Capital City Bank Bonuses: $50, $100, $250 Checking, Referral Promotions [AL, GA, FL]

Find the latest Capital City Bank promotions, bonuses, and offers here.

Update 4/25/25: There’s currently a $250 checking bonus valid through 5/31/25.

Capital City Bank Bonuses Review

Capital City Bank is headquartered in Tallahassee, Florida and it was founded in 1907. Since then they have grown to 61 locations and they boast an A health rating.

Capital City Bank $250 Checking Bonus

• What you’ll get: $250 Bonus
• Eligible account: Checking Account
• Where it’s available: AL, GA, FL (Branch Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required: Optional
• Monthly Fee: Varies
• How to earn it:
  • For a limited time, use promo code WELCOME250 when you open your Carefree Checking account online with Capital City Bank AND receive a $250 bonus.
  • Complete at least one (1) direct deposit of $750 or more within the first 90 days.
  • To qualify for the $250 bonus, your Carefree Checking account must be open at least 90 days and in good standing at the time your bonus qualifying period ends.
  • Within five (5) days of when your bonus qualifying period ends, $250 will be deposited into your new account.

(Expires 05/31/2025)

Fine Print

• Offer good for new personal checking accounts only and is not available to existing Capital City Bank personal checking clients.
• To accept $250 new-account offer: Present this mailer at in-office account opening or use promo code WELCOME250 during online opening, fulfill the offer requirement to complete at least one (1) direct deposit of $750 or more (Direct deposit is an electronic deposit of paycheck, pension or government benefits [e.g. Social Security] from an employer or government entity received regularly as monthly income) within the first 90 days, and $250 will be deposited into the new account within fifteen (15) days of when your bonus qualifying period ends. One $250 bonus o?er per household.
• May not be combined with other o?ers.
• New account must be open and in good standing at the time bonus is credited.
• Bonus o?er is not available to those whose accounts have been closed within the past 90 days.
• Bank rules and restrictions may apply.
• Business and corporate accounts do not qualify for personal checking. Account subject to fees if overdrawn.
• Account features and service charges are subject to change. See account Disclosures(Opens in a new Window)(Opens in a new Window) and Guide to Bene?ts(Opens in a new Window)(Opens in a new Window) for complete details.
• Capital City Bank may report the value of any bonus received through any o?er to the Internal Revenue Service as required by law.
• IDProtect®: is a personal identity the? protection service available to personal checking account owner(s) and their joint account owners.
• Credit ?le monitoring may take several days to begin following activation.
• Registration/activation required.
• Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Bene?ts described.
• Please refer to the Guide to Bene?ts and/or insurance documents provided at account opening for complete details of coverage and exclusions.
• Coverage is o?ered through the company named in the Guide to Benefits or on the certificate of insurance.
• Cellular telephone bill must be paid through Carefree Checking account to receive this benefit.
• Available online only.

Capital City Bank $50 Referral Bonus

When you refer someone to open a checking account you can earn a $50 referral bonus.

• What you’ll get: $50 Bonus
• Eligible account: Personal or Business Checking Account
• Where it’s available: AL, GA, FL (Branch Locator)
• Credit Inquiry: Unknown
• Direct Deposit Required: Optional
• Monthly Fee: Varies
• How to earn it:
  • Personal Checking:
    • Receive a $50 Visa® Reward Card when your friend registers, opens a new Capital City Bank personal checking account, and meets one of the following qualifications within 60 days of account opening:
      • Makes 10 or more debit card transactions (eligible transactions must be posted and settled; excludes ATM and pending transactions)
      • Completes at least 1 direct deposit of $250 or more
  • Business Checking:
    • Receive a $50 Visa Reward Card when your friend registers, opens a new Capital City Bank business checking account, and meets one of the following qualifications within 60 days of account opening:
      • Makes 10  or more debit card transactions (eligible transactions must be posted and settled; excludes ATM and pending transactions )
      • Completes at least $500 in cumulative deposits

(Does Not Expire)

Fine Print

• The new account must be open and in good standing at the time of reward issuance in order to qualify.
• Referred Persons who have or had ownership interest in a Capital City Bank personal checking or business checking account within six (6) months of the referral are ineligible to participate in this offer.
• Revocable and irrevocable trust accounts and estate accounts are excluded from this offer.
• The Referral Rewards offer may not be combined with any other offers.
• The program may be discontinued or changed at any time without notice.
• Capital City Bank associates are ineligible to participate in this offer.
• The Visa Reward Cards are subject to Terms and Conditions delivered with the card.
• Capital City Bank may report the value of the bonus to the IRS as required by law.

How To Waive Monthly Fees

• CAREFREE CHECKING: $6.95
• EVERYDAY CHECKING: No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $1,500; otherwise, $7.95 per month
• PERFORMANCE CHECKING: No monthly service charge with either 20 debit card transactions* OR a minimum daily balance of $4,000; otherwise, $7.95 per month
• STUDENT CHECKING: None
• SAVINGS CLUB: None
• EVERYDAY SAVINGS: No monthly service charge with minimum daily balance of $200; otherwise, $3 per month
• BASIC SAVINGS: No monthly service charge with a minimum daily balance of $500; otherwise, $3 per month
• MINOR SAVINGS: None
• Money Market Accounts: No monthly service charge with minimum daily balance of $4,000; otherwise $15 per month
• EVERYDAY CHECKING FOR BUSINESS: No monthly service charge when you maintain a minimum daily balance of $2,500, complete 10 transactions per month with your business debit card* OR keep an active merchant services account+; otherwise, $10 per month
• PREMIUM BUSINESS CHECKING: No monthly service charge if you maintain a minimum daily balance of $5,000 OR keep an active merchant services account;+ otherwise, $12 per month
• BUSINESS CHECKING PLUS INTEREST: No monthly service charge with minimum daily balance of $1,500; otherwise, $10 per month
• COMMERCIAL BUSINESS CHECKING: $15 monthly service charge
• EVERYDAY SAVINGS FOR BUSINESS: No monthly service charge with a minimum daily balance of $200; otherwise, $3 per month
• BUSINESS MONEY MARKET: No monthly service charge with a minimum daily balance falls below $4,000; otherwise $15 per month
• PREMIUM MONEY MARKET FOR BUSINESS: None listed

Conclusion

The current Capital City Bank $50 referral bonus is pretty standard! The bonus amount is ok just make sure you can complete the requirements. For more information, take a look at our complete list of Bank Bonuses.

If you aren’t from these states, you can check out other top offers from HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.

CD accounts or Savings Accounts are also another great way to earn and save money. If you are interested, check out our nationwide list of Best Bank Rates and CD Rates.

Additionally, If you have experience with Capital City Bank, feel free to leave a comment below telling us what you like about the bank! Also, leave your contact information below to take advantage of the referral bonus.

Lastly, check back often for more Capital City Bank Bonuses, Promotions, or Offers!