Capital City Bank (CCB) offers all clients an overdraft protection service to avoid overdrafts and returned checks.

Clients can chose from one of 3 overdraft protection services:

• Automatic Transfer Overdraft Protection (Sweep)
• Home Equity Line of Credit (HELOC) Overdraft Protection
• Consumer Line of Credit (CLOC) Overdraft Protection

Automatic Transfer Overdraft Protection can be combined with either HELOC or CLOC Overdraft Protection. The owner of the funding account (parent) must sign to authorize the overdraft service to the receiving account (child). Overdraft protection services end when the checking account is closed. If either account is closed and then reopened, a new overdraft protection service is required.

Overdraft protection service benefits include:

• Automatic transfers from existing funds.
• No annual fee or interest.
• Only 1 transfer fee per day.
• Affordable for clients who seldom overdraw.