Find the latest South State Bank Promotions, Bonuses, and Offers here.
Update 5/14/26:
- There’s currently a $300 checking bonus valid through 6/30/26.
- There’s currently an up to $1000 business checking bonus valid through 6/30/26.
- There’s currently a $200 checking bonus valid as a limited time offer.
About South State Bank Promotions
Established in 1934, South State Bank is headquartered in Columbia, South Carolina and has over 130 locations throughout Georgia, North Carolina, and South Carolina.
I’ll review the current South State Bank promotions below.
South State Bank $300 Checking Bonus
- What you’ll get: $300 bonus
- Account Type: Checking account
- Availability: AL, FL, GA, NC, SC, VA (Branch Locator)
- Direct Deposit Requirement: Optional, you can preauthorized automatic draft(s) of $25 instead. (See what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Up to $250
- Monthly Fees: $8, avoidable
- Early Account Termination Fee: $25 if closed within 90 days
- Household Limit: None
(Expires 06/30/2026)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($425 bonus) |
| Bank of America ($500 bonus offer) | U.S. Bank Smartly® Checking ($450 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- From now until June 30, 2026, new customers can earn $300 when opening a SouthState checking account using promo code 300BONUS and meeting the following qualifiers within 60 days.
- Make a minimum of 15 debit card purchases/payments.
- Have a monthly total of $250 qualifying direct deposit OR preauthorized automatic draft(s) of $25.
- If you meet all of the Eligibility and Qualifications above, we will post the $300 bonus to your account within 2 business days of the completion of the 60 calendar day qualifying period.
- PROMOTIONAL OFFER RULES: Promotional offer applies to new personal checking accounts (excluding SouthState at Work product type) opened between 04/01/2026 and 06/30/2026 using the promo code 300BONUS. To open an account at a branch location, a $25 minimum deposit is required; no minimum deposit is required for accounts opened online. Residency restrictions may apply and offer not available to employees of SouthState Bank, N.A. or its subsidiaries.
- The Bonus is not available if any primary or joint owner(s) has previously received a Bonus on an eligible SouthState personal checking account. The Bonus cannot be combined with any other checking or deposit offer, or reproduced, purchased, sold, transferred, or traded. SouthState reserves the right to modify or discontinue the offer at any time without notice.
Eligibility & Qualifications: To receive the $300 bonus you must meet the following criteria: - • At account opening, which is either the date the account is opened or the next business day if opened on a non-business day, you cannot be a current owner or joint owner of a SouthState personal checking account, or have been an owner or joint owner of a SouthState personal checking account in the past 12 months.
- • Within 60 calendar days of opening the account, you must have:
- – 15 or more posted and cleared debit card purchases/payments from the account; AND
- – Cumulative direct deposits of at least $250 of your salary, pension, Social Security, or other regular recurring income (Note: Internal account transfers, mobile deposits, debit card deposits, person-to-person transfers, instant payments and deposits made at a banking location or ATM do not qualify as a direct deposit.); OR
- – One or more preauthorized automatic drafts by a third party of at least $25 setup using the Bank’s routing number and your account number (Note: recurring debit card payments, person-to-person transfers and instant payments do not qualify as a preauthorized automatic draft for purposes of this promotion).
- • Your account must be open with no changes to the product type (i.e. SouthState Checking, Choice Checking, Gold Checking etc.) at the time of payment.
- Promotional Bonus Payment: If you meet all of the Eligibility and Qualifications above, we will post the $300 bonus to your account within 2 business days of the completion of the 60 calendar day qualifying period. The bonus will be reported to the appropriate taxing authorities, as required by law or regulation.
South State Bank $200 Checking Bonus *No Direct Deposit Required*
- What you’ll get: $200 bonus
- Account Type: Checking account
- Availability: AL, FL, GA, NC, SC, VA (Branch Locator)
- Direct Deposit Requirement: Optional, you can preauthorized automatic draft(s) of $25 instead. (See what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Up to $250
- Monthly Fees: $8, avoidable
- Early Account Termination Fee: $25 if closed within 90 days
- Household Limit: None
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($425 bonus) |
| Bank of America ($500 bonus offer) | U.S. Bank Smartly® Checking ($450 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- To earn $200, new customers can open a SouthState checking account using promo code EARN200 and meet the following qualifiers within 60 days1.
- Make a minimum of 15 debit card purchases/payments.
- Have a total of $250 qualifying direct deposit OR preauthorized automatic draft(s) of $25.
- If you meet all of the Eligibility and Qualifications above, we will post the $200 bonus to your account within 2 business days of the completion of the 60 calendar day qualifying period.
- PROMOTIONAL OFFER RULES: Promotional offer applies to new personal checking accounts (excluding SouthState at Work product type) opened during the promotional period using the promo code EARN200. To open an account at a branch location, a $25 minimum deposit is required; no minimum deposit is required for accounts opened online. Residency restrictions may apply and offer not available to employees of SouthState Bank, N.A. or its subsidiaries.
- The Bonus is not available if any primary or joint owner(s) has previously received a Bonus on an eligible SouthState personal checking account. The Bonus cannot be combined with any other checking or deposit offer, or reproduced, purchased, sold, transferred, or traded. SouthState reserves the right to modify or discontinue the offer at any time without notice.
- Eligibility & Qualifications: To receive the $200 bonus you must meet the following criteria:
- • At account opening, which is either the date the account is opened or the next business day if opened on a non-business day, you cannot be a current owner or joint owner of a SouthState personal checking account, or have been an owner or joint owner of a SouthState personal checking account in the past 12 months.
- • Within 60 calendar days of opening the account, you must have:
- – 15 or more posted and cleared debit card purchases/payments from the account; AND
- – Cumulative direct deposits of at least $250 of your salary, pension, Social Security, or other regular recurring income (Note: Internal account transfers, mobile deposits, debit card deposits, person-to-person transfers, instant payments and deposits made at a banking location or ATM do not qualify as a direct deposit.); OR
- – One or more preauthorized automatic drafts by a third party of at least $25 setup using the Bank’s routing number and your account number (Note: recurring debit card payments, person-to-person transfers and instant payments do not qualify as a preauthorized automatic draft for purposes of this promotion).
- • Your account must be open with no changes to the product type (i.e. SouthState Checking, Choice Checking, Gold Checking etc.) at the time of payment.
- Promotional Bonus Payment: If you meet all of the Eligibility and Qualifications above, we will post the $200 bonus to your account within 2 business days of the completion of the 60 calendar day qualifying period. The bonus will be reported to the appropriate taxing authorities, as required by law or regulation.
South State Bank $1000 Business Checking Bonus
- What you’ll get: Up to $1000 bonus
- Account Type: Business Checking account
- Availability: AL, FL, GA, NC, SC, VA (Branch Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: Up to $250
- Monthly Fees: $0-$15, avoidable
- Early Account Termination Fee: Not listed
- Household Limit: None
(Expires 06/30/2026)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Checking ($500 Bonus) |
| Axos Business Premium Savings ($600 Bonus) | Axos Bank Basic Business Checking ($200 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Bank of America Business Checking ($400 or $750 bonus offer) | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Earn $400 with a Business Checking Account.
- Open a business checking account using promo code LEVELUP by June 30, 2026 and complete the checking account requirements within 90 days to earn $400.
- Within 90 calendar days of opening the account (“qualifying period”), you must have:
- 15 or more posted and cleared debit card purchases/payments from the account; OR
- Cumulative ACH credits of at least $5,000. (Note: Internal account transfers, mobile deposits, debit card deposits, instant payments and deposits made at a banking location or ATM do not qualify as an ACH Credit for purposes of this promotion.)
- Your account must be open with no changes to the product type (i.e. Small Business Checking, Business Gold Checking, Community Checking, Commercial Checking, etc.) at the time of payment.
- Within 90 calendar days of opening the account (“qualifying period”), you must have:
- If you complete the qualifying activities to earn the $400, you will be eligible to earn up to another $600 by completing additional requirements:
- Get another $200 with $50,000 or more in your new business checking account at the end of the 90-day qualifiying period.
- Get an extra $200 plus streamline and secure your business’s cash flow operations when you enroll in SouthState’s Treasury Management services.
- Earn another $200 when you choose one of our industry-leading payment equipment options through SouthState Merchant Services and process $200 in transactions to your new business checking account.
- PROMOTIONAL OFFER RULES: Promotional offer applies to new business checking accounts (excluding IOTA/IOLTA and Association Checking) opened between 04/01/2026 and 06/30/2026 with the promo code LEVELUP. To open an account at a branch location, a $50 minimum deposit is required. Location and business type restrictions may apply and offer not available for trusts or employees of SouthState Bank, N.A. or its subsidiaries.
- The Bonus is not available if the business has previously received a bonus on an eligible SouthState business/commercial checking account. The Bonus cannot be combined with any other business checking or deposit offer, or reproduced, purchased, sold, transferred, or traded. SouthState reserves the right to modify or discontinue the offer at any time without notice.
- Promotional Rebate Payment: If you meet the Eligibility and Qualifications above, the corresponding Bonus payment amount(s) will be credited to your account within 3 business days of the end of the qualifying period, up to a maximum of $1,000. Each Bonus payment will be reported to the appropriate taxing authorities, as required by law or regulation.
South State Bank $25 Referral Bonus
Earn a $25 bonus at South State Bank!
Earn a $25 bonus from South State Bank when you open a new Checking account and complete the requirements.
- What you’ll get: $25 bonus
- Account Type: Checking account
- Availability: AL, FL, GA, NC, SC, VA
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $5,000 Cash Bonus), | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Print our Refer a Friend form.
- Print your name and address on the form. Please use the contact information associated with your SouthState account.
- Give the completed form to a friend, and recommend a personal checking account at SouthState.
- Tell your friend to present this form when opening and funding a new checking account.
- After the account is opened, and all conditions are met, we’ll credit your checking account with $25!
- Promotional Offer Rules: This offer applies to new personal checking accounts opened at a South State branch location with a valid Refer a Friend Form. A $25 minimum deposit is required, and new accounts are subject to approval. South State reserves the right to modify or discontinue this offer at any time without notice. The offer is not available to employees of South State Bank or its subsidiaries. The offer is also not available for South State at Work, Health Savings, Money Market, Fiduciary and Construction accounts.
- Eligibility and Conditions
- Referring Customer: The Referring Customer must have an open qualifying personal checking account at South State at both the time of referral and the time of the “Refer a Friend Bonus.” The Referring Customer cannot be an owner or co-owner of the Referred Customer’s new personal checking account.
- Referred Customer: The Referred Customer cannot have an existing personal checking account at South State and must reside in South Carolina, North Carolina, Georgia or Virginia at the time of account opening. The Referred Customer must have five (5) or more posted and cleared debit card purchases/payments within 30 calendar days after account opening (“Qualifying Period”).
- Bonus Payment: If all of the eligibility and conditions are met, we will credit the Referring Customer’s account with a $25 Refer a Friend Bonus within 10 calendar days of the Qualifying Period. The $25 bonus will be reported to the appropriate taxing authorities, as required by law or regulation.
How to Waive Monthly Fees
- SouthState Checking: $5.00 monthly can be waived when you’re enrolled in eStatements
- Choice Checking: $8.00 monthly can be waived with:
- 15 or more posted & cleared debit card purchases/payments or
- $250 or more in combined direct deposits
- $1,500 or more average daily balance
- Gold Checking: $15.00 monthly can be waived with:
- $5,000 minimum daily balance,
- $25,000 aggregate loan and deposit balances
- Community Hero Checking: No monthly fees
- Small Business Checking: No monthly fees
- Business Gold Checking: $15.00 monthly can be waived when you have:
- $2,500 average daily balance in checking or
- $10,000 minimum daily balance in other combined deposits or
- $10,000 minimum daily balance in outstanding combined loan balances, or
- 15 posted and cleared SouthState debit card purchases/payments
- Community Checking: No monthly fees
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Bottom Line
South State Bank is a great bank option for new sign-up promotions when becomes available. They offer a variety of different ways to waive all their accounts, to help you save your money.
If you don’t have a location near you, you can check out some other great bank bonuses, CD rates and bank rates here.
*Check back on this page for updated South State Bank promotions, bonuses, and offers.
For the $200 bonus,Does anyone know what qualifies as ” preauthorized automatic draft(s)” ?
For South State Bank Promo, November 2019, only residents of some of Georgia are eligible. Must select state and county or residence when applying and not all Georgia counties are listed…
Thanks s, it is now updated.
this ended 6/30 (not 7/30)
South State Bank $100 Checking Bonus
ref: https://www.southstatebank.com/earn100/?campaign=may19
referral bonus is $25 — not $100
Earn $100 bonus credit from South State Bank when you refer a friend to open a new Checking account and complete the requirements.
Tell your friend to present this form when they open and fund a new checking account.
After you account is opened, they will credit your checking account with $25!