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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.

Merchant Services
To better serve your business needs, Capitol City Bank & Trust Company has partnered with one of the most respected payment processors in the industry for merchant services. Through this partnership, we are able to bring you the most comprehensive suite of payment options in the market today.
 Point of Sale (POS) Terminals
We are certified on virtually every POS terminal on the market which makes switching quick and easy. During your initial meeting, your representative will recommend a new terminal that has the features and functionality to meet not only your current payment needs but also future needs as your business grows. Purchase and lease options are available on most terminals and peripherals.
 Credit Card Processing
With card swipe to settlement, you will have access to the most robust payment options available - including everything necessary to accept all of the credit card associations, including Visa, MasterCard, American Express, Discover, JCB and Diner's Club.
 Debit Card Processing
Up to 40% of all card transactions are made with a debit card. By offering debit, your customers can still purchase goods and services without having cash or a checkbook handy. Your customers can also have the added convenience of getting cash back on purchases...while you have increased protection against charge-backs.
 How PIN-secured debit can impact your business: 
·        Increase profits. The average debit purchase is approximately 17% higher than cash purchases. Debit acceptance can also increase impulse purchases, since customers do not need cash, a checkbook or a credit card.
·        Lower Costs. Realize savings by paying a flat or variable transaction fee (depending on the debit network) unlike credit card rates and transaction fees.
·        Reduce Fraud. Requiring the entry of a customer's secret Personal Identification Number (PIN) helps reduce fraudulent card usage.
·        Improve Customer Flow-Through. PIN-secured debit cards do not require businesses to record driver's license and phone numbers, which can speed up the checkout process.
 Electronic Benefits Transfer (EBT)
Sign up for PIN-secured debit processing and you're automatically eligible to accept Electronic Benefits Transfer transactions. As increased state and federal benefits are issued via EBT, demand for acceptance of this payment type will continue to grow in the retail environment.
 Gift Cards
A gift card program is a simple way for merchants to capitalize on existing customers, attract in new customers, and keep them coming back to your store. Gift cards are plastic, credit card-sized gift certificates embossed with your store's name. Customers purchase their gift cards from your store and can use them only at your store. For you, the cards are prepaid purchases. For your customers, they're a shopping convenience and a welcomed gift.
 Internet Shopping Carts
Internet Shopping Cart service provides Internet payment processing to existing Websites using a certified shopping cart. They provide the payment gateway and processing, providing merchants a valuable service - single-source Internet payment processing. They handle the entire transaction, eliminating the need for merchants to maintain separate contracts with a payment gateway and a processor. This eliminates the headaches associated with multiple vendors.
Getting Started
To learn more information or sign up for any of the services listed above, please contact our Customer Service Center at 404-215-6700 option 8.

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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.