Direct Checking

Straightforward Banking When You Need It

Keep your account simple with no overdraft services or fees2.

promo image for couple looking at online banking on a laptop

Keep It Easy and Simple

Managing your daily finances can get complicated. With Direct Checking, you get straight to what matters most in a checking account. With no overdraft services or fees2, it’s not complicated, it’s just simple, and direct.
Direct Checking Features

Direct Checking Features

Icon for Direct Checking Features
Icon for Direct Checking Features
  • $5 Monthly Maintenance Charge
  • Not eligible for Courtesy Overdraft Privilege2
  • Online Banking with Bill Pay3 
  • Mobile Banking with Mobile Deposits
  • Free eStatements (Otherwise $2 monthly paper statement fee applies)2
  • Debit card
  • No ATM transaction fees when using any SouthState ATM
  • 24/7 ATM Debit Card Fraud Monitoring
Get Started

Get Started


Icon for Give Us a Call

Give Us a Call

(800) 277-2175
Icon for Contact a Banker

Contact a Banker

Email Us
Icon for Come In and Speak to Us in Person

Come In and Speak to Us in Person

Find a Branch

  1. You can avoid the monthly Paper Statement Fee if on the final day of your statement cycle you are enrolled in electronic statements ("eStatements"). You must be enrolled in Online and Mobile Banking to receive eStatements. If you are not enrolled in eStatements, your Online and Mobile Banking access is terminated, or you withdraw your consent to receive eStatements, your Account will be subject to the Paper Statement Fee, 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 in your account to cover the presented item(s). If in the event your account does becomes overdrawn, you will not be assessed an Overdraft Paid Item Fee.
  3. Internet service provider fees may apply. You must be age 18 or older to access Bill Pay.

Secure Log In

Close mobile menu
Login Error

Your username is valid but has a problem. Please call customer support

Our website uses cookies to ensure your online experience is as informative and relevant as possible. Please review our Privacy Policy to learn more about the information we collect.