Atlantic Capital Treasury Conversion

Your accounts will transition to SouthState July 22-24, unless notified otherwise.

If your account number changes, you will receive notification in advance.

If you are a current Atlantic Capital Bank customer, once all accounts transition to SouthState, depending on the type of account you have, there may be changes to the account features. We encourage you to review the Account Information Booklet for detailed information regarding any changes to your account.

On July 25, 2022, the routing number for personal deposit accounts will change to 063114030. There should be no change in the routing number for your existing business account.

Yes, you will be able to access your loan in Treasury Navigator®. (If you have an SBA 7a, PPP or USDA loan, you can view your loan through SouthState Online Banking. You will need to enroll to view your loan.)

Yes. You will be able to transfers funds from your SouthState checking or savings account to make principal only and regular payments, as well as interest only payments. Please reference page 88 of the Account Information Booklet for a complete list of payment options.

Loan statements will be accessible in Treasury Navigator® for Commercial, however, an email will not be sent when it becomes available.

Should there be any changes to your loan, you will receive direct communication.

Your loan payment due date should remain the same, unless notified otherwise.

Beginning July 23, 2022, you can mail your loan payments to:

South State Bank, N.A.
PO Box 118068
Charleston, SC 29423-9910

Yes. Unless you are notified otherwise, your loan payments will continue to be drafted from your account as they are today.

Direct deposits or automatic drafts you have set up with your business deposit account should continue without interruption. There should be no change in the routing number for your existing business deposit account.

Yes. Existing stop payments will convert to SouthState with the expiration date previously disclosed. Stop payments requested as of July 23, 2022, onward will be effective for six months unless you request to renew the stop payment before the end of the six-month period.

Business customers with Treasury Services through ACE will transition to Treasury Navigator® on Monday, July 25, after conversion weekend, July 22-24. You will receive detailed information about the changes to your Treasury Services or online banking experience in mid-June.

In order to for you to continue your selected services and to ensure you and/or any authorized users are able to access your accounts using Treasury Navigator®, you will need to review and agree to the SouthState Treasury Management Master Service Agreement. (The Agreement was sent via DocuSign to a designated authorized signer on March 31, 2022, and will continue to be sent multiple times after, until it is signed.)

Business customers with Treasury Services through ACE will begin to transition to Treasury Navigator® July 25.

ACE will be retired at 9 p.m. ET Friday, July 22.

Yes. If you are an ACE for Treasury user, we encourage you to download the Treasury Navigator® Secure Browser now. Atlantic Capital systems will convert to SouthState in July, During the system conversion weekend (July 22-24), you will receive an Activation Key, which you will use to access Treasury Navigator®. Until you receive your Activation Key, continue to access your Atlantic Capital accounts as you do today.

Please follow the instructions in the Secure Browser Download Guide. This guide provides helpful information regarding the download process.

Please carefully review the Secure Browser Download Guide to ensure you meet the system and anti-virus compatibility requirements. Also, ensure you have administrative rights to your computer to install the Secure Browser. You may need the assistance of an IT representative from your company.

Over the system conversion weekend, July 22-July 24, you will receive your Treasury Navigator® Activation Key, which will allow you to access Treasury Navigator® and register a non-expiring PIN. You will use your PIN each time you log in to the Treasury Navigator® Secure Browser or Mobile App. Please note, you may choose to use the same PIN you used with ACE.

Continue to access your Atlantic Capital accounts as you do today. Over the system conversion weekend, July 22-July 24, you will receive your Treasury Navigator® Activation Key, which will allow you to access Treasury Navigator® and register a non-expiring PIN.

 

Your User ID will remain the same; however, you will be required to create a new password. You will receive detailed information regarding your login credentials and the login process when we combine Atlantic Capital’s and SouthState’s bank operating systems July 22 – July 24. Until then, continue accessing your accounts through ACE as you do today.

Statement and check images from January – April 2022 will be made available in Treasury Navigator®; however, this information may not be available the first time you log in. We will work as quickly as possible to make these statements and check images available to you.

By the end of August, statements and images prior to January 2022, as well as May - July 24, 2022 statements and images, will be available in Treasury Navigator®.

Lockbox services will be accessed through single sign-on from the Treasury Navigator® dashboard.

The reporting method for controlled disbursement accounts will change. Using the Balance Reporting feature within Treasury Navigator®, you will be able to retrieve the information needed for the current day. Create a new report with Checks Paid, along with the current day option. Generate the report by 11 a.m. to obtain controlled disbursement totals.

Some BAI2 file codes and descriptions will be updated. Please reference the chart available here to identify changes in how your transactions and account activity will display.

Existing ACH limits, templates and recurring ACH batches within ACE will convert to Treasury Navigator®.

Ninety days of ACH payment history will convert to Treasury Navigator®. However, we also encourage you to download and save your payment history within ACE, prior to July 22. Starting July 25, up to 18 months of payment history will begin to build within Treasury Navigator®.

The Customer Activity Report (CAR) in ACE for Treasury will be replaced with the ACH Return Item Notice/NOC Report in Treasury Navigator® for Commercial. You will receive an email notification from [email protected] when the ACH Return Item Notice/NOC report contains items for viewing. You can log in to Treasury Navigator® to access the report and view the items.

The deadline for same day ACH processing is 1:30 p.m. ET.

Wire transfer requests must be submitted in ACE by 4:30 p.m. ET on Friday, July 22, 2022 to be processed on schedule.

Wire Transfer templates will convert to Treasury Navigator®. Future dated wire transfers will not convert.

Yes. Listed below are the new Wire Transfer cut-off times (ET) effective Monday, July 25, 2022:

International Outgoing – 5 p.m.
Domestic Outgoing – 6 p.m.
Domestic and International Incoming – 6 p.m.

Wire Transfer notifications are called Wire Alerts and will only be sent to the email addresses of users who have been set up within Treasury Navigator®.

Additionally, available upon request in Treasury Navigator® for Commercial is a Wire Details Report, which provides a cumulative overview of all incoming and outgoing wires for the current day.

You will not need to modify incoming wire instructions for existing wire transfers. These should continue without interruption. However, beginning July 25, please be sure to include the following SouthState ABA/Routing Number in your incoming wire transfer instructions for net-new wire transfers: 063114030.

Wire requests must be completed online or in the branch. For security purposes, callback procedures will remain in place and may vary by customer and/or transaction amount.

If you initiate Wire Drawdowns in ACE (for example, payroll service bureaus), please be sure to notify your clients and the receiving financial institution that effective Monday, July 25, 2022, Wire Drawdowns will be received from SouthState with an ABA/Routing Number of 063114030. This update must be completed as of July 25 to avoid rejection of Wire Drawdown Requests.

Wire instructions for foreign currencies can be found here.

Check issue files should be uploaded to ACE by 8 p.m. ET on Friday, July 22, 2022, in order to be processed on time.

Positive Pay will be accessible through Treasury Navigator® for Commercial via the Control & Recon tab (Stops & Pos Pay tab in ACE) beginning Monday, July 25, 2022.

The decision deadline will remain at 4:30 p.m. ET.

If ACH Positive Pay decisions are not made by the deadline, the items will be returned, as that is the default decision for Treasury Navigator®. (This is the same default as ACE.)

The deadline to upload a Check Positive Pay issue file for same day processing will be extended to 11:55 p.m. ET, beginning July 25. Please note issue files uploaded to ACE prior to the transition to SouthState will be used for payment validation but will not be viewable within Treasury Navigator®.

All RDC deposits must be submitted by 6 p.m. ET on Friday, July 22, 2022. By July 25, RDC can be accessed through Treasury Navigator® just like it is in ACE. Existing RDC and mobile deposit limits will convert to Treasury Navigator®.

Yes. Beginning July 25, enabled customers will be able to deposit checks using the Treasury Navigator® Mobile App.

Please be sure to download and/or save any deposit transaction history and images you wish to keep for your records, prior to July 22, as it will not convert to Treasury Navigator®. Your RDC history will begin to build within Treasury Navigator® starting July 25 onward.

Yes. Your Bill Pay payees and payments will transfer to BillPay through Treasury Navigator®, including recurring payments and electronic bills (eBills).

If you use Bill Pay through ACE, you will be unable to initiate any new online bill payments beginning Friday, July 22, 2022, at 5 p.m. ET until the service becomes available within Treasury Navigator® on Monday morning, July 25. If you previously scheduled a bill to be paid during this time, it will still be paid as scheduled.

You will have access to six (6) months of bill payment history. Please print and/or save any additional history you may need prior to July 22.

Yes. Continue banking as you do today, unless notified otherwise.

Yes. We will issue new SouthState Visa® Debit Cards to Atlantic Capital customers late summer/early fall. You will receive additional communication prior to receiving your new SouthState Debit Card.

Yes. As an Atlantic Capital customer, you will receive a new SouthState Debit Card with a new card number. Additional communication will be sent to customers prior to receiving their new card.

Customers will be required to activate and set a PIN when they receive their new SouthState Debit Card. They can choose to use the same PIN as their old Atlantic Capital Debit Card.

Yes. You will be able to use Apple, Samsung or Google Pay with your new SouthState card.

Atlantic Capital customers will receive a contactless SouthState Debit Card. With a contactless debit card, you can make payments at any contactless-enabled terminal without swiping or inserting your card. Look for the contactless symbol   on a card terminal and tap or hold your card over the symbol to pay.

Protecting our customers is our top priority. We constantly monitor debit card transactions for suspicious activity.

We will make every attempt to notify you if we identify unusual transaction activity with your debit card.

No. Beginning July 25, a Foreign ATM Fee of $3 will apply to all accounts for non-SouthState Bank ATM withdrawals. A fee from the ATM owner, including Allpoint, may also be charged. We encourage you to visit any of our over 300 ATMs located throughout Florida, Alabama, Georgia, the Carolinas, and Virginia. Visit SouthStateBank.com/Locations to find an ATM near you.

If you don’t have an ATM nearby, we’ve found that many retailers, like grocery stores and drug stores, offer a cash back option at checkout. You will not incur a fee when requesting cash back.

You will not receive new checks. Please continue using your existing Atlantic Capital checks until you run out.

After the transition to SouthState, if you need to order new checks, you will receive SouthState checks at that time.

SouthState checks for personal accounts can be ordered through SouthState Online or Mobile Banking, by calling SouthState Customer Care at (800) 277-2175, by visiting a local SouthState branch, or through SouthState Phone Banking at (800) 763-0555.

For business accounts, we encourage you to call your local banker or Treasury Sales Officer directly with assistance with checks orders after July 22.

After the transition to SouthState, please call us and we will be happy to assist you with updating your information for your next check order.