The Carefree Checking account is for clients who want to keep their finances safer and take advantage of smart discounts on financial services and everyday purchases. Trust and Estate accounts are not eligible for the Carefree account type.
Click on the accordions below to learn more about Carefree Checking Accounts. See Carefree Getting Started for additional information.
Features and Benefits
Account features include:
- $6.95 monthly service charge
- E-statement or paper statement
- No per-check charge
- Only $50 opening deposit
- No minimum balance
In order to be eligible for all Carefree Checking benefits, account owners must be 18 years of age or older. Account benefits include:
- VISA debit card
- Online and mobile banking
- Bill Pay service
- Mobile Deposit
- Identity Theft Expense Reimbursement Coverage
- Comprehensive Identity Theft Resolution Services
- Debit and Credit Card Registration
- Identity Monitoring
- Credit File Monitoring
- Credit Report
- Credit Score
- Credit Score Tracker
- Identity Monitoring
- Cellular Telephone Protection
- Travel and Leisure Discounts
- Shopping Rewards™
Note: Capital City Bank does not charge for the use of Mobile Deposit, Online banking, or mobile banking. Fees charged by mobile service provider are the responsibility of the user. Mobile Deposit requires a Capital City Bank deposit account and is subject to approval. The client must purchase checks. Credit file monitoring may take several days to begin following activation. For more information, see Carefree Getting Started / Guide to Benefits.
Note: This product was updated with new terms and conditions August 2, 2021. Clients who opened this account prior to that date use these documents: Carefree Getting Started / Guide to Benefits.
About IDProtect®
Identity theft monitoring and resolution service is a personal identity theft protection service available to personal/consumer account owner(s) and their joint account owners. For agency and fiduciary accounts, the service covers the beneficiary, who must be the primary owner (fiduciary is not covered). Service is not available to a “signer” on the personal/consumer account who is not an account owner. Service is not available to revocable and irrevocable trust accounts and for-profit or not for-profit business/commercial accounts including sole proprietorships, corporations, limited liability companies, partnerships, clubs, organizations and/or churches and their members, schools and their employees/ students.
About Identity Theft and Reimbursement Coverage and Cellular Telephone Protection
Note: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefits or on the insurance document.
Identify Opportunities
Always be on the lookout for individuals who may need a checking account. Nowadays, almost everyone has or wants a checking account. Below are examples of prospective clients.
- Individuals who wish to have an account from which to write checks
- Individuals who want 24-hour access to their account through the use of ATMs, debit cards, or online banking
- Individuals who are new to the area
- Young people newly employed
- College and high school students
- Individuals who want easy record keeping
- Individuals who are recently married
Discover Client Needs
Before you recommend a product or service to a client, prospect, family or friend, it only makes sense to recommend things they might actually need or like. This is why it's important to ask questions that help us gain insight about an individual's banking preferences.
Sales Associates
To identify the very best checking account for each prospect based on his or her needs, you need to ask qualifying questions. The qualifying questions can be found within the checking account brochure or the Drill card.
The qualifying questions are asked in a specific order. Please memorize all the questions and make it second nature.
Non-sales Associates (Take it to 10)
If you don't feel comfortable with checking account product information, but are working towards your Take it to 10 goals, it is best not to worry about qualifying the prospect for a specific account. Instead, you would qualify if the prospect is interested in opening a checking account at CCB. To do this you might say:
I work at Capital City Bank and we offer several checking accounts designed to meet your banking preferences, including an Carefree Checking account. Would you be interested in learning more about them with an associate of mine?
Recommend Products/Services
When you have identified a need or learned about a prospect's banking preferences, you are ready to make recommendations that align with his or her goals.
Sales Associates
Below is an example of what you might say when recommending a specific checking account after having used the qualifying questions.
Based on what you have told me, I recommend our Carefree Checking account.
Non-sales Associates (Take It to 10)
If you are simply trying to make a referral to CCB, then you are recommending the bank, and even a specific banker. Below is an example of how to make this recommendation.
Because you are new to the area, and are looking for a place to open a checking account, I recommend Capital City Bank. I work there and I know it's a great place to bank. CCB is a stable, community bank that can help you with your financial needs as they arise. For example, we have checking accounts, mortgages and other great products and services. I know a friendly banker who would be willing to help you. Her name is _______________.
Handle Objections
It is highly likely that once you make a product or service recommendation, you will receive objections. Before responding, keep the following points in mind:
- Make sure you understand the question or objection
- Be empathetic
- Address the question or objection even if you can't change the product or service
- Check with the prospect to make sure he or she accepts your response or explanation
To respond to objections, use Feel, Felt, Found to structure your responses. Below are examples of checking account objections and suggested responses.
Sales Associates
Client objection: "I thought this was a free checking account. Why do I have to pay for checks?"
Feel: I understand why you may be confused that you have to pay for checks.
Felt: Many clients get confused as well, and they ask us the very same question.
Found: Although the account is free, the checks are not. We have found that most clients like to pay bills with the free Bill Pay feature through our Bank Online service. How does that sound?
Non-sales Associates
Client objection: "I'm not sure I want to open a checking account yet."
Feel: I understand you may not be ready yet.
Felt: Most people like to check out a few places or get recommendations before doing something.
Found: Most people I talk to find that Capital City Bank has all the bells and whistles of the big banks with a small community feel. You can always speak to one of our bankers who can tell you more about our checking accounts. Would you like to give it a try?
Ask for the Business
If you don't receive an objection or have already come to an acceptable resolution with the client or prospect, you are ready to ask for the business. Asking for the business is what we say to move the sale forward. Below are some examples of what you might say to ask for the business.
Sales Associates
- May I open that account for you now?
- Would you like to open the Carefree Checking account now?
- Do you want to open the account now?
Non-sales Associates
If you are making a referral for Take it to 10, you are trying to get the prospect to meet with a banker about a need. Below are some examples of what to say.
- May I get your contact information so I can have my friend, ___________, call you?
- Can I get your name and number so I can have a banker call you about opening your checking account?
- May I have a banker call you to help you find the best checking account for you?
Make a Referral
If you are a sales associate or non-sales associate who cannot open checking accounts, but have identified someone who is interested in a checking account, remember to refer him or her to an associate who can help.
Making referrals at Capital City Bank is as easy as A B C! Below is an example of the ABC method to making referrals.
Acknowledge or Ask questions about a need.
What do you typically look for in a financial institution?
Bridge with a transition statement highlighting how Capital City Bank can meet that need.
I work at Capital City Bank and we have free Online Banking that allows you to pay bills like you currently do. We also have Carefree Checking and other accounts that can meet your need.
Connect to a Capital City Banker that can help.
Our Personal Bankers can help you find the best account for you. Would you like for me to have one of them contact you at a time that works for you?
Process the Sale
The sale is generally processed one of two ways:
- An associate who can sell the product follows established policies and procedures to open a checking account.
- An associate connects the person to a qualified banker using a Synapsys referral for the checking account opening.
Additional Information on Sale Processing
For personal checking account procedures, see Help U.
See the Synapsys referral instructions.
