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Customer Service Center

Tel: 404-215-6700 Option 0
Toll Free: 1-866-758-7519

Contact Us:


 561 West Whitehall

Atlanta, GA. 30310

Mon.-Thurs.:  9am – 4pm
 Fri.: 9am – 5pm,

Closed: Sat. & Sun.

Student Banking


The Student Banking Model should be a leading financial tool that will teach, train, and develop financial leaders for a more prosperous tomorrow.


The Student Banking Model should be a learning financial tool that will teach, train, and develop financial leaders for a more prosperous tomorrow. The goal is to provide financial literacy for students, from kindergarten through twelfth grade, and enhance the probability of a successful transition from childhood to becoming sound and capable adults; whether they go to college or enter the workforce.


The Student Banking Program of Capitol City Bank & Trust Company is a very unique program which enables students to control their financial future. This program has two components, (1) entrepreneurship and (2) savings. The entrepreneurship portion trains students at an early age how to begin to manage their own businesses. The savings component, which is a very important aspect, encourages students to become wise investors and accumulators of wealth. If we begin to teach our children from an early age about money management, they will minimize financial difficulty as adults.  In the past, students have been taught through the school system’s economic programs. Capitol City Bank & Trust Company’s vision is to enhance the existing curriculum. We ask a question, what better way to control your future than to own and operate the institution that provides and/or handles the monies to start and operate a business?

Capitol City Bank & Trust Company’s President and CEO, George Andrews, along with Vincent Terry, Executive Director of United Youth of America, worked diligently along with the students, faculty and staff of Washington High School to open the first student operated bank in Georgia. Washington High School’s, The Washingtonian Student Bank of Atlanta, was opened on April 26, 1995, and reopened on January 20, 2010 with a complete makeover and a new name, Traditions Student Bank.  Capitol City Bank & Trust Company is doing its part along with help from the residential and business community to ensure that our children will have a strong financial future.



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Temporary unlimited deposit insurance coverage for noninterest-bearing transaction accounts (NIBTAs), including interest on Lawyer Trust Accounts, is scheduled to expire on December 31, 2012. Absent a change in law, beginning January 1, 2013, the FDIC no longer will provide separate, unlimited deposit insurance coverage for NIBTAs at insured depository institutions (IDIs).  

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes interest on Lawyers Trust Accounts ("IOLTAs").  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.  For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

© Copyright 2012 Capitol City Bank & Trust Co. All Rights Reserved. Member FDIC.