Overdraft Protection Options

We realize that inadvertent overdrafts happen from time to time, which is why we offer several overdraft protection options.

Carefully Monitoring Your Account is One of the Best Ways to Avoid an Overdraft

Carefully Monitoring Your Account is One of the Best Ways to Avoid an Overdraft

In addition to the Bank’s Courtesy Overdraft Privilege (COP) service, Overdraft Protection options are available when there are insufficient funds in your checking account to cover an item. 
 
These Overdraft Protection options may be more affordable and a better fit for your banking needs. Contact a banker today to learn more about these options. Please also refer to Money Management Tips below for information related to avoiding an overdraft.   

1. Online Banking1

Online Banking allows you to check your balances and make transfers from one account to another anywhere you have Internet access. Viewing your account balances and transaction history in Online Banking allows you to see pending transactions as well as transactions that have cleared your account, which can help you prevent an overdraft.

2. Mobile Banking2

Mobile Banking is a convenient and secure way to manage your accounts. Instantly access real-time account balances with Instant Balance. Monitor account activity by viewing your recent transaction history, including pending transactions, and deposit checks anytime, anywhere using Mobile Deposits. You can transfer funds between your SouthState accounts in Mobile Banking, which can be helpful if one account is low on funds.

You must be enrolled in Online Banking to use our Mobile Banking services. To enroll in Mobile Banking, you may download our app from iTunes or Google Play stores.

3. Phone Banking

Phone banking allows you to check your account balance, transfer funds between SouthState accounts and review transactions.

To access Phone Banking, call (800) 763-0555. When accessing Phone Banking for the first time, your Personal Identification Number (PIN) will be the last four digits of your Social Security Number.

4. Text Banking2

You don’t need a smart phone to access great features with Mobile Banking. Text Banking offers an on-the-go resource for monitoring your accounts. Text banking allows you to view account balances and recent transaction history from your mobile phone.

You must be enrolled in Online Banking to use our text banking services.

5. Branch or ATM

You can obtain your account balance at any SouthState branch or ATM. You can also deposit funds into your checking and savings account(s) at any SouthState branch and select ATMs. 

6. Alerts2

Alerts is a feature that allows you to easily monitor your account(s). Low Balance alerts and Daily Checking Account Balance alerts help you manage your money more closely and avoid overdrawing your account. Based on your preference, you’ll be notified via text, email or within Online Banking about activities and reminders for your checking and savings accounts.

Courtesy Overdraft Privilege

Eligible checking accounts are automatically enrolled in the Bank’s Courtesy Overdraft Privilege (COP) service. Unless you choose to decline this service, the Bank may, at our sole discretion, pay eligible transactions that will overdraw your account when your account meets certain criteria.  
 
Unless you authorize us to do so, COP does not cover ATM and one-time debit card transactions. If you want the Bank to authorize and pay overdrafts on ATM and one-time debit card transactions, you may: If a transaction item is covered by COP, you will be assessed a $36 Overdraft Paid Item Fee.  If the Bank does not cover the item when your account has insufficient funds, you will be assessed a $36 NSF Returned Item Fee.  We limit the combined number of Overdraft Paid Item Fees and NSF Returned Item Fees to six (6) items per day.
 
Please review the Courtesy Overdraft Privilege Personal Account Disclosure for important additional information, including account eligibility criteria, eligible transactions, and declining COP service.  
 
There are alternatives to COP, which may be more affordable, including lines of credit (subject to credit approval) and overdraft sweep arrangements.

Lines of Credit

Overdraft Line of Credit3 :
An overdraft line of credit is an unsecured line of credit, with a limit of $1,000 – $4,999, for the purpose of overdraft protection for any South State personal checking account. It’s like giving yourself a loan when you need it most.

How It Works:
Once your checking account balance is below $0, the bank will transfer funds from your line of credit, in increments of $100.00 up to the available amount of the line of credit, to pay the overdraft amount. To apply for an Overdraft Line of Credit, or increase your current limit, simply contact your local South State Banker.

Simply by writing a check from a deposit account or using your debit card, you can advance funds from your line of credit to cover unexpected expenses.

Personal Line of Credit4 :
A personal line of credit is a revolving line of credit from $5,000 – $50,000, which allows you the flexibility and convenience to fund emergency needs. If you overdraw your account, the bank will transfer funds from your line of credit, in increments of $100.00 up to the available amount of the line of credit, to pay the overdraft amount.

How It Works:
You can easily access your personal line of credit through checks, Online and Mobile Banking transfers, by phone or in-branch. 

Overdraft Sweep

Overdraft Sweep* allows you to link your checking account with another one of your South State Checking, Savings or Money Market accounts.

How It Works:
If you overdraw your checking account, we will transfer or “sweep” funds from your linked account to cover the overdraft. The bank will transfer funds from your linked account to pay the overdraft amount up to the amount of funds in the linked account. This provides a low-cost solution for the peace of mind that you are protected.

*Overdraft sweep fee applies. See a banker for details.

Courtesy Overdraft Privilege

Eligible checking accounts are automatically enrolled in the Bank’s Courtesy Overdraft Privilege (COP) service. Unless you choose to decline this service, the Bank may, at our sole discretion, pay eligible transactions that will overdraw your account when your account meets certain criteria.  
 
Unless you authorize us to do so, COP does not cover ATM and one-time debit card transactions. If you want the Bank to authorize and pay overdrafts on ATM and one-time debit card transactions, you may: If a transaction item is covered by COP, you will be assessed a $36 Overdraft Paid Item Fee.  If the Bank does not cover the item when your account has insufficient funds, you will be assessed a $36 NSF Returned Item Fee.  We limit the combined number of Overdraft Paid Item Fees and NSF Returned Item Fees to six (6) items per day.
 
Please review the Courtesy Overdraft Privilege Personal Account Disclosure for important additional information, including account eligibility criteria, eligible transactions, and declining COP service.  
 
There are alternatives to COP, which may be more affordable, including lines of credit (subject to credit approval) and overdraft sweep arrangements.

Lines of Credit

Overdraft Line of Credit3 :
An overdraft line of credit is an unsecured line of credit, with a limit of $1,000 – $4,999, for the purpose of overdraft protection for any South State personal checking account. It’s like giving yourself a loan when you need it most.

How It Works:
Once your checking account balance is below $0, the bank will transfer funds from your line of credit, in increments of $100.00 up to the available amount of the line of credit, to pay the overdraft amount. To apply for an Overdraft Line of Credit, or increase your current limit, simply contact your local South State Banker.

Simply by writing a check from a deposit account or using your debit card, you can advance funds from your line of credit to cover unexpected expenses.

Personal Line of Credit4 :
A personal line of credit is a revolving line of credit from $5,000 – $50,000, which allows you the flexibility and convenience to fund emergency needs. If you overdraw your account, the bank will transfer funds from your line of credit, in increments of $100.00 up to the available amount of the line of credit, to pay the overdraft amount.

How It Works:
You can easily access your personal line of credit through checks, Online and Mobile Banking transfers, by phone or in-branch. 

Overdraft Sweep

Overdraft Sweep* allows you to link your checking account with another one of your South State Checking, Savings or Money Market accounts.

How It Works:
If you overdraw your checking account, we will transfer or “sweep” funds from your linked account to cover the overdraft. The bank will transfer funds from your linked account to pay the overdraft amount up to the amount of funds in the linked account. This provides a low-cost solution for the peace of mind that you are protected.

*Overdraft sweep fee applies. See a banker for details.


  1. Internet service provider fees may apply. 
  2. Internet service provider and/or message data rates may apply.
  3. Subject to credit approval. A $5 maintenance fee will be charged at the end of each quarter. (Maintenance fee does not apply to customers who were NC residents at loan origination.) Automatic payments required.
  4. Subject to credit approval. A $25 annual fee applies. (Annual fee does not apply to customers who were NC residents at loan origination.)

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