Commercial Checking
You have enough to think about when you’re running a business. Your commercial checking account should be easy to manage. You want accuracy, and Capital City Bank will make sure to meet that expectation with diligent monitoring of your transactions. You’re busy and want convenience. That’s why you can log on to our website and check your accounts any time, day or night. And you want choices, because no two businesses are the same. Based on the number of transactions you have each month, we can tailor an account to your specific needs. Capital City Bank will make it work.
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Commercial Checking Quick Reference Chart
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Business
Checking |
Commercial
Checking |
Commercial
Interest Checking
|
| Available to |
Small businesses and not-for-profit
organizations |
All businesses |
Sole proprietors, not-for-profits, and public
agencies |
| Minimum to Open |
$100 |
$100 |
$100 |
| Monthly Maintenance Fee |
$7.00 |
$7.00 |
$7.00 |
| Minimum Balance to Waive Fee |
$500 |
Not applicable |
$1,000 |
| Earns Interest |
No |
No |
Yes |
| Earnings Credit |
No |
Yes |
No |
| Item Fees |
Service chargeable debits exceeding
40 per month: $0.25 per debit
Not "on us" item deposited:
$0.07 –
local item
$0.10 – non-local item |
Service chargeable debits: $0.15
per debit
Not "on us" item deposited:
$0.07 – local item
$0.10 – non-local item |
Service chargeable debits: $0.15 per
debit
Not "on us" item deposited:
$0.07 – local item
$0.10
– non-local item |
| Check Writing
Limitations |
Write up to 40 checks per month deposit fewer than 100 items per month |
None |
None |
| Online Banking |
Yes |
Yes |
Yes |
Business Checking
Business
Checking is simple, straightforward checking designed for businesses
and not-
for-profit organizations with low to moderate activity. If your
business or organization writes fewer than 40 checks per month and
deposits fewer than 100 items per month this is the account solution
for you.
| Available to: |
Small businesses and not-for-profit organizations |
| Minimum to Open: |
$100 |
| Monthly Maintenance Fee: |
$7.00 |
| Minimum Balance to Waive Fee: |
$500 |
| Item Fees: |
Service chargeable debits
exceeding 40 per month: |
$0.25 per debit |
| Not "on us" item deposited: |
$0.07 - Local Item |
| |
$0.10 – non-local item | |
| Check Writing Limitations: |
Write up to 40 checks per month |
| Online Banking |
Yes |
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Commercial Checking
Commercial
Checking is an analyzed, non-interest bearing account designed for
corporations and businesses. Get the flexibility of unlimited
transactions and the ability to offset service charges with an earnings
credit applied to your company’s account balances.
| Available to: |
All businesses |
| Minimum to Open: |
$100 |
| Monthly Maintenance Fee: |
$7.00 |
| Minimum Balance to Waive Fee: |
Not applicable |
Item
Fees:
|
| Service chargeable debits:
|
|
$0.15 per debit |
Not "on us" item deposited:
|
|
$0.07 – local item
$0.10 – non-local item
|
|
| Check Writing Limitations: |
None |
| Online Banking |
Yes |
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Commercial Interest Checking
Commercial Interest Checking is
an account designed for those entities allowed by law to have an
interest bearing transaction account. This includes sole proprietors,
not-for-profit organizations, and public agencies. This account offers
the convenience of a combined checking and savings account, eliminating
the need for frequent transfers—and your available checking funds are
maximized by earning interest!
| Available to: |
Sole proprietors, not-for-profit organizations, and public agencies |
| Minimum to Open: |
$100 |
| Monthly Maintenance Fee: |
$7.00 |
| Minimum Balance to Waive Fee: |
$1,000 |
| Item Fees: |
Service chargeable debits:
|
$0.15 per debit |
| Not "on us" item deposited: |
$0.07 – local item |
|
|
$0.10 – non-local item | |
| Check Writing Limitations: |
None |
| Online Banking |
Yes |
Capital City Bank is participating in the FDIC's
Transaction Account Guarantee Program. Under that program, through
December 31, 2010, all noninterest-bearing transaction accounts are
fully guaranteed by the FDIC for the entire amount in the account.
Coverage under the Transaction Account Guarantee Program is in addition
to and separate from the coverage available under the FDIC's general
deposit insurance rules.
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