With Capital City Bank's Business Online Banking, you have a convenient way to access and manage your business accounts from virtually anywhere, anytime. It's convenient, safe, and secure. Get all the features you need to manage your business finances so you can focus more on growing your business.
Features and Benefits:
- View current account balances for deposit accounts and loans
- Transfer funds between Capital City Bank deposit accounts
- Make loan payments or pay down a line of credit
- View credit card information and make payments
- Review and download up to 18 months of account history
- View and Print check images within account history, both checks written and deposited
- Receive bank statements on the first business day of the month and maintain an archive
- Set Account Alerts to help manage account activity and potential fraud
- Customize account names to quickly and accurately identify accounts
- Assign additional users with custom access
If you're looking for an online bill pay solution for your business accounts, you've just found it. As part of our Business Online Banking services, Business Bill Pay makes managing your cash flow easier than ever.
Enroll in Business Online Banking and use Business Bill Pay to:
- Enjoy faster payment processing
- Enjoy control over when your bills are delivered
- Set up single or recurring bill payments
- Send a payment to anyone in the US
Payees, along with their mailing address and account number are created one time and stored for future payments. To initiate a payment the customer simply fills in the dollar amount and uses the calendar feature to select the date the payment is due. The calendar automatically determines the date the payment will be sent based on whether it will be sent electronically or a check will be printed and mailed. The payment details are provided on your bank statement.
Whether you want to send a domestic or international wire transfer, our service enables you to quickly and securely transfer funds from your Capital City Bank account to another person, business or financial institution. You may make secure wire transfers as either a one-time wire transfer or a recurring transfer.
Recurring Wire Transfers - For wire transfers being sent to the same party on an ongoing basis, you can create transfer instructions one time and access this template each time you need to wire funds to that entity. The only information that needs to be changed is the amount and the date.
One-time wire Transfer - With a one-time wire transfer, you provide all of the beneficiary information each time you initiate a wire transfer.
To enhance security, your Company Administrator has the ability to set the maximum dollar amount each user is authorized to wire out, as well as establishing dual authorization requirements. As an additional bank security requirement, an Out of Band Authentication code will be required for each transaction submitted.
Deadlines - Domestic wire requests must be initiated and approved by 3:00 p.m. (Central Time) and International requests by 2:00 p.m for the wire to be sent for same day credit. Requests received after these times will be sent on the following business day.
Automated Clearing House (ACH) transactions are electronic debits and credits used to efficiently disburse payments and collect receipts through direct payment from any bank account in the United States. ACH payments are the most common electronic payments today. If your business issues or receives a large number of checks, makes payments, processes payroll, or has any type of transaction processing, then Capital City Bank's ACH Origination service can help.
ACH Origination is ideal for:
- Direct deposit of payroll, expenses, bonuses, and commissions
- Collection of invoices, dues, and other receivables
- Vendor Payments
- Federal and State tax payments
Benefits of ACH origination:
- Time savings
- Peace of Mind
- Increased confidentiality
- Improved access to funds
If you would like more information, please click here to have a Business Banker contact you.
Capital City Bank's Positive Pay Advantage will help protect your business against losses due to check and ACH fraud by providing effective and reliable tools that can alert your business to potential fraud situations. Positive Pay Advantage incorporates Check Positive Pay and ACH Positive Pay into one convenient package. Both products are web based services provided through Business Online Banking that allow your business to monitor check and ACH activity on a daily basis.
Utilizing a Positive Pay service can benefit your business by:
- Reducing Fraud
- Reducing Errors
- Faster Reconciliation
Check Positive Pay
Positive Pay is designed to detect potential unauthorized payments from your accounts by comparing a file of the checks you have issued against the checks that have been presented for payment. By identifying altered, duplicate, or bogus checks, any fraudulent activity on your account can be detected more quickly thereby reducing potential losses. Email alerts allow you to approve or decline payment on any rejected items. Check Positive Pay is managed through our secure Business Online Banking.
ACH Positive Pay
ACH Positive Pay helps you safeguard against fraudulent activity by filtering or blocking unauthorized ACH withdrawals. You will work with a Business Banker to establish a list of “authorized” ACH transactions the bank is allowed to pay. If a payment doesn't match your list, you will be notified via email and you can either pay or return the item.
If an electronic withdrawal attempts to post to the account and it is not on the approved list, it will be suspended and an email notification will be sent asking you to log into Business Online Banking, view the exception, and determine whether to pay or return the item.
Now, you can make deposits without going to the bank. With Capital City Bank's DesktopDirect you no longer need to worry about driving to the bank to make your deposit. With DesktopDirect, our remote deposit capture service, you can easily deposit checks into your Capital City Bank business checking account from the convenience of your office.
DesktopDirect offers you many benefits, including:
- Convenience - reduces time preparing deposits and eliminates trips to the bank
- Extended deposit deadlines - allows you to make deposits until 7:00 p.m. for current business day
- Ease of Research - captures and centrally stores images on your computer for easy reference
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