SouthState account fees
SouthState prints five personal checking monthly charges on its compare page, and the service charges on a fee schedule marked effective 1 September 2026. Direct Checking is the account with no overdraft paid item fee. The overdraft-only page is SouthState overdraft fee. The wider table is US overdraft fees by bank.
Last updated: October 26, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 26 October 2026. The monthly dollars are on the compare checking page. SouthState Checking is $5, waived with eStatements. Choice Checking is $8. The same page prints three ways off that $8: 15 or more posted and cleared debit card purchases or payments, or $250 or more in combined direct deposits, or a $1,500 or more average daily balance. Gold Checking is $15. A footnote says that $15 is waived with a $5,000 minimum daily balance in the account, or $25,000 in other SouthState deposits and outstanding loans in the same relationship. Community Hero Checking is $0. Direct Checking is $5. Each account lists a $25 minimum to open, or no opening deposit when you open online.
The Direct Checking page says eStatements are free and a paper statement is $2 a month if you are not enrolled in eStatements on the last day of the cycle. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly charge | What the page also prints |
|---|---|---|
| SouthState Checking | $5 | No monthly charge with eStatements |
| Choice Checking | $8 | 15 card purchases, $250 in direct deposits, or a $1,500 average daily balance |
| Gold Checking | $15 | $5,000 in the account, or $25,000 combined |
| Community Hero Checking | $0 | For people in the jobs the page lists |
| Direct Checking | $5 | No overdraft paid item fee |
Overdraft, wires, and stop payment
The personal account fee schedule is marked effective 1 September 2026. The overdraft paid item fee is $36.00. Direct Checking is not eligible for that service. Its page says an overdrawn Direct Checking account is not charged an overdraft paid item fee, and items are declined or returned when the money is not there. The daily cap and the $10 small-overdraft rule are on SouthState overdraft fee.
A stop payment is $36.00 in a branch or through the call center, and $26.00 online, by phone banking, or in Zelle. A cashier's check for a customer is $10.00. A non-SouthState ATM is $3.00. Closing the account within 90 days is $25.00.
Wires on that schedule: incoming $15.00, domestic outgoing $30.00, international outgoing $50.00, domestic online outgoing $25.00, and international online outgoing $40.00. The monthly list is US monthly checking fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is a SouthState monthly fee?
- The compare page prints $5 for SouthState Checking, waived with eStatements, $8 for Choice, $15 for Gold, $0 for Community Hero, and $5 for Direct.
- Does Direct Checking charge an overdraft fee?
- No. Direct Checking is not eligible for Courtesy Overdraft Privilege. The page says you are not charged an overdraft paid item fee if that account is overdrawn. Other checking accounts use the $36 fee on the 1 September 2026 schedule.
- How much is a SouthState domestic wire?
- The 1 September 2026 schedule prints $15 incoming and $30 outgoing. An online domestic outgoing wire is $25.