Capital City Bank (CCB) partners with Amsive to identify new consumer prospect households across the bank's footprint that are likely to respond to direct marketing campaigns for opening new consumer deposit accounts.  

Postcard mailings and digital ads for prospective clients offer bonuses for opening a new personal checking account at CCB and meeting the bonus qualifications. See the Mailer and Digital Ad Examples and $25 Courtesy Offer tabs for further qualifications.

Postcard mailings instruct prospective clients to bring the special offer to a retail office to open their new account. Prospective clients can also use the code on the postcard to receive the bonus offer when they open an account online.

See the Mailer and Digital Ad Examples and Terms and Conditions tabs for more information.

1. Thank the client for coming in to open a new account with Capital City Bank.
2. Begin the new account opening process as usual.
3. Use the Qualifying Questions card to determine the best account type for the new client.
4. ChexSystems is required as this is a new relationship.
5. The Marketing Code - CA (Consumer Deposit Acquisition) is required for all new accounts opened in response to the New Consumer Account Acquisition Campaign.
6. Click the Terms and Conditions tab to review with the client.
7. Use the Switch Kit to assist the new client in moving all direct deposits and ACH credits/debits to ensure a smooth transition to Capital City Bank.
8. Obtain the postcard offer from the client and shred when client transaction is complete.

• Only valid for 1 offer per household.
  • Household is defined by the unique addresses on file.
    • Note: The $350 offer is only valid for the recipient named on the offer.
  • Also see $25 Courtesy Offer tab for more information on multiple members of the same household.
• Offer is only good for clients new to CCB and opening a personal checking account.
  • If the client has an active personal checking account already established or he/she has closed a personal checking account with CCB within the past 90 days, the client is not eligible for the account bonus.
• The account acquisition bonus cannot be combined with any other offers.
• The client's new account must be in good standing (positive balance) at the time the bonus is scheduled to be credited.
• Bonus offers are scheduled to be credited to the client's account 65 days following account opening.
  • Note: The $350 bonus offer is credited to the client's account on day 105.
• CCB reserves rights to deduct the $350 bonus from accounts closed within 180 of opening.
  • See the Bonus Deduction Process tab for details. 

Available under these 2 scenarios only: 

• A walk-in client indicates that he/she has heard about and wants the special offer; however, he/she did not receive a postcard.
• Multiple members of the same household that did receive a postcard would like to open additional personal checking accounts and are asking about receiving the special bonus offer.

To process these offers do the following:

1. Thank the client for coming in to open a new account with Capital City Bank.
2. Begin the new account opening process as usual.  
3. Use the Qualifying Questions card to determine the best account type for the new client.
4. ChexSystems is required as this is a new relationship.
5. Click the Terms and Conditions tab to review with the client.
6. Use the Switch Kit to assist the new client in moving all direct deposits, ACH credits/debits, etc. to ensure a smooth transition to Capital City Bank.
7. A Synapsys Service Event is required the day after account opening to assure the account receives the $25 courtesy bonus.  
8. In Xperience, click the CRM icon.
   
9. Click New Event/Activity > Create New Event > Service Session. 
10. Choose Deposit Services > DS - $25 Courtesy Offer.
11. Click OK.
12. Complete the following fields:
    • Summary: Detail which scenario pertains to the client qualifying for the $25 courtesy offer.
    • Assigned To: Defaults to _Deposit Serv Other
    • Account Number: Use the drop-down menu to select the account opened that qualifies for the $25 courtesy offer. 
    • Comments: Any additional information that is needed for Deposit Services to complete the request.

Click on the accordions to see examples of the postcard offers for the $350 and $50 offers. (Note: The $250 offer is digital only cycle.)

$350 Mailer Example

Front:

 

Back:

 

 

$50 Mailer Example

Front:

 

Back:

 

 

 

$350 Digital Example

 

 

$250 New Account Digital Example

 

 

$50 Carefree Digital Example

 

 

Disclosed in the $350 new account offer is the right for Capital City Bank to deduct the bonus amount at closing if the new checking account is closed by the client or Capital City Bank within 6 months after account opening.  This disclosure is primarily meant to be a deterrent for prospects looking to take the bonus and immediately close out their account with CCB. 

To determine if a client received the $350 bonus look for the marketing code CA or for a 37 - Misc Credit $350 New Account Offer post. 

To close a new checking account with a $350 bonus (balance greater than $350), do the following:

1. Review account details:
   1. When a client requests to close a new checking account that has been open for less than 6 months and has received a new account acquisition bonus, the associate must first review the available balance in the account.
2. Check balance:
   1. If the available balance is greater than $350, proceed to the next step.
3. Notify the client:
   1. Inform the client that the $350 bonus amount will be deducted from the closing balance as part of the account closure process.
4. Proceed with closure:
   1. After informing the client and obtaining their acknowledgement, proceed with closing the account and deducting the bonus amount as specified.
5. Processing the bonus deduction:
   1. Create an Account Memo Debit for $350, include in the description Account Acquisition Bonus Deduction and create a General Ledger Credit ticket to DD Settlement.  On the GL Credit include in the description Account Acquisition Bonus Deduction for Early Closing and include the clients name and account number that received the deduction.

To close a new checking account with a $350 bonus (balance less than $350), do the following:

1. Review account details:
   1. When a client requests to close a new checking account that has been open for less than 6 months and has received a new account acquisition bonus, the associate must first review the available balance in the account.
2. Check balance:
   1. If the available balance is less than $350, proceed to the next step.
3. Normal closing process:
   1. Move forward with the normal account closure process without deducting the $350 bonus from the client's balance.
4. Complete closure:
   1. Complete the account closure according to standard closing procedures.