The Private Client Checking (PCC) account is a deposit product offered to qualified clients through the Private Banking department. To qualify, clients must maintain a minimum monthly consumer deposit total of $250,000 or have a total of $500,000 at market value in investments being managed by Capital City Trust Company or Capital City Investments. Once a client is qualified and opens the account they are entitled to a host of benefits and features. The full details on the PCC product and how clients can qualify can be found in Discussing Private Client Checking. 

• PCC accounts can only be opened or closed by Private Bankers.

Tip: Regardless of the account type, it is always best practice to check the account type before performing any type of account servicing. There are multiple account types that have special features that may require you to adjust the way you complete the request.

Opening

• If you believe you have a client that meets the qualifications for a Private Client Checking account, you can connect them to a Private Banker. 
• The Private Banker then connects with your client to discuss their assets and see if they qualify for the account. 
• The Private Banker is then responsible for opening, or converting a current account to, the PCC account.
  • Reminder: Don't forget to complete your referral for Take it to 10! Also, any PCC accounts opened as the result of a referral from an office will be assigned to the referring office. 

Closing

• If a client reaches out and wishes to close their PCC account, reach out to their Private Banker for a warm handoff.
• The Private Banker will then be responsible for ensuring the account is converted or closed.

Teamwork and Warm Handoffs

• It is always best practice to refer a PCC client to their Private Banker for their banking needs whenever possible. 
• If you are unable to contact their Private Banker or the Private Banking Administrative Assistant, make note of what you assisted the client with and send that information to the Private Banker on file. This is especially important if you are assisting the client with opening or closing non-PCC accounts.
  • For example: A PCC account holder stops in your office with their son and asks to open a joint Everyday Savings account. Once you have finished opening the account for the client, contact their Private Banker and let them know you have opened a new savings account. The Private Banker will then make sure the new account is linked to the client's banking relationship, ensuring all applicable benefits are applied.

Servicing these clients will require teamwork. For most PCC account holder's servicing needs, the client should be referred to their Private Banker on file or to the Private Banking Administrative Assistant. However there may be times when a Private Banker will reach out and request your assistance with servicing needs for 1 of their clients, or a PCC account holder may reach out with an immediate servicing need. Listed below are servicing requests that can be completed in an office or the Client Service Center (CSC) on an active PCC account. 

Note: The benefits listed below only apply if the servicing need is completed through the PCC account. Normal fees are to be charged if an associated account is used. For example: A PCC client wishes to have a stop placed on their Everyday Checking account. They should be charged the regular $35 fee.

Quick Servicing Needs

• Safe Deposit Box Discounts: Safe deposit boxes are opened by office associates after a Private Banker has completed a warm handoff of their client to the office where they wish to open a safe deposit box. 
  • Waive the key deposit. 
  • Complete the steps found in Safe Deposit Box Discounts to add the $25 discount.
• Increased Mobile Deposit Limits: PCC clients have an increased mobile deposit limit. However to have these limits raised they must first have completed a mobile deposit. If they contact you to have the limits raised after completing that initial deposit, send an e-mail to Online Services requesting the increased limit.
  • Be sure to include this is for an active PCC account holder in your e-mail subject.
• Wire Transfers: Waived fee for both domestic and foreign wires
• Stop Payments: Fee waived automatically
• Cashier's Checks and Money Orders: Fee defaults to $0.00, do not charge.
• Ordering Replacement Debit Cards: 
  • While it is preferable for PCC debit cards to be issued through Central Issuance, they can be printed in the office using Instant Issue.
  • Waive reorder fee and include in reason for waiving the fee “PCC Account”

  • Selecting the PCC Debit Card BIN

    In the StreamLine step ISO Number, select Private Client Check DB.

    Debit card related benefits for this account type are tied to the card's BIN. Failure to select the correct BIN results in the client being unable to access the full benefits of their account.

     
  • Full procedures found in Debit Card Order - Existing Account 
• Ordering Checks: PCC account holders get free Capital City Bank custom consumer wallet or duplicate checks. To order these checks do the following:
  1. Log in to Harland Clarke.
  2. From the Acct Plan drop-down menu, select Private Client Checking.
     
  3. If Private Client Checking Single Wallet or Wallet Duplicate is selected, the Order Summary screen displays a $0.00 total.

• Private Client Checking Brochure
• Guide to Getting Started 
  • Note: Do NOT provide this to clients that do not have an active Private Client Checking account.
• Private Banking Retail Presentation
• Private Client Checking Training Video - 30 minute training video on StarU Online
• Who to Contact: Private Banking
• For information on the Private Banking Money Market account, see Discussing Personal Money Market Accounts.