South State Bank

Deposits held and insured by CenterState Bank

Finally a bank I can love

Posted by: |

I joined south state Bank (known as first federal at the time) a little over a year ago. After a bad relationship with a previous bank I was a little nervous about trusting another bank. From the very beginning their employees were very friendly, patient, and willing to help. They helped me pick the best account to suit me, which just happen to be their first free checking. So I was happy to have a checking account with no monthly fee. I never had any problems with them at all and when it came time to find a new car they provided me with a loan at only 1.99 Apr. It has been well over a year and still love this bank.

Debit Card Blocking

Posted by: |

Great bank unless you like to use your debit cards.. I use my card and the next attempt it is blocked. Call the # provided and get told cards are reactivated after verifying the transaction. But then go to lunch with the family and get embarrassed because card is declined... Call back and asked did I use the card at this restaurant...yes I did and you declined it... We're sorry your card is really activated and good for use... Declined again.. And again and again... Call back did you attempt to charge at such and such... Yes I did and you declined it.. We're sorry cards are good now. No they aren't they still get declined..... Now I have to wait till Monday to go into a branch and get it straight cause it is a sat. And y'all aren't open so I am careless until Monday.... It is straight b.s. that every time the card is used I have to verify the purchase and card is blocked..

Debit Card Blocking Sign Of Times To Come

I am with South State Bank because they took over First Federal of Charleston, which I'd been with 25 years, my Bill Pay is set up there and a few of the old timers are still around. First thing they did was cancel the high interest account FF started to attract deposits to increase value before selling to SSB. I'm getting 1/10th of a cent on account with tens of thousands of dollars in them. I email a branch manager a question and my email is ignored. And I have repeatedly had the same humiliating and expensive experience with my debit card being blocked when i have plenty of money in my account. The branch manager told me it was for my protection as they area small bank and do not want to have to cover fraud. Hooey! That is for their protection! As the other writer mentioned, there is no customer service on weekends, which is really unbelievable.
Bottom line: Banks not giving us access to our own money is deeply troubling. I'm trying to get away from all banks. I trust them not one iota. Look what they did to our economy and what they are doing now to build a pipeline on private land. Look how they are brutalizing people in North Carolina trying to defend US Constitutional law. If i could i would try a member owned credit union.

South State Is A Nightmare

The customer service is decent, they try to help at least. It isn't their fault the bank they work for is miserable. But SouthState is by far the worst thing I've ever had to deal with. Their 'fraud' line NEVER calls when they shut down my card and don't notify. Claims it's because they put me down for 'evening only' with my number, but no bank is open in the evening! Took me 3 hours of calling different customer service people time and time again just to make a simple transaction. Weeks ago I paid for my tuition for school, and have done so 3 times a year for the last 6 years! This week I had to make a SIGNIFICANTLY smaller transaction and they shut my card down 3 times in one morning after assuring me it would work time and time again, just to NOW inform me of my supposed daily limit?? Why in the last SIX YEARS has this never been the case except for today? Their app used to show all my recent transactions, now it only shows me the last couple weeks and NO OTHER HISTORY so it's near impossible to keep up with my balance and checkbooks! If it wasn't for the internal transfers being handy between family, we would have shut this down ago when our bank first got bought out by SouthState and absolutely ruined.

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Health
A+

Data as of Q4 2019

Data displayed below is for insuring bank: CenterState Bank
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Health Grade Components

Overall
FDIC Certificate #33555
Year Established1992
Employees2756
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD8.94%
Annual Interest Income$688.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$17.14B$12.33B
LoansQ4 2019vs Q4 2018$12.09B$8.34B
DepositsQ4 2019vs Q4 2018$13.15B$9.48B
Equity CapitalQ4 2019vs Q4 2018$2.97B$2.00B
Loan Loss AllowanceQ4 2019vs Q4 2018$40.7MM$39.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$44.4MM$37.8MM
Real Estate OwnedQ4 2019vs Q4 2018$5.1MM$2.9MM
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

South State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Health Savings Account
OTHER TIERS: 0.02% Up to $500 | 0.10% $500 - $5k | 0.15% $5k - $25k | 0.20% $25k - $50k
0.05%--Smart Savings
0.05%--Youth Savings

South State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Personal Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $100k

South State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Gold Checking
OTHER TIERS: 0.05% Up to $50k
0.02%--Choice Checking
0.02%--Classic Checking
Locations

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