General Banking Frequently Asked Questions

General Banking FAQs

What identification do I need to open an account?

You will need a primary and secondary form of identification (ID). Examples of a primary ID are a State Issued Driver’s License, State Issued ID, USA or Foreign Passport or Military ID. Secondary forms of ID include a Voters Registration card, College or Student ID, Auto Registration/Insurance Card, Insurance or Utility bill (with current address and dated within the last 30 days), Property Tax bill, or Pay Stub (issued within the last 30 days).

What is the routing number for South State?

The SouthState Bank routing number is 053200983.

What are SouthState Bank’s wire instructions?

Cut Off Times:
Incoming – 5:00PM ET
Domestic Outgoing – 4:00PM ET
International Outgoing – 3:30PM ET

Incoming Domestic Wire Transfer
SouthState Bank
2440 Mall Dr.
North Charleston, SC 29406
ABA or Routing # 053200983

Incoming International Wire Transfers
SouthState Bank
520 Gervais St.
Columbia, SC 29201

Swift Code: SSBAUS6S


BENEFICIARY ACCOUNT #: Customer Account Number


Please contact the SouthState Bank Wire Department at 866-229-5935 for further assistance.

How do I set up direct deposit?

Sign Up for Direct Deposit

Signing up is easy:

  1. Download our Direct Deposit Information Form.
  2. Fill in all of your information. You will need to provide the type of account (checking or savings), your account number and routing number.
  3. Ask your employer if they participate in direct deposit. Your employer might require more paperwork on their end and maybe a voided check to process your request.


If I’m traveling can I still use my debit card?

Yes. It is a best practice to notify us at least 48 hours prior to traveling so that we can ensure that your card does not get blocked.

Please call us at (800) 277-2175 or login to Online Banking and send us a secure message with your card number, travel dates and the location you are traveling to ahead of time.

How do I activate my debit card?

To activate your debit card, please follow the instructions below:

  • To activate your card, please call 1-866-985-2273.
  • Continue to follow the voice prompts to set your Personal Identification Number (PIN).
  • After setting your PIN, you can begin using your debit card.
  • You may also call this number if you ever want to reset your PIN to a new number.

Are there any countries where I can’t use my debit card?

Yes. To protect our customers, we have blocked some countries that have experienced high fraudulent activity. For a complete list of these countries, please call us at 1-800-277-2175 or visit a local branch.

What do I do if I’ve lost or someone has stolen my debit card?

Call us at 1-800-277-2175 to report the card lost or stolen and to order a replacement card. For after-hours support, call 1-800-523-4175.

What is the cut off time for transfers made within Online Banking to be effective the same day?

Transfers initiated Monday thru Friday by 8:30 PM EST will be effective the same day. Any transfer initiated after 8:30PM EST will be effective the next business day.

How can I send a secure message?

Within Online Banking, click Mail then Compose to begin your Secure Message. If you have an unread message in your inbox, you will see a number icon beside the Mail tab.

What are the different transfer options available to me?

You can transfer money with Bank to Bank Transfers and Wire Transfers.

  • Bank to Bank Transfers allow you transfer funds to and from your account at another financial institution.
  • A Wire Transfer allows you to send funds electronically to another person inside or outside of the U.S. You must have the following information to send a wire transfer: Name and address of the person receiving the funds, their bank and bank address, and their account number and routing number.


How can I make my loan payments?

You can make your loan payments in a variety of ways:

  • You can choose to have your payment drafted from your checking/savings account with SouthState or another financial institution.
  • You can mail your payment to South State:

SouthState Bank
PO Box 118068
Charleston, SC 29423-8068

  • If you have a checking or savings account with SouthState, you may pay your bill by:
    • 1. Making an internal transfer from an existing SouthState checking or savings account.
    • 2. Adding the loan to your SouthState BillPay. You may be required to provide the full mailing address shown above and our phone number, (800) 277-2175.

If you have SouthState Online Banking, you can also use Bank to Bank External Transfers to make a transfer from your non-SouthState account to your loan to make a payment.

We're Here to Help

We're Here to Help

Icon for Give Us a Call

Give Us a Call

(800) 277-2175
Icon for Email Us Your Questions

Email Us Your Questions

Email Us

Secure Log In

Close mobile menu
Login Error

Your username is valid but has a problem. Please call customer support

Our website uses cookies to ensure your online experience is as informative and relevant as possible. Please review our Privacy Policy to learn more about the information we collect.