Holiday Hours

In observance of Veterans Day, SouthState locations will be closed on Wednesday, November 11. SouthState Customer Care will be open 8 a.m. - 5 p.m. ET. Transactions initiated or scheduled on a holiday are processed the next business day.

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Small Business ACH

Payment Processing for Your Business

Stay secure and save time associated with writing, mailing, processing and reconciling checks for individual and reoccurring payments.

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  5. ACH and Same-Day ACH for Small Business | SouthState Bank
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ACH Payments

Conduct business efficiently while limiting losses due to check fraud and data entry errors. ACH transfer is the solution that saves you the time and expense of writing, mailing, processing and reconciling checks. It is ideal for handling recurring disbursements such as payroll direct deposits, tax and business-to-business payments.
Get Started
A person in a striped apron writes on a document at a bar or restaurant counter.

Same-Day ACH

Same-Day ACH is designed for clients wanting more flexibility in the business. While it is not designed to replace traditional ACH transactions, it can be utilized for items such as last minute payroll changes and paying invoices on their due date.
Get Started

ACH Payments

Conduct business efficiently while limiting losses due to check fraud and data entry errors. ACH transfer is the solution that saves you the time and expense of writing, mailing, processing and reconciling checks. It is ideal for handling recurring disbursements such as payroll direct deposits, tax and business-to-business payments.
Get Started

Is Same-Day ACH Right for Your Business?

Same-Day ACH Benefits

Advantages To Your Business

Same Day Payroll

  • Pay hourly employees on last day of pay period
  • Pay bonuses and emergency payrolls
  • Keep payroll on schedule even with last-minute changes

Reduce Payment Costs

  • Eliminate the cost of checks (supplies, postage, etc.)

Shorter Processing Time for Invoices

  • Schedule invoice payments on due date
  • Pay late invoices quickly
  • Fast payments for emergency goods or services

Elevate Your Customer Experience

  • Offer same-day claims and reimbursements
  • Allow suppliers to receive payment faster
  • Provide same-day bill pay service

Same Day Payroll

Advantages To Your Business

  • Pay hourly employees on last day of pay period
  • Pay bonuses and emergency payrolls
  • Keep payroll on schedule even with last-minute changes

Reduce Payment Costs

Advantages To Your Business

Frequently Asked Questions

Learn More About Best Practices
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A bearded man wearing glasses laughs while talking on a smartphone and holding a pen at a desk.

Treasury Navigator®

Learn More

Get Started

Small Business Resources

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    • Same-Day ACH

    Same-Day ACH is designed for clients wanting more flexibility in the business. While it is not designed to replace traditional ACH transactions, it can be utilized for items such as last minute payroll changes and paying invoices on their due date.
    Get Started
  • Eliminate the cost of checks (supplies, postage, etc.)

    • Shorter Processing Time for Invoices

    Advantages To Your Business

    • Schedule invoice payments on due date
    • Pay late invoices quickly
    • Fast payments for emergency goods or services

    Elevate Your Customer Experience

    Advantages To Your Business

    • Offer same-day claims and reimbursements
    • Allow suppliers to receive payment faster
    • Provide same-day bill pay service

    Yes, there is a fee to originate same-day transactions. For detailed pricing contact a Treasury Management Sales Specialist.

    Requirements include:

    • Abide by Nacha Operating Rules & Guidelines.
    • Ensure that all same-day files submitted have an Effective Entry Date equal to or prior to the file submission date.
    • Submit the same-day file prior to the published same-day processing submission deadlines.

    Yes, you can send both same-day and next day ACH files/transactions for processing. You would use the Effective Entry Date to distinguish which batch of transactions is same-day and which is next day.

    For more information about Same Day ACH, refer to NACHA Rules, or contact a Treasury Management Sales Specialist.

    Small Business Checking

    Make Managing Your Money Simple

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    Give Us a Call

    (877) 840-8588
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    Contact a Banker

    Email Us

    Fees may apply. Contact your banker for details. Subject to credit approval.

    To make sure your cash flow is going exactly where it should be, we offer several services that keep you on top of your money and help you monitor any potentially fraudulent behavior.


    TREASURY NAVIGATOR1

    Treasury Navigator is a convenient and secure management tool that helps you manage your expenses. 
     

    POSITIVE PAY SERVICES

    We are always monitoring the checks authorized and issued by you to detect any fraudulent behavior.

    Small Business Resources

    Thumbnail for Counting Every Penny: Tracking Business Financials
    9/6/2023

    Counting Every Penny: Tracking Business Financials

    By SouthState

    Thumbnail for What is a Small Business Line of Credit?
    3/31/2023

    What is a Small Business Line of Credit?

    By Mary Schnabel

    Thumbnail for The Ins and Outs of Cash Flow Management
    4/10/2025

    The Ins and Outs of Cash Flow Management

    By SouthState

    Thumbnail for 5 Key Fraud Prevention & Protection Tips for Your Small Business
    9/7/2021

    5 Key Fraud Prevention & Protection Tips for Your Small Business

    By SouthState

    Thumbnail for Best Payment Method: ACH, Wires, or Instant Payments?
    6/10/2026

    Best Payment Method: ACH, Wires, or Instant Payments?

    By Tara Edmonds

    View All