Anchored on US Highway 90 in downtown Chipley at 1242 Jackson Avenue, Chipley, FL 32428 ((850) 638-0510), Capital City Bank (FDIC Certificate #9622, ABA Routing #063100688, Florida Sunbiz Doc# G75579; parent holding company Capital City Bank Group, Inc., Sunbiz Doc# K02131, founded 1895) provides Washington County seniors and families with both FDIC-insured retirement banking and full corporate fiduciary trust and wealth management services. Through Capital City Trust Company—represented for the Chipley branch by Vice President & Trust Officer Seth Jones—clients access corporate trustee and successor trustee administration for revocable living trusts, irrevocable asset-protection trusts, special needs trusts, and 14th Judicial Circuit probate estate settlement. Concurrently, Capital City Investments / Capital City Strategic Wealth provides fiduciary investment management and retirement planning at the Chipley branch through dual-registered SEC investment adviser and FINRA/SIPC broker-dealer LPL Financial LLC (Firm CRD #6413 / SEC File #801-10970), led for Chipley clients by Financial Advisor Benjamin Alfons 'Ben' Welter, CPFA® (Individual CRD #4987337, Certified Plan Fiduciary Advisor®, Series 7, 63, and 65 licenses, 18+ years securities experience since 2007, 0 regulatory disclosures). This listing also cross-references Chipley's historic community bank charter at 1385 Main Street, Chipley, FL 32428 ((850) 415-6870): One Florida Bank (a division of Hancock Whitney Bank, FDIC Certificate #12441, NMLS #454781, originally chartered in Chipley as One South Bank under FDIC Certificate #58811 and Florida Sunbiz Doc# P12000066139), offering FDIC-insured Traditional/Roth IRAs, CD ladders, safe deposit boxes, and regional coordination with Hancock Whitney Financial Consultants (Cetera Investment Advisers LLC, CRD #105644 / SEC #801-56629).
Official Verification Sources: FDIC BankFind — Capital City Bank (Cert #9622) & Hancock Whitney Bank / One Florida Bank (Cert #12441 / #58811); FINRA BrokerCheck — Benjamin Alfons Welter, CPFA® (CRD #4987337, Capital City Investments / LPL Financial); Capital City Bank Group — Chipley Branch (1242 Jackson Ave) & Capital City Trust / Strategic Wealth
Issuer: FDIC, Florida Office of Financial Regulation (OFR), SEC & FINRA
Notes: Verified 2026-10-23: Capital City Bank (FDIC Cert #9622, Sunbiz Doc #G75579) operates at 1242 Jackson Ave, Chipley, FL 32428 ((850) 638-0510). Corporate fiduciary trust services are overseen by Capital City Trust Company VP & Trust Officer Seth Jones; securities and advisory services are provided by Benjamin Alfons Welter, CPFA® (Ind. CRD #4987337, 0 disclosures) through LPL Financial LLC (CRD #6413 / SEC #801-10970).
Issuer: Federal Deposit Insurance Corporation (FDIC) & FL Division of Corporations
Notes: Originally founded in Chipley as One South Bank (FDIC Cert #58811, Sunbiz Doc #P12000066139) and renamed One Florida Bank before merging into Hancock Whitney Bank (FDIC Cert #12441, NMLS #454781), the branch at 1385 Main St, Chipley, FL 32428 ((850) 415-6870, Mon-Fri 8:30am-5:00pm) provides IRA CDs, safe deposit boxes, and access to Hancock Whitney trust and Cetera Investment Advisers (CRD #105644) wealth services.
Factual details and direct answers about Capital City Bank — Chipley Branch & Capital City Trust / Strategic Wealth (Seth Jones, Trust Officer & Ben Welter, CPFA® — with One Florida Bank / Hancock Whitney Chipley)'s services, licensing, and credentials.
Can Chipley and Washington County seniors access a corporate fiduciary trustee and LPL Financial advisor at Capital City Bank on Jackson Avenue?
Yes. Through the Capital City Bank branch at 1242 Jackson Avenue, Chipley, FL 32428 ((850) 638-0510), Washington County families can work with Capital City Trust Company Vice President & Trust Officer Seth Jones for corporate trustee and estate settlement services, and with LPL Financial Advisor Ben Welter, CPFA® (CRD #4987337, 0 disclosures) for fiduciary retirement portfolio and FRS DROP rollover management.
What happened to One South Bank / One Florida Bank at 1385 Main Street in Chipley?
Originally chartered in Chipley as One South Bank (historical FDIC Certificate #58811, Sunbiz Doc# P12000066139) and later renamed One Florida Bank, the branch at 1385 Main Street, Chipley, FL 32428 ((850) 415-6870) now operates as a division of Hancock Whitney Bank (FDIC Certificate #12441, NMLS #454781), offering FDIC-insured Traditional and Roth IRAs, CD ladders, safe deposit boxes, and access to Hancock Whitney wealth and trust specialists.
Connect with complementary legal, financial, and residential providers serving seniors in Chipley and Washington County.
The Law Office of Kristi Miller Novonglosky, P.A. (Kristi Miller Novonglosky, Esq. — Chipley Probate, Trust & Real Property Counsel)
Chipley, Washington County
(850) 638-7587
Chipley Housing Authority, NWFRHA Section 8 & Washington County SHIP Program
Chipley, Washington County
(850) 638-0134
Washington Rehabilitation and Nursing Center (Chipley 180-Bed Skilled Nursing, Post-Acute Rehab & Memory Care)
Chipley, Washington County
(850) 638-4654
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Florida Public Guardian & Guardianship Guide →
When to appoint a corporate fiduciary trustee like Capital City Trust Company for special needs and living trusts.
Senior Citizen Benefits in Florida →
Managing FDIC-insured retirement accounts, FRS DROP rollovers, and trust distributions in Washington County.
Strategic Wealth Specialists — Gavin A. Taylor & Kristopher 'Kris' Graham (Park Avenue Securities LLC — Chipley Branch)
Chipley, Washington County
Southern Financial Group — Josh W. Parrish & Wayne White (J.W. Cole Financial, Inc. / Southern Financial Group, LLC — Chipley Office)
Chipley, Washington County
Hare Taylor, LLC (G. Chuck Taylor, CPA) & Steverson & Associates, P.A. / Stephen B. Register, Jr., P.A., CPA — Chipley Certified Public Accountants & Retirement Tax Advisors
Chipley, Washington County
Community South Credit Union — Corporate Headquarters & Chipley Main Office (with Innovations Financial Credit Union & Tyndall Federal Credit Union Chipley Branches)
Chipley, Washington County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.