Zelle® is a fast, safe and easy way to send, request, and receive money with friends, family or others in minutes, between domestic bank accounts at U.S. financial institutions. Using just the recipients U.S. mobile number or email address you can send money directly to their bank account, right from yours, with no fees using the Capital City Bank (CCB) Mobile Banking app or Online Banking.
Zelle® is available for CCB consumer accounts. Note: Zelle® is not available for consumer accounts that are tied to a Business Online Banking Service.
Zelle® for business clients is not yet available but we hope to offer it soon. Advise business clients that Bill Pay > All Bill Pay Options > +Payee > Pay a company/an individual is an option available through their Online Banking Services.
Click on the tabs below to learn more about Zelle®.
About Zelle
Click on the accordions below to learn more about Zelle® :
Who can use Zelle?
Clients who have a Capital City Bank personal checking account and are enrolled in online or mobile banking can use Zelle® for person-to-person payments to practically anyone with a U.S. bank account.
Note: Zelle® is not available for consumer accounts that are tied to a Business Online Banking Service.
DeleteCan I send money with Zelle to someone who is not a CCB account holder?
Yes.
If the recipient is not enrolled in Zelle® yet, they receive a notification explaining how to receive the money simply and quickly. Non-clients can download the Zelle® mobile app or enroll in Zelle® through their bank (if available) to accept your payment. 
If I have a small business, can I accept payments through the Zelle Common Mobile App?
No.
Unfortunately the Zelle Common Mobile App is not intended for use with business clients. CCB Business clients that are already enrolled in the Zelle Common App with their business account will be blocked from accepting payments through the Zelle Common App as well.
DeleteHow much does it cost to use Zelle?
There’s no fee to send or receive money with Zelle® using our Mobile Banking app or Online Banking.
Standard message and data rates may apply when using a mobile device.
DeleteCan I use Zelle at Capital City Bank if I already use Zelle at another financial institution?
Yes.
If a client attempts to enroll a U.S. mobile number or email address that is already enrolled in Zelle® with another financial institution, an in-app message asking if they wish to move the token (U.S. mobile number or email address) is received.
If a client wants to continue receiving money at their other financial institution, they must use a different U.S. mobile number or email address to enroll in Zelle® with Capital City Bank.
Note: Prior activity, contacts and scheduled payments do not transfer with the token.
Can I still use the Zelle app for payments?
No.
If a client is already set up to use their CCB account through the Zelle® app, the following screen appears when they access the Zelle® app:
Is Zelle Safe to use?
Yes!
Just be sure you are certain you have the correct e-mail address or mobile number for the person you wish to pay. There is no “oops” button or way to cancel a Zelle® payment once completed.
DeleteDoes CCB or Zelle offer a protection program?
Neither Capital City Bank nor Zelle® offers a protection program for any authorized payments using Zelle® .
Please remember: While Zelle® is a great way to send money to family, friends and people that you know and trust (such as your personal trainer, roommate, babysitter or a neighbor), we recommend you do not use Zelle® for potentially high-risk transactions (for example: if you don’t know the person) or aren’t absolutely certain you’ll get what you paid for (for example: items bought from an online bidding or sales site).
DeleteIs there a difference in Zelle through Online Banking and the Mobile Banking App?
No.
You can enroll, send and request payments, and view your Zelle® activity in both Online Banking and our Mobile Banking app.
DeleteIs there a fee for accepting Zelle payments?
No.
Capital City Bank does not charge for money accepted from a payment made with Zelle®, though standard message and data rates may apply when using a mobile device.
If the recipient accepts the money with a debit card or account at a financial institution other than Capital City Bank, then that financial institution may charge a fee for the payment. We recommend recipients review their deposit account agreements or contact their financial institutions before accepting a payment from Zelle® .
DeleteWhat happens if a client is currently using SEND person-to-person payments?
SEND is not available for payments after June 1, 2022. Any payments initiated through SEND by June 1 will be delivered to the recipient, as long as they accept the payment within 10 days. If the recipient fails to accept the payment within those 10 days, the payment is returned to the sender.
SEND access for business accounts is extended until June 28, 2022.
DeletePayment Limits
For the security or our clients, we set daily limits for Zelle® transactions to the following:
| Timeframe | Dollar Amount | # of Transactions |
|---|---|---|
| Day | $3,000 | 10 |
| Week | $6,000 | 30 |
| Month | $12,000 | 60 |
For NEW ACCOUNTS - 30 days or less
| Timeframe | Dollar Amount | # of Transactions |
|---|---|---|
| Day | $500 | 10 |
| Week | $1,000 | 30 |
| Month | $4,000 | 60 |
If a user exceeds limits, one of the following messages is received:
- Exceed Payment Limit: Cannot Send. You've exceeded your amount limit.
- Exceeded Velocity Limit: Cannot Send. You've exceeded your payments limit.
More Zelle Resources
See Zelle® Enrollment for details on enrolling through the Capital City Bank Online Banking service or CCB Mobile App
See Zelle® Payments for details on making and receiving payments as well as viewing payment status and activity.
See Zelle® or Client-to Client Transfers for details on when to use each service.
See Zelle® Error Codes for a list of codes and messages that are generated when a payment fails.
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