Checking Options Perfectly Suited To Your Lifestyle

We offer a number of different checking accounts. Choose the one that best fits your needs.

Apply for a Checking Account Online Today

With several personal checking accounts to choose from, SouthState has options for everyone. We encourage you to learn more about the features, fees and interest rates of each account before opening. Compare all accounts here.

Most Popular

SouthState Checking

Free of monthly maintenance fees with eStatements.2

Earns Interest

Choice Checking

Earn interest and have convenient account access when you need it.


Gold Checking

A high value account with expanded benefits and premium interest.


Direct Checking

A basic account with a low monthly maintenance charge and no overdraft services or fees.2

Our Thank You

Community Hero Checking

A checking account for those making a difference in our communities. 2

Compare All Accounts

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All Our Checking Accounts Include:

  • No opening deposit required when opening account online
  • Online banking with BillPay
  • Mobile banking with mobile deposits
  • Free email and text alerts
  • Free eStatements
  • Free debit card and digital wallet options
  • Ability to send money through Zell
  • Unlimited check writing
  • No ATM transaction fees when using any SouthState ATM
Banner image for All Our Checking Accounts Include:
promo image for How to Use Your Contactless Card at a terminal

Secure Payments Made Easy

SouthState contactless credit and debit cards help you keep up with the speed of life.
  • Security - Your card number is never shared. Each time you make a contactless payment, a unique one time code is sent to the payment terminal.
  • Convenience - To pay, simply tap your card on the terminal wherever you see the contactless symbol. 
  • Speed -  Contactless means you don’t have to swipe or insert your card and wait. Tap your card, and you are good to go.
Questions About Opening Your Account Online?

Questions About Opening Your Account Online?

View All FAQs

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, 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 account through debit/credit card, an internal transfer using your existing SouthState account, or at a later time with Mobile Deposit, ATM deposits, or by visiting a branch.

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.

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

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Did You Know Your Employer Can Offer You Checking?

Along with a number of other benefits with SouthState at Work:
  • No fee checking
  • Savings on Closing Costs for Mortgage Loans
  • Free Health Savings Account (HSA)
  • Free Wealth Consultation

Round Up to Save®

Grow Your Savings Every Time You Spend

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Refer a Friend

Earn $25 Just For Referring a Friend

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Stories and Insights

  1. You can avoid the $5 Monthly Maintenance Charge if on the final day of your statement cycle you have signed up to receive electronic statements (“eStatements”). You must be enrolled in Online Banking to receive eStatements. If you do not sign up to receive eStatements, your Online Banking access is terminated, or you withdraw your consent to receive eStatements, your Account will be subject to the Maintenance Charge, which will be debited from your Account without further notice to you and will appear on your Account statement.
  2. Courtesy Overdraft Privilege is not available for Direct Checking which means we will decline or return transactions when you do not have enough money to cover item(s) presented or re-presented against your account. In the event your account becomes overdrawn, you will not be charged an Overdraft Paid Item Fee.

  3. Proof of employment or service may be required. Proof of employment or service may be shown by receipt of payment to your account (may include retirement benefits) from a branch of the Military, Healthcare Provider, Law Enforcement Agency, Rescue Service, School or a Non-profit (501(c)(3)) Organization to be eligible for this account type.

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