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SouthState

South State Bank
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FAQs

Frequently Asked Questions

General Banking FAQs

General Banking FAQs

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The SouthState Bank routing number is 053200983.

Cut Off Times:

  • Domestic Outgoing – 5:00 p.m. ET
  • International Outgoing – 4:00 p.m. ET
  • Domestic and International Incoming – 5:30 p.m. ET

Incoming Domestic Wire Transfer
SouthState Bank
2440 Mall Dr.
North Charleston, SC 29406
ABA or Routing # 053200983

Incoming International Wire Transfers
SouthState Bank
520 Gervais St.
Columbia, SC 29201

Swift Code: SSBAUS6S

BENEFICIARY NAME:  Customer Name

BENEFICIARY ACCOUNT #: Customer Account Number

REFERENCE INFORMATION: [Optional]

Please contact the SouthState Bank Wire Department at 866-229-5935 for further assistance.

Yes. It is a best practice to notify us at least 48 hours prior to traveling so that we can ensure that your card does not get blocked. Please call us at (800) 277-2175 or login to Online Banking and send us a secure message with your card number, travel dates and the location you are traveling to ahead of time. 

Online Banking FAQs

Online Banking FAQs

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  1. Log in at www.SouthStateBank.com or the Mobile App
  2. Click Account Services
  3. Click Statements & Documents
  4. Select the Account from the drop down menu
  5. Select the Document Type from the drop down menu
  6. Select the Start Date
  7. Select the End Date
  8. Click Continue
  9. Click View

Yes. You can use BillPay to make payments or click on the “Credit Card Info” link within Online Banking to access your credit card account to make payments.

Click on the Forgot Password link located within the Login box in the top right of the main navigation, or click here.
 

BillPay & eBill FAQs

BillPay & eBill FAQs

  1. Log in to Online Banking at SouthStateBank.com
  2. From the home screen, click Transfer and Pay.
  3. Select Pay Bills
  4. 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.
  5. Click Add a Company or Person to begin setup.
  • To add a Company, search under the given tabs, or you can type in the Company name. Enter in the account number and zip code associated with the Company.
  • To add a Person, enter in the First and Last Name with their Email Address or Mobile Number.
  1. Once you have provided the information for the Company or Person, click Send Money.
  2. Review the information, click Send to complete.
  3. To make a payment, enter in the Amount and Deliver By date by the company or person you would like to pay, and click Send Money at the bottom.
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 in the Payment Center.

Set Up Payment and Determine Delivery Type
To set up and determine how a BillPay payment will be sent, follow the steps below:

Online Banking

  1. Log in to Online Banking
  2. Click Transfer & Pay, then Pay Bills
  3. Click Add a Company or Person
  4. Input payment information and click Send Money
  5. Delivery type will be listed on the right-hand side of the next page
  6. Confirm Payment Information and click Send
 
Mobile App
  1. Log in to the Mobile App
  2. Select Transfer & Pay, then Pay Bills
  3. Tap Options
  4. Tap Add Payee
  5. Enter payment information.
  6. Select payment date.
  7. Payment method will display on screen after tapping the date.
  8. Tap Next
  9. Confirm Payment Details and tap Pay.

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.

Yes, you can. Simply contact our Customer Care Center and one of our personal bankers will be happy to make the change. You can contact them by calling (800) 277-2175 Monday through Friday from 8 AM to 7 PM and Saturday from 8 AM to 3 PM.

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.

Bank to Bank Transfer FAQs

Bank to Bank Transfer FAQs

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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 External 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 External 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.

Yes, there is a fee to send funds to another bank. 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 External Transfer is 1 A.M. EST. After this time, all transfers will be processed and cannot be cancelled.

Mobile Banking FAQs

Mobile Banking FAQs

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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. Log in to the Mobile App
  2. Select Transfer & Pay, then Pay Bills
  3. Tap Options
  4. Tap Add Payee
  5. Enter payment information.

To enable Touch ID2 /Fingerprint ID, follow these steps:

  1. Log in to the Mobile App and select the More menu.
  2. Toggle the Touch ID/Fingerprint ID switch to the On Position
    If there are no fingerprints currently stored on the device, the app will instruct users to set up at least one fingerprint on the device
    before enabling Touch ID/Fingerprint ID.
  3.  After enabling, the app automatically prompts for fingerprint when launching the app

For security purposes, the Mobile App requires users to enter their Password when performing transactions to move funds (transferring money, paying bills, paying people, etc.).

Mobile Deposit FAQs

Mobile Deposit FAQs

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Mobile Deposits are limited to a total of $7,500 per 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 $7,500.
  • Your check was a duplicate deposit.
  • Your check was not endorsed.

At any time you can see the status of the deposit by selecting Deposit and then View mobile deposit history. Once your deposit is accepted, it will turn green within mobile deposit history.

Online Account Opening FAQs

Online Account Opening FAQs

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Generally, it should take no longer than 10 minutes to complete an application online.

You will need your Social Security Number, valid ID (Driver’s License, U.S. Passport, Military ID 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 transfer funds from an account at South State or another financial institution, or you can fund your account through your debit or credit card. You can also choose to fund your account at a later time and make a deposit through Mobile Deposits or in a branch after opening an account.

Please note, funding may take up to three business days.

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, Military ID or State ID), valid address and a valid email address registered to his or her name.

To open an account online you must be at least 18 years or older.

Wire Transfer FAQs

Wire Transfer FAQs

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If you have a Wire Transfer Agreement on file, you can submit a wire request by visiting SouthStateBank.com/WireTransferRequest. If you do not have a Wire Transfer Agreement on file, please visit your local branch or call our wire team at (866) 229-5935.

  • Domestic Outgoing – 5:00 p.m. ET
  • International Outgoing – 4:00 p.m. ET
  • Domestic and International Incoming – 5:30 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
  • Bank Address: 2440 Mall Drive, Charleston, SC 29406
  • For domestic (U.S.) wires: Wire routing transit number/AB 053200983
  • For international wires (USD or Foreign Currency): SWIFT CODE: SSBAUS6S

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)
 
Health Savings Account FAQs

Health Savings Account FAQs

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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.

Zelle FAQs

Zelle FAQs

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Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank. .

To get started, make sure you have enrolled in BillPay through Online Banking. After enrolling in BillPay, you can access Zelle in Online Banking by selecting Send Money, clicking Send money with Zelle®, and following the steps to enroll with Zelle. To enroll with Zelle through the Mobile App, select Transfer & Pay within the app then click Send money with Zelle®.

Add a trusted recipient’s email address or U.S. mobile phone number, add the amount you’d like to send, include an optional note, review and press Send. In most cases, the money is available to your recipient in minutes.1

Choose Request, select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and press Request 3.

Just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
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We're Here to Help


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  1. Apple Pay and Touch ID are trademarks of Apple Inc.
  2. Google Pay is a trademark of Google Inc.
  3. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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