The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping their customers move forward. Since their beginnings in the 1930s to becoming a trusted financial partner across the South and beyond — they are known for combining personal relationships with forward-thinking solutions.
As they grow, their experienced... show more
South State Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 11/22/2025.
3.1
525 reviews
from WalletHub and across the web
525 reviews from WalletHub and across the web
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South State Bank
debcurtishoover @debcurtishoover
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1 Star Rating
We wanted to pay off our HELOC. We owed around $83K. We tried to call and get a payoff quote but only got voicemails and no return calls. The app wasn't very helpful. So, we decided to pay what the website said we owed with a wire transfer, figuring there would be a small balance. Once the wire cleared, we had a balance of $39, which we paid immediately. The website then showed that we had a zero balance. A month later, we received a phone call saying that we had a past due amount of $684 plus a late fee, which affects our credit rating. Do not do business with SouthState. The branch offices are helpful, but other customer services and business practices are subpar.
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Product: South State Bank Mortgages
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South State Bank @SouthStateBank1
Thank you for reaching out. We are happy to try and resolve this issue. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
knw357 @knw357
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1 Star Rating
I am in the process of transferring all three of my accounts from South State, as their service has declined since they transitioned from Georgia Bank & Trust to South State. They have become undependable, unreliable, and unprofessional. You cannot deposit a third-party check there because if the third-party person does not have an account at South State, they will not accept it. My Wells Fargo Bank accepted it immediately. I am moving all three accounts to Wells Fargo.
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Product: South State Bank Checking
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South State Bank @SouthStateBank1
Thank you for reaching out. We are happy to try and resolve this issue. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
Jim Sullo @jsullo
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3 Star Rating
So, I have a mortgage with the bank and for some reason, I can't use the website to check the principal balance, or anything related to the loan. The website balks and says, 'Your account number is too short.' The bank should have a better handle on their technology.
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Product: South State Bank Mortgages
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South State Bank @SouthStateBank1
Hi Jim! Please make sure to select Mortgage under Login. If you click Online Banking, more options will appear. Email [email protected] if you have more issues.
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South State Bank
andyje177 @andyje177
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1 Star Rating
I give them a 1-star rating and would opt for 0 if possible because we were switched from Independent Bank to SouthState last month. The average call time on hold is 1-2 hours. 90% of the time, while on hold, you're hung up on. They seem to have no idea how to help you 100% of the time. It appears they were not trained or prepared for the changeover. Wire transfers at Independent Bank normally took 15 minutes to receive; at SouthState, it takes 3 business days. So, if you initiate a wire transfer on a Thursday, it will take 5 days to complete a bank-to-bank wire transfer. I am in the process of closing my account. Please, everyone, be aware!
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Product: South State Bank Business Services
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South State Bank @SouthStateBank1
We understand your frustration with the conversion process. If you'd like speak to a supervising banker about your wire transfer, please email [email protected].
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South State Bank
crystsl sanchez @crismarie112
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1 Star Rating
The worst bank that I have ever banked with. The Katy, TX location has committed bank fraud completely. My money went into their pockets. The employees are unethical, unprofessional, combative, and corrupt. Nothing is being done fast enough with my major issue of known bank fraud at this location. Brandon, the branch manager, committed complete fraud, and I'm disgusted with how this has been handled. I will not tolerate being taken advantage of.
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South State Bank @SouthStateBank1
Thank you for reaching out. We are happy to try and resolve this issue. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
RevSteven Chugg @chuggmeister
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1 Star Rating
The specifics of my issue would take too much time to type out, and I've already spent too much time trying to resolve a simple problem. I am an elderly man, 70 years old, and on a fixed income. I reviewed my account online and, much to my surprise, I saw that I had three separate thirty-six dollar charges for returned checks. I don't even write checks, so these were online payments that were questioned. One of the online payments was for $150. It was supposed to be $15 only; that was my mistake, but within seconds I immediately canceled the incorrect $150. Despite this quick action, my account went negative, and South State Bank instantly charged me $36 during those few seconds. This is hard to believe! The negative balance cascaded into $108 in charges. It actually gets even crazier, but I'll leave it at that, except to say you can't imagine how much of a hardship losing $108 is to an old man on Social Security. Food and medicine become harder to secure as South State Bank takes my money without any human understanding or compassion for my specific situation.
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South State Bank @SouthStateBank1
Thank you for reaching out with your concerns about the charges on your account. We would appreciate the chance to try and resolve this. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
Bud Jones @Freddy11
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1 Star Rating
Nice dealing with the lower level staff but the higher you go, the greater the incompetence. Simple things like asking for a loan payoff amount, getting the number, paying it, then getting an ominous call several weeks later about a "very important matter that needs to be resolved.' Call that number back immediately and never hear from the "bill collector." Collecting what? The 2 dollars and change left on the loan balance because they don't know what a loan payoff amount is. So we send the payoff amount they quote which is incorrect and a balance is left that you don't know about. Wouldn't be surprised if they report stuff like that to credit rating agencies. Paying off loans/lines of credit is always a 2 stage process. Could write a book about multiple other screw ups but let's just close with their online banking. Just tried to log in and was blocked until I signed off on their online banking user agreement. Copying and pasting into Word reveals it is 23,443 words long - about the same word count as the agreement before it. Not just words mind you, but words that I need to hire an attorney to parse. I'm guessing a serious review and follow up disputes about onerous conditions within that document would cost $10K or more. Seriously? You just have to hit the "Agree" button or not bank online. They make you feel like you're on a team with them. Team Dysfunction.
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South State Bank @SouthStateBank1
We are happy to try and resolve this payment issue or any others you're having. If you'd like to have a member of our team contact you directly, please email [email protected].
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South State Bank
Bs @bsj002299
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1 Star Rating
Circle K Stores Current Status: Completed Submitted Date: 2025-03-28 Switching To: Choice Checking - XXXXX Checking This may take a few pay cycles to reflect on your account.
When I requested a more definitive time frame, I was told they could not find my money. They made it seem as though they could not locate me in the last statement. I am beginning to regret ever opening an account with SouthState Bank.
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South State Bank @SouthStateBank1
Thank you for reaching out. We are happy to try and resolve this payment issue. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
jonathancoley027 @jonathancoley027
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1 Star Rating
This bank is terrible; they sent my IRS refund back because it apparently went into a savings account, but they never called me. They are difficult people to deal with.
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South State Bank @SouthStateBank1
Thank you for reaching out, Jonathan. We would appreciate the chance to try and resolve this issue. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
Simon Spiers @spierssn
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1 Star Rating
Dealing with this bank is like dealing with a bank in the 70s when they did you a favor by holding your accounts. Everything with SouthState was difficult or not possible, from just talking to customer service to opening a HELOC. The HELOC I opened had hidden terms not as described by my assigned personal banker. I had to close it and demand my money back. It's been a long time since I felt I needed to read the fine print. I am a retired businessman who knows his way around banking services, and this bank does not have what it takes.
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South State Bank @SouthStateBank1
Thank you for reaching out with your concerns. We would appreciate the chance to try and resolve this HELOC issue. If you'd like to have a banker call you directly, please email [email protected].
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South State Bank
Terry To @terrytoney72
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1 Star Rating
I am writing to express my extreme dissatisfaction with South State Bank as a whole and, specifically, the customer service I received from an employee named Shirley (Employee #100109151). My experience was not only frustrating but also entirely unprofessional, leaving me questioning the bank's commitment to serving its customers.
The issue began when I contacted South State Bank to resolve a serious matter: I never received the check I was supposed to receive after my account was closed. This is a financial concern that deserves urgency and professionalism, yet my interaction with Shirley was the opposite. From the beginning, she displayed an unhelpful and dismissive attitude, repeatedly cutting me off when I tried to explain my situation.
Instead of listening carefully and working toward a solution, Shirley argued with me throughout the conversation. Her tone was condescending and sarcastic, making an already stressful situation even more upsetting. At no point did she take any responsibility for assisting me or make an effort to escalate the issue to someone who could help. Instead, it felt like she was more focused on "winning" the argument than on resolving the problem.
As a customer, I expect to be treated with respect and dignity, particularly when dealing with something as sensitive as a financial matter. Shirley’s behavior demonstrated a complete lack of professionalism, empathy, and problem-solving skills. Not only did she fail to help me, but her rude demeanor left me feeling belittled and disregarded.
This experience has shattered my confidence in South State Bank. If this is how they allow their representatives to treat customers, it’s clear there are serious gaps in their training and oversight. Handling financial concerns requires patience, courtesy, and a commitment to resolution — none of which I encountered during this ordeal.
I strongly urge South State Bank to take immediate action to improve their customer service, starting with better training and accountability for their employees. No customer should have to endure the level of disrespect and poor service I experienced.
Based on this interaction, I cannot in good conscience recommend South State Bank to anyone. I will be closing any remaining ties I have with this bank and encouraging others to look elsewhere for a financial institution that values its customers.
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South State Bank @SouthStateBank1
Thank you for reaching out, Terry. We are happy to try and resolve this issue. If you'd like to have a supervising banker call you directly, please email [email protected].
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South State Bank
Sue ezzyk @msweuhu
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1 Star Rating
I have been using SouthState Bank for many years. I have a debit card through them. I only use my debit card at a SouthState Bank ATM to withdraw cash. Twice this year, my debit card has been compromised. The first time, two charges had gone through from Amazon, and one was pending. I immediately flagged the pending one and reported all three. The third charge was not processed by the bank. It took almost two months to have the other charges removed from my account.
This time, I caught a $196 charge before it was paid while it was still pending. I caught this due to the bank notifying me by email of this charge. I immediately told them I did not make that purchase. Then, on their website, I spoke to "Tina," who informed me that the charges would have to be processed before I could call the bank and report the fraudulent charges. She asked if I wanted to cancel my debit card and have them issue another. I canceled my debit card but told her not to issue another one. It is obviously not safe to even use their card at their ATMs.
What upset me the most is having to wait for these charges to be processed to report them as fraudulent. I will now have to make a trip to the bank. I am not a happy customer!
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South State Bank @SouthStateBank1
We understand your frustration with this process. If you'd like speak to a supervising banker, please email [email protected].
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South State Bank
Carolyn Kraus @CarolynKrealty
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5 Star Rating
I want to thank Ross Glendye from the mortgage department for coming in at the last minute and pulling together a closing in 8 days! That was an actual miracle! We had a client who tried to use an out-of-state lender that did not understand our market and was not able to close on time. So, as I tried to tell my client in the beginning, he needed to go to Ross! So, he called 8 days before closing, and Ross was able to get the loan closed, and everyone was happy! That is really amazing! I worked in mortgage lending for 40 years and now sell real estate - this is why I use Ross Glendye! He really is amazing and stays calm throughout the process and kept all the other agents and clients calm. Thank you, Ross!
Carolyn Kraus, Broker/Agent
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South State Bank @SouthStateBank1
Thank you for the review!
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South State Bank
beveridgekm @beveridgekm
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5 Star Rating
I have been using this bank for a full year, no problems, online and staff always friendly, no issues, and always an accurate reflection of balance. I highly recommend this bank!
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South State Bank @SouthStateBank1
Thank you for leaving a review!
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South State Bank
Lawrence Gilmore @lllaww
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1 Star Rating
Got a debit card fresh from my nearest bank. I was told I could use it immediately. I went to pay a bill and was told the card is invalid. I called South State and they refused to disclose any information; they just referred me back to the branch. I was assessed a late fee for this by the company I was attempting to pay. I will absolutely be filing a complaint with the BBB.
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South State Bank @SouthStateBank1
Thank you for reaching out, Lawrence. We are happy to try and resolve this payment issue. If you'd like to have a banker call you directly, please email [email protected].
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WalletHub Awards
South State Bank has won the following WalletHub Awards:
Get answers to your questions about South State Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
How to Apply for the SouthState Bank Platinum Card
Online: To apply for the SouthState Bank Platinum Card online, you need to visit South State Bank website, choose the SouthState Bank Platinum Card and click 'Apply Now'.
At a branch: You can submit the SouthState Bank Platinum Card application at a South State Bank branch during normal business hours.
After submitting your SouthState Bank Platinum Card application, you should get a decision instantly. But it could take longer if the issuer needs to verify your information. You can check your L.L.Bean Credit Card application status by calling (800) 277-2175.
The SouthState Bank Platinum Card's starting credit limit isn't disclosed. The issuer will determine every cardholder's limit depending on their credit score, income, and other financial factors. You'll know your exact credit limit once your application is approved.
And even if you're not satisfied with your initial spending power, you might increase it in time. As long as you always pay your bills on time, stay well below your credit limit, and improve your credit score, you're...
You can apply for a South State Bank credit card online, or by visiting one of their branches. Unfortunately, they don't take applications over the phone.
How to Apply for a South State Bank credit card
Online: Visit the South State Bank website, choose a card and click 'Apply Now'.
At a branch: You can submit your credit card application at a South State Bank branch during normal business hours.
South State Bank may use Experian, Equifax, or TransUnion credit reports when you apply for a credit card, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a South State Bank credit card.
Key Things to Know
When you apply, South State Bank will perform a hard inquiry on your credit report, which might temporarily damage your credit score by a few...
You can overdraw your South State Bank account when using your debit card, by making a purchase that exceeds your balance.
To authorize the bank to pay these transactions, you will need to opt-in to this service. You can either access your account online and send a secure mail with this request or visit a local branch. You can find more details here. Please note that you will be charged a $36 fee per...
The South State Bank CD has an APY of 1.86% - 2.27%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
South State Bank does not publicly disclose whether it charges a fee for checks. However, it offers one free order of custom checks per calendar year for certain accounts, such as the South State Bank Choice Checking account, or a $10 discount on other check styles.
For the most up-to-date information, visit South State Bank's website or contact customer service by phone at (800) 277-2175.
You can check the best checking accounts available to ensure that whatever decision you go for really...
The South State Bank Visa Signature credit card rewards points are a part of the reward program offered by the card issuer. More specifically, cardholders can earn points for every dollar they spend using their South State Bank Visa Signature card, with the amount of points earned varying, depending on the type of purchase. Accumulated points can then be redeemed for cash back, gift cards and merchandise, among other things.
No, the SouthState Bank Platinum Card does not offer any rewards. The card does, however, offer 0% introductory APR rates as follows:
Purchases: 0% for 21 months, 17.49% - 28.49% (V) after that.
Balance Transfers: 0% for 21 months, 17.49% - 28.49% (V) after that. There is a 5% (min $5) fee for each transfer, though.
If you're looking for a rewards credit card, then consider the Wells Fargo Active Cash® Card instead. This card offers 2% cash rewards on purchases and has a $0 annual fee. It should also be...
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