FAQs

The SouthState Bank routing number is 063114030.

Cut Off Times:

• Domestic Incoming – 6:00 p.m. ET
• Domestic Outgoing – 6:00 p.m. ET
• International Outgoing (Consumer) – 4:00 p.m. ET
• International Outgoing (Business) – 5:00 p.m. ET

Incoming Domestic Wire Transfer
SouthState Bank, N.A.
1101 First Street South
Winter Haven, FL 33880
ABA or Routing # 063114030

Incoming International Wire Transfers
SouthState Bank, N.A.
400 Interstate North Pkwy, Ste. 1200
Atlanta, GA 30339
Swift BIC: CSBKUS33

BENEFICIARY NAME:  Customer Name

BENEFICIARY ACCOUNT #: Customer Account Number

REFERENCE INFORMATION: [Optional]

Please contact Customer Care for further assistance.

Absolutely. As a best practice, notify us of your travel plans in advance so we can ensure your card does not get blocked. Please call us at (800) 277-2175 or use Debit Card Controls in Online or Mobile Banking to create your travel plan. Debit Card Controls gives you the flexibility to create a travel plan without the need to contact SouthState. Using the Travel Plan feature, you can create up to two travel plans per debit card at a time. 

1. Log in to SouthState Online Banking from the SouthState website, www.SouthStateBank.com, or the Mobile App
2. Click Services & Settings, then View Statements & Documents. Or, from the Account Tools tile on the home screen, click Statements & Documents.
3. Select the Account from the drop down menu.
4. Select the Document Type from the drop down menu.
5. Select the Time Period.
6. Click Continue.

Yes. You can use BillPay to make payments or click on your credit card within Online and Mobile Banking to access the website where you can make payments.

Click on the Forgot Password link located within the Login box in the top right of the web page.
 

Yes, you can pay bills through the Mobile Internet Browser or Mobile App. You can add new payments, as well as view, modify or cancel pending payments. Bill payments are not available with Text Banking. Message and Data rates may apply.

1. Go to the App Store (iTunes® or Google Play®).
2. Search for SouthState Mobile Banking App or SouthState Bank.
3. Once the App is installed, at the bottom, click Enroll.
4. Enter the following information: SSN, Account Number, Account Type, Mobile Phone Number, Email Address and create your Login ID. Tap Continue.
5. You will need to receive a Secure Access Code. Tap the delivery method you prefer.
6. Once you receive the code, enter it into the field provided and tap Submit.
7. Create a password and confirm your password. Tap Submit.
8. Review and Accept the online banking Terms and Conditions.
9. Tap Yes, I agree.
10. You will then be asked if you want to register your device. Please note: If you register your device, you will not be prompted for a secure access code at future logins on this same device. If you choose do not register device, you will be prompted for a secure access code the next time you log in.

Accepting the Terms of Service through Online or Mobile Banking is the only requirement to use the standard 3-day delivery speed. In order to use the Express Transfer delivery speed, customers must complete all of the following:

• Perform a successful standard inbound Bank to Bank Transfer of $500 or more within the last 30 days.
• Maintain a $750 balance in the SouthState account they are transferring to/from before the Bank to Bank Transfer.
• Have a positive balance for the last 3 months.

Yes. There is a daily and monthly limit. At anytime, you can click the blue circle icon next to the amount box to see your limits.

There is no fee to send funds to another bank unless you qualify for and choose express speed. However, there is not a charge to receive funds into your SouthState Bank account. Log in to Online Banking for fee details.

The cut-off time for Bank to Bank Transfer is 1 A.M. EST. After this time, all transfers will be processed and cannot be cancelled.

1. Log in to Online Banking at SouthStateBank.com or the Mobile App.

2. Click Transfer & Pay, then Pay Bills or from the Transfer & Pay tile on the home page, click Pay Bills.

3. If this is your first time setting up BillPay, you will be asked to verify your account information and agree to the Terms and Conditions.

4. Click Add biller to begin setup.

5. To add a Company, search under the given search bar, or you can type in the Company name. Click Next. Enter in the account number and zip code associated with the Company.

6. To add a Person, enter in the First and Last Name in the given search bar, then click Next. Then, click the Person tab and fill in the biller’s information. Once you have provided the information for the Company or Person, click Add. 

7. When you’re ready to send a payment, click the Pay button next to the specific biller you wish to pay. To make a payment, enter in the Amount and Deliver By date by the Company or Person you would like to pay, and click Pay at the bottom. Repeating payments can be added by selecting the biller and then Add AutoPay on the following screen. After following the prompts, you should see Active on the biller details page. You can then find your scheduled payments in the Recent Activity section.

Please note: If you have BillPay set up on multiple accounts, please be sure to select the account you wish to pay your bill from the drop-down box when you initiate your payment. If you need a guided tour of BillPay steps, click the ”?” icon in the top right corner.

1. Log in to Online Banking.
2. Click Transfer & Pay, then Pay Bills or from the Transfer & Pay tile on the home page, click Pay Bills.
3. Click Add biller.
4. Input payment information and click Add.
5. When you’re ready to send a payment, click the Pay button next to the specific biller you wish to pay. Delivery type will be listed on the following page after payment is submitted. 

Bill payments set up within BillPay will be paid according to how the biller will accept payments. Some vendors accept payments electronically, enabling us to pay them within one or two days.  Others do not accept electronic payments so a check must be mailed to them.  Depending on the location of where the check is being mailed, it may take three to five days for it to be received.

One of the following will occur:

• The payment amount is debited from your account and sent electronically to the biller.

• The payment amount is debited from your account, converted to a check, and then mailed to the biller.

• A check is created for the payment amount and mailed to the biller. Once the biller receives and deposits the check, the amount is debited from your account.

An eBill (electronic bill) is an electronic version of a paper bill that you can view and pay online. Receiving eBills enables you to access your bills anytime through Online Banking, reduces paper clutter and gives you enhanced security by reducing the amount of personal information traveling through unsecure mailboxes. You will receive an email reminder when a bill is due but will only see the eBill reminder icon in Online Banking and not in the Mobile App.

Once you are logged in to Online Banking and have clicked on BillPay, you will see your list of payees. For those that offer eBills, you will see an icon beside each name. Click on the icon and follow the steps to start receiving eBills.

Yes! Within Debit Card Controls, you can turn your card on and off. This can be done from the home page of Debit Card Controls by toggling the card slider on or off.

When your card is off, previously scheduled recurring payments and deposits using your debit card will still be approved. To stop these while your card is off, please call us at (800) 277-2175.

Yes. Under the Manage Card feature, select “Report Lost or Stolen.”

You will be prompted to call SouthState Customer Care to report the card lost/stolen and order a new card.

Yes! Debit Card Controls gives you the flexibility to create a travel plan without the need to contact SouthState. Using the Travel Plan feature, you can create up to two travel plans per debit card at a time. To create a travel plan, select Manage Travel Plans from within Debit Card Controls.

Any customer who has made a purchase using a credit/debit card at the impacted retailer or service provider.

Credit/debit card number, cardholder name, expiration date, cardholder verification value and service code. Sometimes, a customer’s PIN may also be exposed.

It is important to continuously watch the activity on your account to be sure the only transactions posting to your account are those you have authorized. As always, we closely monitor debit/credit cards for fraudulent activity. Various monitoring triggers are in place to identify suspicious activity, and if this occurs, your card could be blocked. Safeguarding your account is very important to us and we continue to monitor your debit/credit card for fraudulent activity.

As we are made aware of possible data breaches, we monitor all cards to determine whether we will issue new debit cards. We will notify impacted customers if we issue new debit cards as a result of a data breach.

As always, notify us immediately if you suspect fraud. Please keep in mind it may take up to one year before you see fraudulent activity appear on your account. It is important to review your account daily and immediately report all unauthorized activity.

You are not responsible for any fraudulent charges related to data security breaches and reported to us in a timely manner.

Your debit card is accepted at any medical service/product provider (e.g., doctor’s offices, pharmacies, medical supply stores). This cannot be used as an ATM card. Your card should only be used to pay for qualified medical expenses. If you use the card to pay for non-qualified medical expenses, you may be subject to income tax on those funds and IRS penalties.

There are no limits on the number of transactions per day. However, PIN and signature-based transactions cannot exceed $2,000 per day.

You are eligible for HSA contributions if you:

• Are covered under a high-deductible health plan (HDHP)
• Are not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventive care and limited types of permitted insurance and permitted coverage)
• Are not enrolled in Medicare
• Cannot be claimed as a dependent on another individual’s tax return

Note: A spouse can have single coverage under an HSA, if they are not covered under the other spouse’s plan. The account however, is for the individual covered under the HSA qualified plan only. Your insurance provider must be able to verify that your plan is a qualified HDHP.

HSA rules are determined at the federal level. Individuals may be eligible under state guidelines (domestic partners, civil unions, etc.) for qualified health insurance coverage, but not eligible to open the savings account portion of the plan.

If you are eligible, you can establish an HSA in much the same way you would establish an IRA – with a qualified custodian. Each year, you are responsible for determining your allowable annual HSA contribution and whether you have qualified medical expenses eligible for reimbursement with nontaxable HSA distributions. (include chart from HSA brochure) Additionally, a “catch-up” contribution is available for eligible individuals who are age 55 or older by the end of their taxable year and have not enrolled in Medicare. If you meet the eligibility requirements for an HSA, you, your employer, your family members, and any other person (including non-individuals) may contribute to your HSA. This is true whether you are self-employed or unemployed.

Mobile Deposits are limited to a total of $15,000 per business day. There is no limit on the number of checks you may deposit, as long as you have not exceeded your daily total deposit amount.

You can deposit personal or business checks payable in U.S. dollars and drawn on any U.S. financial institution or US Treasury Department. The check must be payable to, and endorsed by, the account holder.

You cannot deposit the following items through mobile deposit:

• Traveler’s checks
• Money orders
• Savings bonds
• Checks payable to any person or entity other than the person or entity that owns the account into which the check is being deposited.
• Checks payable jointly, unless deposited into a joint account with all payees available
• Checks containing any alteration
• Checks suspected as fraudulent
• Checks drawn on a financial institution located outside the U.S.
• Checks not payable in U.S. currency.
• Checks dated more than six (6) months prior to the date of deposit.
• Checks that have previously been submitted through Mobile Deposits or another remote deposit capture service offered at SouthState Bank or any other financial institution.
• Checks drawn on a home equity line of credit, or other convenience checks.
• Checks without a check or account number in the MICR line at the bottom of the check (Example: counter checks)
• Checks with writing or printing that obscures any part of the MICR line

Your check could have been rejected for several reasons including:

• Your check image was not clear.
• Your check exceeded the daily limit of $15,000.
• Your check was a duplicate deposit.
• Your check was not endorsed.

At any time you can see the status of the deposit in the Mobile App by selecting Deposit Check  and then Deposit Check History. Once your deposit is accepted, it will be shown under the accepted section of Deposit Check History.

You will need your Social Security Number, valid ID (Driver’s License, U.S. Passport, or State ID), valid address and a valid email address registered to your name. If your application will include a co-applicant, your co-applicant will also need to supply this information.

You can fund your checking, savings, or money market account during the online account opening process using a debit/credit card or by internal transfer through Online Banking using your existing SouthState account. You may also choose to fund at a later time with Mobile or ATM Deposit or by visiting a branch.

Certificates of deposit (CDs) must be funded during the online account opening process either by ACH or by internal transfer through Online Banking from your existing SouthState account.

Yes. You may add a co-applicant to your application. If your application includes a co-applicant, your co-applicant will also need to supply a Social Security Number, valid ID (Driver’s License, U.S. Passport, or State ID), valid address and a valid email address registered to his or her name.

You must be at least 18 years of age or the age of majority in your state of residence. Minors aged 13-17 (or up to age of majority for state of residence), may open an account with a with parent(s) or guardian as the Joint Signer.

• Domestic Incoming – 6:30 p.m. ET
• Domestic Outgoing – 6:00 p.m. ET
• International Outgoing (Consumer) – 4:00 p.m. ET
• International Outgoing (Business) – 5:00 p.m. ET

All wires submitted by these times are processed during the same day. Any wires submitted after these times are processed the following business day.

To receive an incoming wire transfer to your account, please provide the following information to the individual or business that is sending the wire:

• Your full account number
• The name on your account as it appears on your statement
• Bank Name: SouthState Bank, N.A.
• For domestic (U.S.) wires
  • Bank Address: 1101 First Street South, Winter Haven, FL 33880
  •  Wire routing transit number/AB 063114030
• For international wires (USD or Foreign Currency)
  • Bank Address: 400 Interstate North Pkwy, Ste. 1200, Atlanta, GA 30339
  • SWIFT CODE: CSBKUS33

The following information is required to send a wire:

• Name and address of the beneficiary
• Name of the beneficiary bank
• The ABA/Routing number for Domestic Wires or BIC/SWIFT Code for International Wires
• Beneficiary account number
• Purpose of Payment
• For wires sent internationally you might also need:
  • International Bank Account Number (IBAN)
  • International Routing Code (IRC), i.e. (UK Sort Code, IFSC Code, CLABE for Mexico)