Eligibility

As of January 31, 2023 Capital City Bank NO LONGER offers this product type. Empower Checking has been added as a replacement. Opportunity Checking was a second chance deposit account offered to clients who receive a decline when running ChexSystems. 

Requirements for Moving

To move an account from Opportunity Checking to another product (excluding Empower Checking) the following conditions must be met: 

• Account must be open for at least 12 consecutive months with no charge-offs
• Account must have a positive balance on the day of the request

• Client must have potential sales opportunities identified in Synapsys indicating CCBMobile Deposit Eligible Client

  To determine if the client has potential sales opportunities identified in Synapsys, do the following:

  1. In Xperience > Products > Synapsys CRM > Desktop, enter the client's name or social security number.
  2. View the client's 10-second View > Potential Sales Opportunities field.
  3. If they are qualified, CCBMobile Deposit Eligible Client is displayed. 

  Delete

Moving Procedure

To move a client account from Opportunity Checking to another product (excluding Empower Checking), do the following: 

1. In Xperience click Customer & Account Inquiry. 
2. Enter the client name, CIF, or TIN and then click Search.   
3. Click New Event/Activity > Create New Event > Service Session.
4. Click Deposit Services > DS-DDA/SAV product type change.
5. From the Account Number drop-down menu, choose the account number.
6. From the To Account Type drop-down menu, choose the product type.
7. Click Save and Submit.

Note: If a client requests to change to the Empower Checking product, you must close out the current account and open a new Empower Checking account. You cannot request an account type change to move into Empower Checking. 

Reopening Charged-off Accounts

Note: As of January 31, 2023 Capital City Bank NO LONGER offers this product type. Empower Checking has been added as a replacement.

If the client pays the charged-off amount in full, you can then proceed with opening a new account in the Empower Checking product type, even if they have been opened for 12 months or more. A ChexSystems inquiry is not required.