We understand there are times that your checking account may accidentally be out of balance.
Maybe you made a mistake balancing your checkbook, or you had to make a payment before funds were available. Whatever the reason, we’ve got you covered. We have several overdraft protection options available:
Automated Overdraft Privilege (AOP)1
AOP is available for all personal checking accounts. Instead of returning account items when sufficient funds are not available, we will pay those items for you2. You can opt-in here to begin using this service.
We also offer an overdraft protection plan called Ready Reserve which is a credit-based product and may be less expensive than our standard overdraft practices. This plan may incur interest charges, but not an overdraft fee.
Money Market Sweep
We also offer Money Market Sweep3 as another “oops proof” way to stay on top of your money and keep from overdrawing your account. With a Money Market Sweep, you earn interest on your savings, plus you have the benefit of up to six automatic transfers per month to your South State checking account, protecting your from overdrafts.
For additional questions about overdraft protection, click here.