Skip to Main Content

Listed below are frequently asked questions about Overdraft Protection.  If you don’t see your answer here, call our Customer Care Center at 1-800-277-2175.  We’re happy to help answer all of your questions.

Overdraft Protection

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • Everyday debit card purchases and ATM withdrawals

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What types of overdraft protection does South State offer?

We have standard overdraft practices that come with your account called Automated Overdraft Privilege (AOP)1.

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.


1. Certain requirements must be met.

What fees will I be charged if South State pays my overdraft?

Under our standard overdraft practices for personal checking accounts:

  • If all of your daily transactions overdraft your account $5 or less, we will not charge an overdraft fee.
  • If all of your daily transactions overdraft your account for more than $5, we will charge you a fee of $36 for each item we pay into overdraft.
  • We will limit the number of overdraft fees to 6 items per day.
  • Items that overdraw your account more than $500 will be returned unpaid and you will be charged $36 Non-Sufficient Funds Fee.
  • PLEASE NOTE: Using AOP frequently can cause substantial fees. Please use responsibly.

Learn More About South State Bank

Since 1934, we’ve remained true to our values of relationship banking and commitment to our customers. We’re proud to have grown from serving the needs of one small community to helping businesses and individuals throughout the region. We value personal relationships over financial transactions and are actively involved in the communities we serve. Most importantly, we treat our customers and employees like family. That’s the South State Way.

Learn More