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Carefree Checking


Explore the benefits of going Carefree!

Our Carefree Checking account with enhanced value-added services makes it simple to keep your family finances safer and take advantage of smart discounts on financial services and everyday purchases.

  • Help better protect your identity with IDProtect® Identity Theft Monitoring and Resolution Service1
  • Protect against unexpected losses with Cellular Telephone Protection1
  • Save when you play with Travel and Leisure Discounts and $hopping RewardsTM,1

  • Access tools to see the “big picture” of your finances with Financial Wellness 360o.

Learn more about each of these value-added benefits below.

1Some benefits require  registration/activation. The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefit described. See Carefree Checking Guide to Benefit or ask a banker for details on these services. 

Rest easy knowing that our identity theft monitoring and resolution service can help better protect your5 identity. 

  • Identity Theft Expense Reimbursement Coverage6 - Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud. (Registration not required. Coverage is available to you in the event you suffer an identity theft incident.)

  • Comprehensive Identity Theft Resolution Services - Should you suffer identity theft, your own fraud resolution specialist will help you every step of the way until your identity is restored.

  • Debit and Credit Card Registration - Register your credit, debit and ATM cards for peace of mind should your cards be lost or stolen. (Registration/activation required.)

  • Identity Monitoring - Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United State Postal Service records, and more. (Registration/activation required.)

  • Credit File Monitoring - Monitoring of your credit files daily and with automatic alerts of key changes to your credit report. (Registration/activation required.)

  • Credit Report and Score7 - Access to credit report and credit scores. (Registration/activation required.)

  • Credit Score Tracker - Receive valuable insight into your credit score7.
Important Information
5Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
6Special Program Notes: 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 Benefit or on the certificate of insurance.
7Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Thereafter, you will have access to your score on a monthly basis.
Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per twelve-month period. Covers up to three phones on a cellular telephone bill.^
 

Important Information
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 Benefit or on the certificate of insurance described. Visit a Capital City Representative today for more information about Carefree Checking.
^Cellular telephone bill must be paid through your Carefree Checking account.

Money-saving discounts from thousands of local and national businesses. Redeem and print coupons online from a mobile device. Digital Access makes savings super easy and convenient, giving instant savings anywhere and anytime. Available via mobile or web only.

Important Information
Registration/activation required.

Maximize your financial wellness with a one-stop source for unlimited one-on-one coaching, interactive courses, videos, infographics and more to help improve or sustain your financial wellness.

As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards account to use toward future purchases or can be sent to you as a check.
Important Information
Registration/activation required. Available online only.
Some features require registration and activation, while other features are automatic and should not require action.

Action Needed No Action Needed
Credit File Monitoring* Identity theft expense reimbursement coverage* up to $10,000
Credit Report* Identity Theft Resolution Services
Credit Score*
Credit Score Tracker*
Debit and Credit Registration
 Access to a fraud specialist
Identity Monitoring*
 Cellular Telephone Protection*
$hopping RewardsTM Travel and Leisure Discounts*

Financial Wellness 360o
You will need the unique Access Code supplied in your new account document to take advantage of these benefits. If you don't have your Access Code, call us at 888.671.0400 for assistance.
Important Information
Some benefits require registration/activation. 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.
Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the Bank or any bank affiliate.