Independent Financial Banking Conversion

The transition to SouthState occurs May 23-May 26.

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

We encourage you to review the Account Information Booklet for detailed information regarding any changes to your account. You may also receive a separate communication regarding any changes to your account.

On May 27, 2025, the routing number will change to 063114030.

Direct deposits and automatic drafts will continue without interruption. However, as a best practice, we encourage you to update the routing number with any businesses and/or government entities that send you direct deposits or draft payments from your account.

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 May 23, 2025, you can mail your loan payments to:

SouthState Bank, N.A.
PO Box 118068
Charleston, SC 29423

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

Yes. You can make your payments using BillPay or any other third-party bill payment service. Please be sure to update the biller’s information with SouthState’s name and address on May 27.

You can make your payment via internal transfer from your SouthState checking or savings account to your loan using Online or Mobile Banking. (Internal transfer capabilities are not available for SBA 7a, PPP and USDA loans viewable in SouthState Online and Mobile Banking.)

Although you will be unable to make payments through SmartPay, you can make payments using the SouthState Online Loan Payment System. (SBA 7a, PPP and USDA loans cannot use this system to make loan payments.)

You can make your loan payments in a variety of ways:

• You can choose to have your payment drafted from your checking/savings account with SouthState or another financial institution.
• You can mail your payment to South State:
  
  South State Bank, N.A.
  PO Box 118068
  Charleston, SC 29423
• If you have a checking or savings account with SouthState, you can make an internal transfer to pay your loan using Online or Mobile. (Internal transfer capabilities are not available for SBA 7a, PPP and USDA loans viewable in SouthState Online and Mobile Banking.)
• Make your payment using SouthState BillPay or other third-party bill payment system. (Please be sure to update the biller’s information to the SouthState name and address above.)
• Utilize the SouthState Online Loan Payment System. Payments to SBA 7a, PPP and USDA loans cannot be made through the SouthState Online Loan Payment System.
• You can make a payment at your local branch.

Yes. When sending your payment to SouthState, please notate that the payment should be applied to the principal balance. Keep in mind, we will only apply the payment to the principal balance if you have already satisfied your payment for that month.

You can also make principal payments through Online Banking.

Yes. You can continue to use your Independent Financial Credit Card as you do today.

We will issue new SouthState Credit Cards once system conversion is complete.

Your new SouthState Credit Card will feature the same card number as your Independent Financial Credit Card. However, the three-digit security code and expiration date on your SouthState Credit Card will be different.

You can access your account via www.myaccountaccess.com. Your login information will not change. Beginning May 28, you will also have the ability to access your credit card information through SouthState Online or Mobile Banking after the transition to SouthState is complete.

If accessing your credit card through SouthState Online or Mobile Banking, you will be redirected to myaccountaccess.com when clicking on your credit card. If you already created an account through myaccountaccess.com, you will not be required to log in again but will be taken directly to view your account details.

Call the number on the back of your credit card (800) 558-3424 or Customer Care for assistance.

Yes. Please continue using your Independent Financial debit card and checks.

Yes. We will issue new SouthState Visa® Debit Cards within a few months after system conversion. You will receive additional communication prior to receiving your new SouthState Debit Card.

Yes. You will receive a new SouthState Visa® Debit Card with a new card number. Additional communication will be sent to you prior to receiving your new card.

You will be required to activate and set a PIN when you receive your new SouthState Debit Card. You can choose to use the same PIN as your Independent Financial Debit Card.

Yes. You will be able to use Apple Pay, Samsung Pay and Google Pay with your new SouthState card. If you use these services today with your Independent Financial Debit Card, you will need to re-enroll in these services with your new SouthState Debit Card when you receive it.

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.

Log in to Online Banking or the Mobile App. Click the Account Services tab, then click the Debit Card Controls option listed in the drop-down menu. This will take you to the Debit Card Controls homepage.

You can learn more about Debit Card Controls here.

No. Withdrawals made after Friday, May 23, at non-Independent Financial and non-SouthState Bank ATMs, including those within the MoneyPass ATM network, will be assessed a $3 Foreign ATM Fee (unless account disclosure indicates otherwise). A fee from the ATM owner (including MoneyPass ATMs) may also be charged.

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 Independent Financial 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.

Beginning May 27, 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, checks can be ordered 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 specialized checks, we encourage you to contact your local banker.

After the transition to SouthState, please call us at (800) 277-2175, and we will be happy to assist you with updating your information for your next check order.

Personal Banking and Small Business customers using Independent Financial Online Banking will transition to SouthState Online Banking on May 27, 2025.

If you have never used Independent Financial Online Banking or have not logged in to Independent Financial Online Banking in the last 12 months, you will need to enroll in SouthState Online Banking beginning May 27, 2025. Otherwise, you will not be required to enroll and will be able to log in using your Independent Financial Username.

The browsers below are supported. If your browser is not listed, please update it for the best user experience and to avoid any interruptions in your service.

• Apple Safari (current and previous two versions)
• Google Chrome (current and previous two versions)
• Microsoft Edge (current and previous two versions)
• Mozilla Firefox and higher (current and previous two versions)
• Operating System: Microsoft Windows 10 or Mac OS X 10.10

To update your browser, please reference the steps below.

Google Chrome:

• Open Chrome
• At the top right, click the three dots.
• Click Update Google Chrome. If you can’t find this button, you are using the latest version.
• Click Relaunch.

Microsoft Edge:

• Click on the Main Menu button in the top-right corner of the screen.
• Hover over the Help and Feedback menu item.
• Click About Microsoft Edge.
• Edge will automatically check for updates and proceed to update

Mozilla Firefox:

• Click on the menu button in the top right corner.
• Click Help.
• Click About Firefox.
• Click Check for Updates.
• Click Update.
• Click Restart Firefox to Update.

Safari:

• Open the App Store¹⁰
• Click Updates.
• Find and activate the Safari Update.
• App Store will now update Safari.

Unless notified otherwise, you will use your Independent Financial Online Banking Username as your Login ID to log in to SouthState Online and Mobile Banking beginning May 27, 2025. Watch our First-Time Login Video for step-by-step instructions.

If you do not remember your Username, you can click the Forgot/Reset Login link, at the bottom of the Login box on the homepage of SouthStateBank.com, and complete the fields provided to receive your Login ID.

No. After logging in to SouthState Online or Mobile Banking you can enable the following login options:

• Challenge Code: Available in Online Banking & the Mobile App, you can enable this feature to gain one-time online access rather than using your Login ID and Password.
• Biometrics: Available on the Mobile App, you can use Face ID and/or Touch/Fingerprint ID to log in.
• Passcode: Available on the Mobile App, you can set up a passcode to gain access to the Mobile App rather than using your Login ID and Password.

The Secure Access Code, or SAC, is a six-digit passcode that helps verify your identity when logging in to SouthState Online or Mobile Banking. You will be prompted to receive a Secure Access Code via email, text or phone call when logging in. To bypass the passcode for future logins, you will be able to select Remember my device, after entering the six-digit passcode.

Please note to avoid being locked out, DO NOT EXIT the Online or Mobile banking screen while retrieving your SAC, and do not select Forgot Password.

To change your Login ID, select Preferences from the menu options in SouthState Online or Mobile Banking. Click Security Preferences, then Change Login ID.

Yes. You will need to download the SouthState Mobile App. You will be able to log in to the SouthState Mobile App on Tuesday, May 27.

Although the navigation is different, convenient services and features are still available. Reference the chart below for help navigating SouthState Online and Mobile Banking to find the previous features and services you accessed through Independent Financial Online Banking.

Yes. You will be able to make your loan payments – regular, principal only, escrow only and late charge payments – on the Loan Payments page in SouthState Online and Mobile Banking.

Yes. You will be able to make loan payments through the Mobile App.

After the transition to SouthState, to make a loan payment:

• Click the Transfer & Pay icon at the bottom of the Mobile App or in the main navigation of Online Banking.
• Click Pay Loans to access the loan payments page.
• Complete the necessary fields and click Submit.

After the transition to SouthState, you can access eStatements through SouthState Online and Mobile Banking by clicking Account Services, then Statements & Documents. You will then be able to search for statements by account and time period.

You will be able to begin viewing past statements in June. 2025 statements and up to 90 days of past check and deposit images will be available in September.

Beginning May 27, you can take advantage of the categorization feature in SouthState Online and Mobile Banking. You must accept the Financial Tools Agreement first. To do this, click Get Started at the top of the Online Banking home page, then Continue to accept the Agreement.

You can change your contact information by selecting Preferences from the navigation menu and clicking Contact Information.

Using CHAT within SouthState Online and Mobile Banking, you can receive assistance virtually from a member of our Customer Care team. CHAT is available Monday-Friday, 7 a.m. - 8 p.m. ET and Saturday, 8 a.m. - 5 p.m. ET.

Follow the instructions below to enroll in Alerts within SouthState Online and Mobile Banking.

Account Alerts

• Log in to Online Banking at SouthStateBank.com or the Mobile App.
• On the right-hand navigation, click Manage Alerts.
• Click Manage Account Alerts.
• Accept the Real-Time Alerts Terms & Conditions.
• Toggle each contact method you want to enable to ON.
• Click Next.
• Enter the confirmation codes that were sent to each contact method.
• Click Verify next to the contact method after you input the confirmation code.
• Click Close.
• Choose the alert you wish to enable.
• Toggle the alert to ON.
• Check the box next to the contact method you prefer.
• Click Add.

Security Alerts

• Click Manage Alerts from Quick Links on the right-hand side of home page or under Account Services within the Mobile App.
• Under the Security Alert header, you’ll see the various security alerts.
• Security Alerts in gray cannot be changed.
• If they can be changed, you can move the slider to turn the alert on or off.

Apple Watch users will be able to see their account balances and most recent transactions on their watch display.

After the transition to SouthState, to enable the App on your Apple Watch:

• Click Menu in the mobile thumb bar.
• Click Preferences.
• Click Apple Watch.
• Toggle Apple Watch ON, on the Apple Watch page.

Yes. You will be able to access BillPay through SouthState Online and Mobile Banking. When logging in to SouthState Online and Mobile Banking for the first time, we encourage you to verify your payee information and payment dates in BillPay.

If you have used Independent Financial Online BillPay in the last 12 months, your payees and payments will convert to SouthState BillPay.

Not all eBills will convert to SouthState BillPay. We encourage you to review your BillPay information upon logging in to SouthState Online and Mobile Banking for the first time to determine if you need to enroll a biller in eBills.

Any payments you have scheduled during the transition weekend will still be paid as scheduled.

Yes. Six months of your bill payment history will be available in SouthState BillPay.

After the transition to SouthState, to access BillPay:

• Click the Transfer & Pay icon at the bottom of the Mobile App or in the main navigation of Online Banking.
• Click Pay Bills.

To enroll a biller in eBills, follow the steps below:

• If eBills are available for the biller, a message will be displayed under the Company Name.
• Click Get your electronic statements and payment reminders here with eBills.
• You will be asked to confirm your identity by entering your mobile phone number and last four digits of your SSN.
• Click Request eBills.

Once enrolled, you will not be able to receive both paper statements and eBills. You will receive notifications whenever an eBill is due or has arrived.

To add another account to BillPay, please contact Customer Care at (800) 277-2175.

No. Your Zelle profile, accounts, contacts and transaction history will NOT convert to SouthState. Please be sure to print and/or save any transaction history you wish to keep for your records, prior to May 23.

To access and enroll in Zelle®:

• Click the Transfer & Pay icon at the bottom of the Mobile App or in the main navigation of Online Banking.
• Click Send Money with Zelle.
• Accept the Terms and Conditions to access Zelle.
• Upon accepting the Terms and Conditions, you will need to decide whether to enroll in Zelle using the email address or phone number on file with your Online Banking profile (these will display when enrolling), or if you want to enroll with another email or phone number.
• Verify the email or phone number you’ve enrolled with by receiving and entering a six-digit verification code.
• Confirm the account for payments to be sent to and begin to send or request money.

Yes. You will have the ability to schedule a payment to occur at a future date and set up recurring payments.

We are pleased to offer budgeting tools to assist you in managing your funds. These tools include transaction categorization, budget planning, spending analysis, month over month trends and more.

If you use third-party account aggregators, you will need to re-link your SouthState accounts.

After the transition to SouthState, you will be able to categorize your transactions within SouthState Online/Mobile Banking:

• You must accept the Financial Tools Agreement first. To do this, click Get Started at the top of the Online Banking home page, then Continue to accept the Agreement.
• To categorize your transactions, click an Account Tile from the home page of Online or Mobile Banking.
• Click a Transaction Description (additional transaction details will display).
• Click the pencil icon next to the Category field.
• Select new Category from the list provided. (You will have the ability to search and personalize categories).

Yes. To allocate one transaction to multiple budgeting categories, click on the transaction from your history > click the three dots > select split transaction. From there, you can specify a value for each category you choose.

Yes. Internal transfers previously scheduled through Independent Financial Online Banking will continue without interruption. If you need to make a change to a previously scheduled transfer, please call Customer Care at (800) 277-2175.

Beginning Tuesday, May 27, you will be able to set up and manage new internal transfers within SouthState Online and Mobile Banking.

Log in to SouthState Online or Mobile Banking.

• Select the Transfer & Pay tab.
• Click Internal Transfers.

The system will automatically make two additional attempts over consecutive days to complete the transaction.

Yes. Your existing external transfers will convert to SouthState Online Banking. The external transfer feature is called Bank to Bank External Transfers in SouthState Online and Mobile Banking.

Using this feature within SouthState Online or Mobile Banking, you can transfer funds from your SouthState account to your account at another financial institution.

• Enter your account number followed by the # sign when prompted.
• When asked for your Personal Identification Number (PIN), enter the last four digits of your Social Security Number.
• You will then be prompted to change and verify your 4-digit PIN.
• Follow the rest of the prompts to access your accounts.

• Click Preferences in the Top Navigation of Online Banking or via the Menu button in the Mobile App.
• Click Enroll in Text Banking
• On the Text Banking page:
  • Toggle Text Banking ON
  • Enter mobile number
  • Acknowledge the agreement by clicking the checkbox
  • Click the Save button at the bottom of the page.
• Click Account Preferences link in Success message box
• Click the account
• Click SMS/Text
• Toggle to ON
• Add a Display name by clicking the pencil

To use text banking, you can use any mobile phone with text capabilities, and text the following short codes to 89870 to receive information about your accounts:

• Available Text Commands – LIST
• Request Balance – BAL
• Request Transaction History - HIST + Account Nickname
• Transfer Funds - XFER + From Account Nickname + To Account Nickname + Amount
• Disable Text Banking - STOP (NOTE: This will also disable the ability to receive Alerts and Secure Access Codes via text.)
• Contact Us for Assistance - HELP

The SouthState short code for text banking is 89870.

First, we encourage you to perform a final transaction download before 4 p.m. CT | 3 p.m. MT on Friday, May 23.

When logging in to SouthState Online and Mobile Banking for the first time, you will need to update your Financial Institution to connect to SouthState for both Web Connect and Direct Connect. In order to do this, you will first have to disconnect your accounts from Independent Financial within Quicken/QuickBooks.

Follow these detailed instructions to complete this process.

If you are transitioning to SouthState Treasury Navigator®, and use Independent Financial Online Banking for access to Quicken or QuickBooks, we’re pleased to share SouthState Treasury Navigator® supports Direct Connect, Express Web Connect and Web Connect access to Quicken and QuickBooks. On Tuesday, May 27, you will need to update your financial institution by disconnecting from Independent Financial and connecting to SouthState-Treasury Navigator. Please contact Treasury Management Support to assist you with connecting for the first time.

No. Wire transfer requests must be completed online or in a branch.

SouthState Online and Mobile Banking offers the convenience of online wire transfers, both domestic and international for personal deposit accounts and domestic online wire transfers for business deposit accounts. Beginning, May 27, please call SouthState Customer Care or visit your branch to request this service, if you do not have it available.

The Wire Transfer cut-off times effective, Tuesday, May 27 are:

• Incoming – 5:30 p.m. CT | 4:30 p.m. MT
• Domestic Outgoing – 5 p.m. CT | 4 p.m. MT
• International Outgoing – 3 p.m. CT | 2 p.m. MT