2 /5 G-Mitch: I have been banking ( Checking and Savings) with Capital City in Starke for a number of years…since 1995 prior to it becoming Capital City. During this time and now I have active ‘ direct deposits’ each month from. Social Security and Teacher’s Retirement , and maintains a large significant balance. Yet l am charged $6.95 each month for Service Fees. . What service? This, in my opinion, very unethical. I totally disagree and is strongly considering withdrawing and or transferring ALL of my monies from these accounts and begin banking with another institution.; .$83.40 a year is too much to give to a bank !!