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South State Banking locations and Customer Care will be closed on Monday, May 28 in observance of the Memorial Day holiday and will reopen on Tuesday, May 29.

Overdraft Line of Credit1

Ready Reserve

We understand there are times when 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.


  • For loan advances of $1,000 – $4,999
  • Fixed interest rate for 10 years
  • Can be easily accessed through online and mobile banking transfers, by phone or in-branch.
  • Required to be used as overdraft protection and required to be linked to a South State checking account.
  • Monthly repayment requirements: 5% of outstanding balance or $25, whichever is greater.

To apply for an Overdraft Line of Credit, or increase your current limit, simply contact your local South State banker.