Privacy Policy


Rev. March 2020

Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number, income, credit history and credit scores                     
  • Account balances and payment history

When you are no longer our customer, we continue to share your information as described in this notice.

How?All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Capital City Bank Group chooses to share; and whether you can limit this sharing.


Reasons we can share your personal informationDoes Capital City Bank Group share?Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes –
to offer our products and services to you
For joint marketing with other financial companiesYesYes

For our affiliates’ everyday business purposes –
information about your transactions and experiences

For our affiliates’ everyday business purposes –
information about your creditworthiness
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes


To limit our sharing
  • Visit any Capital City Bank office or
  • Call our Client Service Center at 888.671.0400

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provide this notice. When you are no longer a customer, we continue to share your information as described in this notice. You can contact us at any time to limit our sharing.


Questions?Visit any Capital City Bank office, call 888.671.0400 or go to


Who We Are
Who is providing this notice?Capital City Bank Group includes Capital City Bank, Capital City Home Loans, Capital City Investments and Capital City Trust Company.


What We Do
How does Capital City Bank Group protect my personal information?

We restrict access to nonpublic information about you to those employees who need to know that information to provide products and services to you. We also maintain physical, electronic and procedural safeguards that comply with federal laws to guard your information.

How does Capital City Bank Group collect my personal information?

We collect your personal information, for example, when you

  • Open an account, deposit money, use your debit card or credit card
  • Pay your bills or apply for a loan             

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.                 

What happens when I limit sharing for an account I hold jointly with someone else?Your preference will apply to any account on which you have sole signature authority. Your opt-out preference will remain in effect until revoked by you.



Companies related by common ownership or control. They can be financial and non-financial companies.

  • Capital City Bank
  • Capital City Home Loans
  • Capital City Invesments
  • Capital City Trust Company

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Nonaffiliates we share with can include companies such as mortgage companies, insurance companies, check printing companies and others.

Information is shared with nonaffiliates only when: 

  1. Necessary to provide services required to maintain your accounts or complete transactions you have initiated or
  2. Mandated or permitted by law or
  3. Required in the event of a national emergency
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include Elan, Elavon and LPL Financial.