A Home Equity Line of Credit (HELOC) account is a loan that is a line of credit secured by the borrower's home. Clients have the option of accessing the HELOC funds with checks or by requesting a draw/advance against the line of credit.

Minimum Draw/Advance Limit

• Loans Dated before 04/03/2015
  • The minimum draw/advance requirement is $100.00. Any amount less than $100.00 cannot be processed.
• Loans Dated after 04/02/2015
  • There is no minimum draw/advance requirement.

Refer the client to a Personal Banker or Client Experience Manager for questions regarding their HELOC account.

Click on the tabs above for details on processing HELOC transactions.

A Capital City Bank (CCB) HELOC check issued by a client and payable to another individual may be cashed at the teller line following HELOC withdrawal procedures found in the Draw/Advance - Cash tab. 

A HELOC check or HELOC Withdrawal ticket payable to the client may not be cashed. Follow procedures for Draw/Advance - Cash or Draw/Advance - Money Order.

To process a CCB HELOC check issued by a client and payable to another individual, have the teller line process the check.  

Clients requesting a HELOC draw/advance for cash must first process a Draw/Advance - DDA Account transaction. Once this transaction is complete, process a withdrawal transaction from the client's Demand Deposit Account (DDA) account.

If the client does not have a CCB account, follow the Draw/Advance - Money Order transaction procedures. Cash will then be issued for the money order.

Clients requesting a HELOC draw/advance for funds transfer to a Demand Deposit Account (DDA) account must have the same account ownership for both accounts.

To process HELOC transfers to DDA accounts, do the following:

1. Verify the identity of the client by using one of the following:
   1. Identification: CSC Phone Procedures
   2. Clients in person
2. View the signature card and resolution to verify the ownership and if the individual making the request has the authority to do so.
3. In Xperience > SilverLake > Demand Deposits Menu > Demand Deposit Inquiry.
   1. Search for the client by Tax Identification Number (TIN), name, or account number.
   2. Click Related Functions.
   3. Choose Document/Image Inquiry.
   4. Select the most recent signature card by date. Note: Access the loan account client is requesting the transfer/debit from.
4. In Xperience > SilverLake > Retail Loan Menu > Loan Inquiry.
5. Search by TIN, name, or account number.
6. Verify the account title and review all contact information. Edit any information if required. 
   • Note:  HELOC and DDA account ownership must be the same for transfers. Do not process a transfer if account names do not match.
7. Click Related Functions > Credit Line.
8. Choose the HELOC account.
9. Click Select. 
   • Note: To determine if funds are available, scroll down on the Loan Credit Line Inquiry Information screen to view the Line Available under Account Details.
10. Click Account Inquiry tab to view the Original Loan Date.  
    1. HELOC dated before 4/3/2015 - Minimum withdrawal limit is $100.  Note: Do not cash HELOC checks on loans with a minimum draw/advance limit that do not meet the requirement.
    2. HELOC dated after 4/2/2015 - No minimum.
11. Click Related Functions > Transfers.
12. Click Add.
13. Enter Transfer Amount.
14. Click the drop-down menu.
15. Choose Y for In-Person or N for Phone Transfer.
16. Click Next.
17. Click the drop-down menu.
18. Choose the account to credit/deposit funds.
19. Click Next. 
20. In the Description field, enter the name of the client who is making the transfer. 
    1. Verify spelling of name as this information will print on each client's statement.
21. If this is a phone transfer, enter the phone number the client called from in the bottom description box.
22. Click Finish. Note: If any error messages appear, do not override the error until you review and understand the reason for the error.

Clients can request a HELOC draw/advance for issuance of a CCB money order by using a pre-printed HELOC check or HELOC withdrawal ticket.  

1. Verify the identity of the client.
   • Identification: CSC Phone Procedures
   • Clients in person
2. Access the Loan Inquiry screen to verify that the client is the borrower and the HELOC account available balance is sufficient for the amount requested.
   1. In Xperience > SilverLake > Retail Loan Menu > Loan Inquiry.
   2. Search by TIN, name, or account number.
   3. Click Related Functions > Credit Line. 
   4. Choose the HELOC account and click Select.
   5. To determine if funds are available, on the Loan Credit Line Inquiry Information screen, scroll down to view the Line Available under Account Details.    
3. Click the Account Inquiry tab.
4. View the Original Loan Date.  
   • HELOC dated before 4/3/2015 - Minimum withdrawal limit is $100. Note: Do not cash HELOC checks on loans with a minimum draw/advance limit that do not meet the requirement.
   • HELOC dated after 4/2/2015 - No minimum. 
5. Have the client complete a pre-printed HELOC check or HELOC withdrawal transaction ticket with the following information:
   • Date
   • Client name
   • Account number
   • Client signature
   • Amount of withdrawal
6. Prepare the money order and offset the credit copy with the HELOC pre-printed check or HELOC withdrawal ticket and a GL credit ticket to the office check fee general ledger account XXX 460450 6315 000. Note: If the money order is being issued for the purpose of obtaining cash, do not charge a fee.
7. In Xperience > SilverLake > Go To Vertex > CCB Supervisor Menu > Print a check > M2 Money Order.
8. Click Select.
9. Enter the amount for the money order. 
10. Enter the payee. Do not leave blank.
11. Enter the remitter information by clicking prompt and entering the client's information.
12. Click OK. 
13. Click Print.

Clients can access the equity by using a pre-printed HELOC check. 

To process a HELOC withdrawal using a pre-printed HELOC check, do the following:

1. Determine the identity of the client. Tip: Access the Loan Inquiry screen to verify the client is the borrower and the HELOC account available balance is sufficient for the amount requested.
   1. Identification: CSC Phone Procedures
   2. Clients in person

2. In Xperience > SilverLake > Retail Loan Menu > Loan Inquiry.
3. Search by TIN, name, or account number.
4. Click Related Functions > Credit Line.
5. Choose the HELOC account.
6. Click Select. 
   • Note: From the Loan Credit Line Inquiry Information screen view the Line Available under Account Details.  
     
     
7. Click Account Inquiry tab to view the Original Loan Date.  
   • HELOC dated before 4/3/2015 - Minimum withdrawal limit is $100 
     • Do not cash HELOC checks on loans with a minimum draw/advance limit that do not meet the requirement.
   • HELOC dated after 4/2/2015 - No minimum.
8. Instruct the client to prepare the pre-printed HELOC check and proceed to a teller to process the check. 

Clients requesting a HELOC draw or advance without a pre-printed HELOC check or CCB account can use a withdrawal ticket. Withdrawal tickets must not be used to issue cash to the client.  

Process a HELOC withdrawal ticket by doing the following:

1. Verify the identity of the client.
   1. Identification: CSC Phone Procedures
   2. Clients in person
2. On the Loan Inquiry screen, verify that the client is the borrower and the HELOC account available balance is sufficient for the amount requested.
3. In Xperience > SilverLake > Retail Loan Menu > Loan Inquiry.
4. Search by TIN, name, or account number.
5. Click Related Functions > Credit Line.
6. Choose the HELOC account.
7. Click Select.
8. On the Loan Credit Line Inquiry Information screen under Account Details view the Line Available.  
   
   
9. Click Account Inquiry tab to view the Original Loan Date.  
   1. HELOC dated before 4/3/2015 - Minimum withdrawal limit is $100. Note: Do not cash HELOC checks on loans with a minimum draw/advance limit that do not meet the requirement.
   2. HELOC dated after 4/2/2015 - No minimum.
10. Have the client complete a HELOC withdrawal ticket from the teller with the following information:
    • Date
    • Client name
    • Account number
    • Client signature
    • Amount of withdrawal

Tip: A teller can process the withdrawal ticket using the applicable transaction type.