SouthState overdraft fee
SouthState prints the paid-item dollar on its personal account fee schedule. The fee is $36. Direct Checking is the account that does not use it. The wider table is [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank).
Last updated: October 21, 2026
Last checked: Oct 2026
The $36 fee
Opened 21 October 2026. The dollar is from the SouthState personal account fee schedule, effective 1 September 2026. The overdraft paid item fee is $36.00. The schedule says an overdraft item may be created by check or draft, an in-person withdrawal, an ACH item, or other electronic means, and that checks are paid in numerical order on the day received.
The Courtesy Overdraft Privilege disclosure says eligible checking accounts are enrolled automatically. The bank may pay checks, ACH debits, represented items, in-person withdrawals, recurring debit card transactions, and certain other electronic transactions. ATM and everyday debit card transactions are not covered unless you opt in. The disclosure says you are assessed $36.00 each time an item is presented or represented and causes the account to be overdrawn.
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.
| Line | What the pages print |
|---|---|
| Overdraft paid item fee | $36.00 |
| Daily cap | Five combined paid item fees per day |
| Small overdraft | No fee if the account is not overdrawn by more than $10.00 |
| Direct Checking | No overdraft paid item fee. Items are declined or returned |
| Stop payment, branch or call center | $36.00 |
| Stop payment, online, phone, or Zelle | $26.00 |
How to avoid it
The disclosure says the account is not charged an overdraft paid item fee if it is not overdrawn by more than $10.00. The combined cap is five fees a day. A represented item can be charged again, because the fee applies each time an item is presented or represented and overdraws the account.
Direct Checking does not offer Courtesy Overdraft Privilege. The checking comparison says transactions are declined or returned when the money is not there, and an overdrawn Direct Checking account is not charged an overdraft paid item fee. You can also decline Courtesy Overdraft Privilege on an eligible account. The fee schedule says to ask a local branch if a line on the table is unclear. It does not print one customer service phone for this fee.
Questions
- How much is a SouthState overdraft fee?
- The personal fee schedule effective 1 September 2026 prints an overdraft paid item fee of $36.00.
- How many SouthState overdraft fees can post in one day?
- The Courtesy Overdraft Privilege disclosure caps combined overdraft paid item fees at five per day.
- Does every SouthState checking account charge $36?
- No. Direct Checking does not use Courtesy Overdraft Privilege, and the comparison page says that account is not charged an overdraft paid item fee.
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