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When you open a SouthState Checking account ("Account"), 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. Other checking account product types are available and may be subject to a Monthly Maintenance Charge.

You can avoid the $15 monthly maintenance charge when you meet one of the following qualifiers: Maintain a minimum daily balance of $5,000 in your Account per monthly statement cycle OR maintain a combined minimum daily balance of $25,000 or more in other SouthState deposit accounts (Checking, Savings, CD, IRA) and outstanding loan balances with SouthState for this Account’s monthly statement cycle. Qualifying accounts must be part of the same relationship portfolio as this Account.

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.

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.

Direct deposits may include incoming transfers from a non SouthState Bank account (ACH) or payroll. Excludes wire transfers.

Apple Pay is a registered trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

SouthState Wealth represents the collective departments and subsidiaries of SouthState Bank, N.A. that provide wealth management services. Products and services are not bank deposits, nor are they insured by the FDIC or any Federal Government Agency, and are not backed or guaranteed by SouthState Bank, N.A. or its affiliates. Securities involve investment risks, including possible loss of principal.

We will credit your Account the Foreign ATM Fees incurred as set forth in our Personal Account Fee Schedule, for up to 5 ATM transactions conducted at any non-SouthState Bank ATM, per monthly statement cycle. You will still be responsible for any fees charged by the ATM provider ("Foreign ATM Surcharge Fee").

We will credit your Account the Foreign ATM Fees incurred as set forth in our Personal Account Fee Schedule, for up to 3 ATM transactions conducted at any non-SouthState Bank ATM, per monthly statement cycle. You will still be responsible for any fees charged by the ATM provider ("Foreign ATM Surcharge Fee").

Subject to credit approval, you may receive a $250 reduction on traditional mortgage closing costs for any first mortgage on which the account holder is a borrower.