• Treasury Management Sales Banker
• Treasury Management Administration Analyst
• Treasury Management Indirect Sales & Support Manager 
• Treasury Management & Institutional Banking Manager

Our online banking service provides clients with real-time account balance and 60 days of transaction history. Clients may also download account information, view check images, make internal transfers, pay bills, access mobile banking and e-statements, and receive e-mail alerts.

This service provides our clients with a compact disc (CD) containing images of all cleared checks and deposit tickets. The images are of excellent quality and contain both the front and back of the item. The CD contains a browser program that allows them to easily search for items by check number, date, or amount.

In addition to compact disc (CD) imaging for paid items, Capital City Bank can also provide our clients with a CD containing images of all deposited items. The CD provides images of the front and back of deposited items, along with a search engine to facilitate finding a specific item.

This service allows the client to maintain one account for multiple business locations and to identify deposits by specific business location. Deposit tickets are encoded with location or store identification numbers in the Magnetic Ink Character Recognition (MICR) line and are grouped together by business location. This may eliminate the need to maintain separate accounts for multiple business locations.

Full or partial reconciliation services are available, and both assist the high-check-volume client with reconcilement of their account(s). This service works by having the client provide the Bank with an electronic data file of issued checks. In return, we provide the client with valuable reports, including outstanding items, stale-dated items, non-issue items, etc. These reports are typically provided on a monthly basis but may be provided weekly or even daily as required to meet the client’s needs.

The Banking Administration Institute (BAI) provides a standard format for reporting bank account information. This standard format is typically used by a company that has business locations across a wide geographic area, or even nationwide, and has accounts with multiple financial institutions.

This service provides all the functionality of the basic online banking service plus enhanced features, including:

• Multiple Users 
• Restrictive User Permissions
• Automated Clearing House (ACH) Origination (for example: direct deposit and collections)
• Wire Transfers
• Stop Payments
• BAI Reporting
• Positive Pay

With this service, our clients instruct their customers to mail payments to a Capital City Bank Post Office Box. These payments are sorted, imaged, and deposited into the client’s Capital City Bank account. Various reporting options are available to clients with this service.

This service allows the client to electronically deposit checks from various locations. The client simply scans the checks and securely transmits them to Capital City Bank. Checks are deposited remotely, thereby eliminating the need to make a trip to the Bank. Deposits made before 6 p.m. EST are credited on the same business day. This service also provides image archives of deposited checks.

This service provides all the functionality of the basic online banking service plus enhanced features, including ACH Origination (for example: direct deposit and collections) and Wire Transfers.

This fraud prevention tool provides verification of issued checks. The client provides an electronic data file of issued checks to Capital City Bank, and the check number and dollar amount are matched up against checks that are presented at the teller line or through regular clearing channels. Items that do not match the check issue file are returned unpaid.

Capital City Bank has partnered with Rapid Financial, a third-party vendor, to allow clients to provide direct deposits to all their employees, including those who may not have a traditional banking relationship. The Rapid! Card is a MasterCard-branded card and is owned by the cardholder. Employees may use their Rapid! Card at an Automated Teller Machine (ATM) to withdraw cash or at a merchant location for point-of-sale transactions. There is no cost to the employer for the card as all transaction fees are paid by the cardholder.

This account structure allows the client to maintain idle cash in an interest-bearing concentration account, with funds transferred to the Zero Balance Account (ZBA) only when checks or other debits are presented for payment.

Balances in clients' accounts earn credit at a competitive rate. This credit can be used to offset bank fees for products, services, and account activity. A detailed Account Analysis statement is mailed to the client on a monthly basis.

Note: Some products subject to client underwriting and bank approval.

Hybrid Accounts utilize operating balances to optimize the potential returns for clients. Blending the benefits of both account analysis to help offset any bank fees, while providing interest potential on excess funds.

This type of account provides the business client with the ability to earn interest on idle funds. Treasury Management assists the client in determining which type of account is the best fit:

• Repurchase
• Repurchase Sweep
• Money Market Sweep 
• Negotiated SuperNow 
• Negotiated SuperNow Sweep

Note: Not all products are FDIC insured.