Cash or Savings to Money Order Procedures

Follow the procedures below to issue a Cashier Check or Money Order to a client at the teller window:

1. Enter the appropriate speed key:
   • Speed Key L - Cashiers Checks
   • Speed Key M - Money Order
2. Enter the Cash In or scan the Checks/Withdrawals.
   • Note: When cash is used to purchase either instrument, the client's account number is required to be entered into the system. 
3. Enter the appropriate fee. Refer to the Capital City Bank Other Services & Fees brochure.
4. Click Complete.
5. In the Payee field, enter the payee name.
   • Note: A payee name is NOT required for a money order and can be sold with this field blank.
6. In the Remitter (purchaser) field, click the magnifying glass and enter the client's last name, first name, account number, Tax ID or CIF.
7. Click the remitter's name and click Select Person. 
8. Use the Is Customer drop-down menu to choose Yes. 
9. Load the money order or cashier's check paper into the appropriate printer.
10. Click Print.
11. Ensure the client reviews the printed money order or cashier's check for accuracy.
12. A cashier's check MUST have an authorized associate sign the signature line and include their 4-digit employee ID# beside their signature. See Official Bank Check Signature Authorization procedures. 
    • If a money order is issued for bank use (for example: close account payout, loan proceeds), an authorized associate MUST sign the signature line and include their 4-digit employee ID# beside their signature.
13. Tear off the top portion of the money order or cashier's check and save for the office file. 
    • The transaction creates a virtual credit of the money order or cashier's check.
14. Give the client the printed money order or cashier's check and the client copy (center and bottom portion).
15. The credit for the Official Check Fee GL account is created as part of the transaction. 

The assigned speed keys should always be used to complete and issue monetary instruments to ensure the teller cash ticket is created and funds on the check/withdrawal used for payment are verified.


Information pertaining to issued and voided cashier's checks and money orders such as payee, remitter (purchaser), dollar amount, date and user ID, is retained in the CCB online check register. The register can be accessed through the Supervisor/Teller Menu screen. When a cashier's check or money order transaction is deleted it will void the instrument in the Checks Online Register.

On-Us Check to Money Order Procedures

Capital City Bank allows clients, non-clients and businesses to convert a CCB on-us check to a money order. The check presented must be drawn on guaranteed funds (for example: sufficient funds, no stops/holds).

To convert an on-us check to a money order, do the following:

1. Enter Speed Key M - Money Order.
2. Scan the Checks/Withdrawals.
3. Enter the appropriate fee. Refer to the Other Service & Fees brochure.
   • Do not deduct the fee from the amount of the money order.
4. Click Complete.
5. In the Payee field, enter the payee name to match the payee on the on-us check being negotiated.
   • The money order must be issued for the same amount as the check being negotiated
6. In the Remitter field, click the magnifying glass to enter the account owner's (check maker) last name, first name, account number, Tax ID or CIF.
7. Click the remitter's name and click Select Person. 
8. Use the Is Customer drop-down menu to choose Yes.
9. Click Complete.
10. Load the money order paper into the appropriate printer.
11. Click Print.
12. Ensure the client reviews the printed money order for accuracy.
13. Tear off the top portion (credit copy) of the money order and save for the office file. The transaction creates a virtual credit of the money order.
14. Give the client the printed money order and the client copy (center and bottom portion).

Note: CCB does not cash checks made payable to a business.

Manual Cashier's Check / Money Order

When the operating system is not available, pre-printed cashier's check and money orders are manually issued using a typewriter. If a typewriter is not in your office, legibly handwritten pre-printed cashier's check or money orders are acceptable. 

In offline mode you cannot access client's accounts for balance verification and other account information. Offline cash limits apply when applicable.

When a check/withdrawal is approved to purchase a cashier's check or money order following procedures, the initials of the approving associate must be on the funding check/withdrawal in the top left corner. 

A record of issued and voided pre-printed cashier's checks and money orders is required to be maintained in the office in the Cashiers Check Log and Money Order Log. Complete the log as applicable to issued and voided items. The cashier's check and money order logs records are maintained in the office for 10 years. Voided cashier's checks and money orders are to be destroyed.

Voiding Cashier's Check / Money Order

Voiding Cashier's Check

Voiding Money Order