Fraud and Identity Theft Protection


Capital City Bank is committed to ensuring that your personal information is secure and in helping you fight fraud and identity theft.  We currently have substantial measures in place to protect you from identity theft and we continue to improve our technology systems in order to keep ahead of new scams and fraud.


In the coming months, Capital City Bank will be making changes to our Online Banking site.  These changes will include new security procedures when you sign-in to use Online Banking to verify your identity.  Currently you use a “user name and password” to access Online Banking.  Capital City Bank will be instituting Multi-factor Authentication which is considered to be a more reliable and stronger fraud deterrent. This type of authentication uses several “factors” to confirm that it is you, and not someone who has stolen your identity, who is accessing your accounts online.  Multi-factor authentication consists of verifying and validating the authenticity of an identity using more than one validation mechanism. 


Generally this is accomplished by verifying:



The first line of defense in protecting yourself from identity theft and fraud is awareness.  In order to reduce the risk of identity theft:


Understanding the types of online fraud scams is also important in protecting yourself.

Phishing and spoofing
“Phishing” (pronounced fishing) is a type of fraud where an e-mail asks you, often with a sense of urgency, to click a link to update or confirm your sensitive personal information, such as your account numbers, card numbers, Social Security/tax identification numbers, passwords, or PINs. The link goes to a fake or “spoof” website designed to look like a legitimate company.

Capital City Bank will never initiate a request for your personal account information in an e-mail or through a phone solicitation.  If you call the bank we will ask you for information in order to verify your identity, but we will not call or e-mail you asking for verification of sensitive personal information.    

Avoid spoofed websites
To protect yourself from going to a spoofed website, always type “” into your browser when you login to Capital City Bank Online Banking, instead of clicking a link in an e-mail.


Malware is malicious software, including spam e-mails and viruses.  They can take control of your computer, often without you even knowing it, and forward personal information, such as IDs, passwords, and account numbers to criminals.

You can make your computer safer by installing and updating regularly your


For additional information regarding fraud and identity theft protection, or if you feel you may be a victim, there are resources available to assist you. The following link will take you to the FDIC web site, Or you may call Capital City Bank at 785-274-5600 or 800-431-7522 for further assistance.