Fresh Start is a program that allows clients to pay back an overdrawn consumer or business checking account with 4 equal monthly installments transferred from their Fresh Start account. No exceptions can be made to the 4 installments as this is a regulatory requirement. Fresh Start is not available on savings accounts.

Note: Enrolling in Fresh Start brings the account to a zero balance, while the overdrawn balance remains owed behind the scenes. This allows the client to use the account, once a deposit is made and is available, while simultaneously making installments as arranged towards the balance owed. The account can still be overdrawn or incur fees if funds are unavailable while enrolled.

The first time an installment is missed (for example: funds are not available in the account at transfer date), the system cancels the Fresh Start service and the account is charged off.

Clients must meet all of the following qualifications to be eligible for Fresh Start:

• The client has an account overdrawn $50 or more but less than $1,000
• Account has been negative for at least 30 days, but no more than 50 days
  • At 50 days an account is charged off
  • See Charged-off Status for more information.
• No unpaid charged off accounts
• Client has used Fresh Start less than 3 times (a client can utilize the Fresh Start program a maximum of 3 times)
• Client is able to make the equal monthly installments as agreed upon

Note:  While the account is enrolled in this program, bounce protection is suspended; bounce protection is reinstated the business day following the final Fresh Start installment.

Note: The client does not have to be present.

If qualifications are met to enroll the client in Fresh Start, do the following:

1. Check to see if the client qualifies for Fresh Start.
2. Create a Synapsys service event by doing the following: 
   1. In Xperience click Customer & Account Inquiry. 
   2. Search for client using name, CIF, or Tax ID. 
   3. Click Related Functions > CRM. 
   4. Click New Event/Activity > Create New Event > Service Session.
   5. Click Deposit Services > DS-Fresh Start.
   6. Click OK. 
3. In the Fresh Start Qualifying Requirements section, answer all the questions. If all the questions are answered YES, the client will be enrolled.
4. In the Installment Details section, the installment frequency remains monthly.
5. To calculate the installment amount, divide the overdrawn amount by 4  and enter the amount of the monthly installment.
6. Agree to an installment start date and enter it in the First Installment Date field. Note: The first installment date must be within 30 days of date of service event.
7. If the client is not in the office:
   • Deposit Services sends the agreement to the client by mail, email, or online banking, as instructed in the service event.
   • The client must sign and return the agreement to _Deposit Svc-Fresh Start@ccbg.com.
8. If the client is in the office:
   • Deposit Services e-mails the agreement to the requesting associate.
   • Have the client sign the agreement.
   • Scan the agreement.
   • Email it to _Deposit Svc – Fresh Start.

To view a client's previous Fresh Start enrollments, do the following:

1. In Xperience click Customer & Account Inquiry. 
   1. Search for client using name, CIF, or Tax ID. 
   2. Click Related Functions > Bounce Protection. 
2. View Times went to Fresh Start.