Independent Financial Treasury Conversion

Independent Financial’s transition to the SouthState name and systems will begin on Friday, May 23. Effective Saturday, May 24, the name and features of your Independent Financial account(s) may change. We encourage you to reference the Account Information & Details Booklet previously mailed to you.

Your account number(s) will not change unless notified otherwise. If your account number changes, you will receive notification in advance.

Depending on the type of account you have, there may be changes to the account name and the account features. We encourage you to review the Account Information & Details Booklet for details regarding any changes to your account. If you do not see your account listed, you may receive a separate communication regarding your account.

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

Yes, you will be able to access your loan in Treasury Navigator®. (Note: SBA 7a, PPP and USDA loans can only be viewed through SouthState Online Banking. Borrowers for these types of loans can enroll at SouthStateBank.com/Enrollment.)

You can make an internal transfer from your deposit account to your loan to make a regular or principal only payment. Treasury Navigator® also allows users to make interest-only payments. Internal transfer capabilities are not available for SBA 7a, PPP or USDA loans viewable in SouthState Online and Mobile Banking.

Loan statements, with the exception of SBA 7(a), PPP, and USDA loans, will be accessible through Treasury Navigator®. Email notifications are not when new statements become available.

Should there be any changes to your loan, you will receive direct communication. If your loan has a variable interest rate, refer to billing notices and statements (where applicable) for any rate changes.

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 29423-9910

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

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.

Yes. Existing Independent Financial stop payments will convert to SouthState with the current expiration date on file and remain active for six (6) months, but they will NOT be visible in Treasury Navigator®.

Customers with Treasury Services through Independent Financial Business Online Banking will transition to Treasury Navigator® on Tuesday, May 27, after conversion weekend, May 23-26.

To continue your selected services and to ensure you and/or any authorized users are able to access your accounts using Treasury Navigator®, once we convert Independent Financial’s systems to SouthState, 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.

Business customers with Treasury Services through Business Online Banking, who are transitioning to either Treasury Navigator® for Commercial or Treasury Navigator® for Business, will receive an email invitation to preview Treasury Navigator®. During the Preview Period, customers who are transitioning to Treasury Navigator® for Commercial, will receive a Treasury Navigator® Activation Key that will allow them to complete their Treasury Navigator® enrollment and establish login credentials.

Please direct any questions to Treasury Support at (833) 635-9291 or your local Treasury Sales Officer to assist you with your business account.

If you will be sending or receiving files using the Secure File Transfer Protocol (SFTP), please refer to the email sent to you with important details or reference the SouthState BAI2 Format, SouthState X9 Client Summary, or ACH Spec Sheet for File Upload guides.

On Tuesday, May 27, you will have access to your accounts and services through Treasury Navigator®.

You can download the Treasury Navigator® Mobile App which is available in the App Store®³ or Google Play™⁴.

Independent Financial Business Online Banking will be disabled at 7 p.m. CT | 6 p.m. MT on Friday, May 23. This means that you will not be able to submit any transactions or review historical information.

Yes. If you are a Business Online Banking user for Treasury services, we encourage you to download the Treasury Navigator® Secure Browser now in advance of the Independent Financial bank operating system conversion to SouthState which will occur during conversion weekend (May 23-26).

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

If you haven’t already, please log in to SouthState Treasury Navigator®, which will be available for a view-only access during the Preview Period (May 5-23), where you can create a non-expiring password, known as a PIN and receive your Secure Browser Activation Key that is needed to conduct business in Treasury Navigator® for Commercial on May 27.

Yes. In June, you will be able to begin viewing past statements in Treasury Navigator®. We will load the 2025 statements over a 90-day period after the transition. We encourage you to download and save your current statement history before the system conversion begins on Friday, May 23. No transaction history prior to May 27, nor the associated paid check images, will be migrated to Treasury Navigator®.

The BAI2 file process is being updated to streamline reporting and reconciliations. If you will be sending or receiving files using the Secure File Transfer Protocol (SFTP), please refer to the email sent to you with important details or reference the SouthState BAI2 Format, SouthState X9 Client Summary, or ACH Spec Sheet for File Upload guides.

You may continue to submit ACH payments through Independent Financial Online banking through Friday, May 23; however, credit batches with an effective date after Wednesday, May 28, will not be processed. Debit batches with an effective date after Tuesday, May 27, will not be processed.

Starting Tuesday, May 27, ACH batches and files can be originated and approved through Treasury Navigator® and the Mobile App with a cutoff time of 6:45 p.m. CT | 5:45 p.m. MT.

For customers who are able to submit Same Day ACH files, the deadline for Same Day ACH processing through Treasury Navigator® is 12:30 p.m. CT | 11:30 a.m. MT.

ACH payment history will not convert to Treasury Navigator®. We encourage you to download and save your payment history prior to May 23. Beginning May 27, up to 18 months of payment history will begin to accumulate in Treasury Navigator®.

Existing ACH limits and templates will convert; however, recurring ACH batches will NOT convert and must be re-established in Treasury Navigator® on Tuesday, May 27.

Treasury Navigator® for Commercial supports Nacha, EDI 820, ISO, CSV, XML and fixed-width text. Treasury Navigator® for Business users will need to manually key ACH batches.

Future-dated transactions can be scheduled and submitted in Treasury Navigator® up to 30 calendar days in advance.

When there are Returns/NOCs that need to be reviewed, Treasury Navigator® for Commercial users will receive two reports — Nacha Notification of Change and Nacha Return. Treasury Navigator® for Business users will receive a single report titled ACH Return Item Notice/NOC Notice. An email will be sent notifying you to log into Treasury Navigator® to access the report(s) and view the items.

ACH credits submitted through Treasury Navigator® will have a default lead time of two business days for the effective date. To send credits with a lead time of one business day, be sure to change the default effective date and submit your ACH activity one business day prior to the effective date.

For standard ACH services (not Same Day ACH), future-dated credits will be extracted from Treasury Navigator® and sent to the Federal Reserve Bank two business days prior to the effective date, or on the date of submission. Future-dated debits will be extracted and sent to the Federal Reserve Bank one business day prior to the effective date.

Wire transfer requests must be completed online or in a branch and cannot be accepted by phone or email. Beginning Tuesday, May 27, wire transfers can be originated through Treasury Navigator®. Existing wire transfer limits and templates will convert to Treasury Navigator®. Future dated wire transfers will not convert and must be entered again.

No. It will not convert. Please be sure to download and save your payment history before May 23. Beginning May 27, up to 18 months of payment history will accumulate in Treasury Navigator®.

Yes. The new business Wire Transfer cut-off times effective Tuesday, May 27, 2025:

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

Email notification details are sent to users when an outgoing wire status changes and as wire cutoff times approach. Wire Notifications are also sent through Treasury Navigator® for Commercial as Wire Alerts. A Wire Details Report providing a cumulative overview of all incoming and outgoing wires for the current day is available.

Instructions for existing incoming wire transfers should continue without interruption. Beginning Tuesday, May 27, be sure to include the SouthState ABA/routing number in your incoming wire transfer instructions for net-new wire transfers: 063114030.

No. Wire transfer requests must be completed online or in a branch and cannot be accepted by phone or email.

Yes. Real-time FX wire capability is available through Treasury Navigator® for Commercial. Please reference the British Pounds Sterling, Euros, and Canadian Dollars guides.

ACH and Check Positive Pay exception notifications are distributed by 7 a.m. CT | 6 a.m. MT followed by a reminder notification at 10 a.m. CT | 9 a.m. MT for ACH Positive Pay and 1 p.m. CT | 12 p.m. MT for Check Positive Pay. You will only receive a notification if you have outstanding exception items requiring a decision. Positive Pay will be accessible through Treasury Navigator® for Commercial via the Control & Recon tab beginning Tuesday, May 27, 2025.

The deadline for both ACH and Check Positive Pay decisions is 3:30 p.m. CT | 2:30 p.m. MT.

The deadline to upload a Check Positive Pay issue file for same day processing will be extended to 10:55 p.m. CT | 9:55 p.m. MT. ACH and Check Positive Pay exception decisions are retained in Treasury Navigator® for up to 18 months. Decision history will begin building on Tuesday, May 27.

ACH Positive Pay decisions not made by the deadline will be returned, which is the Treasury Navigator® default. Check Positive Pay decisions not made by the deadline will be paid or returned based on your preferred default payment disposition.

Payee names on Positive Pay issue files cannot exceed 40 characters. Files uploaded with Payee names more than 40 characters will fail.

Positive Pay files must be submitted in one of the following formats: CSV, fixed-width text or XML.

Mobile deposit limits will convert to Treasury Navigator® for Business during system conversion and can be accessed on Tuesday, May 27. Existing RDC and mobile deposit limits will convert to Treasury Navigator® for Commercial during system conversion and can be accessed on Tuesday, May 27.

Yes. Beginning Tuesday, May 27, checks can be deposited using the Treasury Navigator® Mobile App.

Generally, both RDC and mobile deposits received and accepted prior to 8 p.m. CT | 9 p.m. MT are processed on the business day of receipt and acceptance. Please contact Treasury Management Support for assistance if you exceed your limit.

RDC deposits will post periodically throughout the day. Deposits made via Image Cash Letter (ICL) or the Treasury Navigator® Mobile app are posted to your account at the end of the day.

Yes. Your Bill Pay payees and payments will transfer to BillPay through Treasury Navigator®, including recurring payments. Please be aware not all electronic bills (eBills) will convert.

Any payments you have scheduled during the transition weekend 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 May 23.