERSHIP - CAPITAL CITY BANK Tom Allen joined Capital City Bank in 2008 and assisted with development of the Virtual Banking Division. He transferred to the Residential Mortgage Lending Division in late 2013, where he directed the department’s efforts to obtain loans on primary residences, vacation homes, and certain other residential properties, including residential lot loans.

FRAUD & SECURITY

The security and confidentiality of your personal information is important to us. That's why Capital City Bank will never call, text or e-mail you and ask for your debit card PIN or online banking password to verify or authenticate your identity. In fact, there is no legitimate reason any financial institution would ever need your debit card PIN or online banking password. Skip to Main Content

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NEWS >

07/30/19 - Capital City Bank Named One Of Florida’s “Best Companies to Work For” 07/29/19 - Capital City Bank Group Board of Directors Announces New

Member

07/23/19 - Capital City Bank Group, Inc. Reports Second Quarter 2019

Results

05/30/19 - Capital City Bank Group, Inc. Announces Cash Dividend 04/26/19 - Plans Announced for a new Capital City Bank Location in Panama City Beach, Florida 04/22/19 - Capital City Bank Group, Inc. Reports First Quarter 2019

Results

02/27/19 - Capital City Bank Group, Inc. Increases Cash Dividend 01/31/19 - Capital City Bank Group, Inc. Announces New Stock

Repurchase Program

01/29/19 - Capital City Bank Group, Inc. Reports Fourth Quarter and Full Year 2018 Results

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Download Adobe Reader Forgot Your ID or Passwordclose IF YOU HAVE FORGOTTEN YOUR CAPITAL CITY BANK ONLINE USER ID: Please contact the Client Service Center Monday through Friday, 8:00 a.m. – 6:00 p.m. ET at 888.671.0400. IF YOU HAVE FORGOTTEN YOUR CAPITAL CITY BANK ONLINE PASSWORD: Please click here to enter your Capital City Bank OnLine User ID and follow the prompts to reset your password. *Treasury Management clients will continue to call 866.317.6582 for all Capital City Bank OnLine password resets.