Overview

The Making Cents: Round-Up Savings Service helps clients save with only the tap or swipe of a Capital City Bank VISA® Debit Card¹. 

When enrolled in the Making Cents service, debit card purchases made on a personal checking account are rounded to the next whole dollar amount in excess of the posted transaction amount and the extra cents are transferred to a designated secondary account². 

Round-up amounts are aggregated daily and post in a single transfer on the following business day (represented as ROUND UP Debit/Credit on statements).

¹ Making Cents is not available for VISA® business debit cards.

²Must have a Capital City Bank VISA® Debit Card linked to a personal CCB checking account. Furthermore, you must have a secondary CCB savings, additional CCB checking, or CCB Money Market account to serve as the receiving account in order to be eligible for this service.

Round-up and Save

Capital City Bank clients with a personal checking account linked to a VISA® Debit Card can enroll in the Making Cents: Round-up and Save program. A secondary account (for example: savings, checking, or money market) is required for receiving the excess amount of the VISA® Debit Card Transactions.

Round-up and Earn

Capital City Bank clients with a Level Up checking and savings account linked to a VISA® Debit Card are eligible for the Making Cents: Round up and Earn savings and matching service.  Level Up account clients who enroll in Making Cents earn a 2% match on the monthly debit card transaction round-up total, not to exceed $10 a month.

Note: The 2% match is only available to the Primary Client on a Level Up Checking account that is rounding up their debit card transactions to a Level Up Savings account. 

To Enroll in or Remove Making Cents

Clients can choose to self-enroll in the Making Cents Service by visiting www.ccbg.com/makingcents. However, clients cannot unenroll/remove the service on their own. They must call the Client Service Center or contact their local office to have the requested maintenance completed.

Be sure to print and provide the client with a copy of the Making Cents Terms & Conditions when enrolling them in the Making Cents Service. 

To enroll a client in the Making Cents: Round up and Save Service, do the following:

1. Xperience > Products > Synapsys CRM > Desktop. The Home/Suite Manager screen displays. 
2. In the Client Search field, enter the client name. Note: Change the search type from the drop-down menu to the appropriate field. 
3. Click Search. The client's 10 Second View screen displays.
4. Click New Event/Activity > Create New Event for client name > Service Session.
   
5. Click Search. The Add New Service Event window appears.
6. Choose Deposit Services > DS - Making Cents.
7. In the Summary field, enter a brief description of what you are requesting. For example:
   • Client would like to enroll in Making Cents.
   • Client would like to unenroll from Making Cents.
8. Use the arrows to choose the following:
   • Status
     • Choose New Event
   • Debit Card for Making Cents 
     • Choose the Debit Card linked to the Primary Account for the Making Cents Round Up Service.
     • Note: If the debit card is not listed as an option in the drop-down menu, enter the card number into the Comments section.
   • Add/Delete/Change 
     • Add Account - enroll a client in the Making Cents Service.
     • Delete Account - remove a client from the Making Cents Service
     • Change Account - make a change to the Secondary Receiving Account on an existing enrollment. 
   • Making Cents Receiving Account 
     • Enter the Secondary Receiving Account number.
     • Note: clients must have a secondary CCB savings, additional checking, or CCB Money Market account to serve as the receiving account in order to be eligible for this service.
   • Office
     
9. Click Save. 
10. Provide the client with the Terms & Conditions

Determine If A Client Is Enrolled In Making Cents

To determine if a client is enrolled in the Making Cents: Round-up Service, do the following:

1. In Xperience > SilverLake > Inquire on Cardholders
2. Enter the CIF in the Customer Number field.
3. On the Work with Cardholders screen, choose the client details and click Display.
4. If the Task bar displays Round Up Inquiry, then the client is enrolled in Making Cents with the debit card displayed. 
5. Click Round Up Inquiry for additional details:
   • Card and Member Number - Displays the debit card number associated with the Making Cents enrollment.
   • Account to number - Displays the secondary account number that receives round-up credits.
   • Card transferred to - If you update an enrollment to transfer to a new debit card for the primary account - new debit card number information displays here.
   • Match paid code 
     • N = No  Making Cents enrollment DOES NOT include match
     • C = Cycle  Making Cents enrollment DOES include match (Level up accounts) 
       

Determine If Round-up Was Paid

To review a client account and determine if a round-up transaction was paid, do the following:

1. In Xperience > SilverLake > Inquire on Cardholders
2. Enter the CIF in the Customer Number field.
3. On the Work with Cardholders screen, choose the client details and click Transactions. 
4. Click OK on the Transaction Search Criteria screen.
5. Review page 2 of the Transaction Detail to determine if round up was paid.