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..

Security Lockout

Posted by: |

We have been dealing with this bank for many years and had good experience in the past.As of Recently our account will be locked out without any warning . We have to call and wait sometimes as long as 25 min before someone answers .
Staff at the local branch are very helpful

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.

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Health
A+

Data as of Q3 2020

Data displayed below is for insuring bank: CenterState Bank
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33555
Year Established1992
Employees5265
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.31%
Return on Equity - YTD2.25%
Annual Interest Income$622.9MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$37.72B$17.41B
LoansQ3 2020vs Q3 2019$25.25B$12.00B
DepositsQ3 2020vs Q3 2019$30.02B$13.37B
Equity CapitalQ3 2020vs Q3 2019$4.68B$2.93B
Loan Loss AllowanceQ3 2020vs Q3 2019$440.2MM$42.0MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$112.4MM$43.0MM
Real Estate OwnedQ3 2020vs Q3 2019$13.5MM$6.6MM
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
0.05%--Holiday Savings

South State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Personal Money Market
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $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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