/ 1. Online Banking User Guide SouthStateBank.com / (800)

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1 / 1 Online Banking User Guide SouthStateBank.com / (800)

2 Welcome Thank you for using South State s Online Banking. Whether you are a first time user or an existing user, this guide will walk you step by step through our Online Banking and how to use it. Our free service allows you to do your banking anytime and anywhere so you can focus on what matters most. Support Hours Monday Friday: 8am 7pm Saturday: 8am 3pm Member FDIC

3 Table of Contents A. Security Identifying You Identifying Us Secure Webpages Firewall Automatic Log Out B. How to Enroll C. First Time Login D. Relationship Summary List of Accounts Transfers Pending Transactions Alerts Quick Pay Spending Report E. Billpay and Popmoney Setting Up BillPay Paying a Bill Same Day and Next Day BillPay History ebills Popmoney F. Statements and Images G. Secure Message I. Account Information Transaction History Search Transactions J. Transfer Funds Internal Transfers - Express Transfers - Schedule Transfers External Transfers (Bank to Bank) - Set Up External Account - Schedule a Transfer - Manage Accounts K. Stop Payment L. Mobile Banking iphone/ipad app Mobile Site Text Banking Mobile Deposits M. Quicken N. Customer Service Change Password or Address Security Questions Mobile Banking Enrollment Primary Account estatement Enrollment H. Credit Cards Info

4 Security / A1 Security Keeping your information safe and secure is important to us. We use multiple layers of protection to help us identify you and for you to identify us. Identifying You Online Banking identifies and authenticates you and your device each time you log in. Here s how it works. A valid User ID and Password must be entered correctly to log in. Challenge Questions are created the first time you login. You will be asked to answer a Challenge Question. The device you are using to log in computer, mobile phone, or tablet must be recognized and registered through Online Banking. Your location is detected as you log in to Online Banking. If a login is made from a new location, (for example while you are on vacation) you may be prompted to answer one of your challenge questions. Identifying Us Each time you log in, the system will verify you through your Access ID and Password. It also lets you identify us by using an Extended Validation (EV) certificate. EV certificates are an anti-phishing security feature, providing a visual confirmation that you are on an authentic website. With this certificate, you will see some or all of the following features to verify you are entering our secure site: All or part of your website address bar will be green. Our Online Banking partner s name, Fiserv, Inc. or Trusted will appear in the address bar. A padlock icon will appear in the address bar. The EV certificate may display differently depending on the type of web browser you use. Secure Webpages Our website and Online Banking both utilize Secure Sockets Layer (SSL) protocols. SSL provides a secure channel for data transmission by encrypting the data and ensures the data cannot be altered during transmission. To use Online Banking, South State Bank requires an internet browser that supports 128-bit encryption. Please note: anytime you see a website that begins with https instead of http, you know you are using a secure connection through SSL. In addition to SSL encryption, South State Bank was issued a certificate for the bank s server. This means our Online Banking is a safe and secure site that has been verified and passed a malware scan. Firewall To stop unauthorized users from reaching our bank s servers, we utilize hardware and software firewalls. These firewalls act as a communications filter to stop malicious communications. For added security, your data passes through a series of firewalls that scramble your information to ensure only authorized South State Bank representatives can read it. Automatic Log Out Using the Log out button on any site is the best way to safely end the secure connection between your computer and a server. Online Banking has an automatic log out feature that will automatically end your session if there is no activity for 15 minutes.

5 How to Enroll / B1 How to Enroll Enrolling in Online Banking only takes a few minutes. You will need your South State Bank Account Number and Phone Banking PIN. Your initial Phone Banking PIN will be the last four digits of your Social Security Number. How do I enroll? 1. Visit SouthStateBank.com and click Enroll Now under the Online Banking Login box on the left hand side of the screen. 2. Complete the enrollment form and click Submit. 3. Read the Agreement and click I Agree. 4. Next, you will set up your Security Information. This consists of confirming your address and selecting and answering three Challenge questions. 5. Create an Access ID and Password, then click Submit. 6. You will now be directed to your Online Banking account.

6 First Time Login / C1 First Time Login 1. Visit SouthStateBank.com and look for the Online Banking Login box 2. Online Banking will appear in the drop down box and click Submit 3. Enter your Access ID, and click Submit 4. Enter your temporary Password, and click Submit (This will be the last four digits of your Social Security Number.) 5. Follow the on screen instructions to confirm and create a new permanent Password 6. Next, you will set up your Security Information. This consists of confirming your address and selecting/answering three (3) Challenge Questions

7 Relationship Summary / D1 Relationship Summary Once you log in to Online Banking, you will see the Relationship Summary page. This page allows you to quickly access commonly used features. 1. List of Accounts 2. Transfers 3. Pending Transactions 4. Alerts 5. Quick Pay 5. Spending Report List of Accounts The List of Accounts will display all of your accounts with current balances. Each account is an active link, allowing you to get additional detail by clicking on your account name. Transfers To make an internal transfer from one South State account to another, use the quick access box on the Relationship Summary Page. This transfers funds immediately from one account to the other. Pending Transactions Pending Transactions gives you a list by account of any transactions that are in process. You can quickly view pending transactions in other accounts by using the drop down menu. Helpful Tip Hover over tab names to access additional links or use single click links within Online Banking.

8 Relationship Summary / D2 Alerts Alerts are a great way to manage your accounts. You can set up a low balance or daily balance alert and stay on top of your money. Visit our website to see a complete listing of all alerts. Setting up a new alert: 1. Log in to Online Banking 2. On the Relationship Summary Page in the Welcome sentence, select the link Click here to manage your Alerts 3. Click Alert - Checking or Alert - Savings from the pop-up box 4. Click Setup New Alert 5. Choose an Alert from the drop down box and click Next 6. Fill in the appropriate fields and click Finish 7. You will receive an or text notification to confirm you have registered for Alerts Spending Report Your spending by account is automatically categorized for you and displayed in a colorful chart on the Relationship Summary Page. The Spending Report will allow you to quickly see where your money is going and help you manage your expenses more closely. Changing Categories If at any time you want to change the Category on a transaction Simply click on an account in the List of Accounts and then Account Activity Next, click on All Transactions. This will open a new window. Click the pencil icon next to the transactions and category you want to change Then, choose the new category from the drop down menu and click the Save icon Quick Pay Quick Pay is an easy way to pay a single bill or a person from the Relationship Summary Page once you are enrolled in BillPay. Please note billers and people cannot be added from this screen. To add or edit payees, click on Billpay at the top of Online Banking. If a business is not automatically categorized, you can request that it be added. Please call Customer Care or your Personal Banker.

9 BillPay and Popmoney / E1 BillPay and Popmoney Managing your bills can be quick and easy. In addition to paying bills online, you can set up automatic payments and reminders, receive ebills instead of paper statements, and even pay a person. Setting up BillPay To access BillPay, log in to Online Banking. Next, click BillPay at the top of the screen. The first time you access BillPay, you will be asked to agree to the Terms and Conditions and verify your information. Now, you are ready to set up your billers. 1. Click Add a Company or Person to pay. You will have different options for how to set up a biller. Company with an account number Search for the company name (or you can enter all information from a current bill). Enter additional information such as account number and mailing address. Company without an account number Search for the company using a telephone number (or you can enter all information from a current bill). Enter additional information such as account number and mailing address. Person Search for the person using a publicly listed telephone number (or you can enter all information on your own). 2. Enter required information about the biller and click Add a Bill. 3. Next, enter in the amount and date of payment next to the company or person you would like to pay. Click Make Payments at the bottom. You will have a chance to review and confirm all payments.

10 BillPay and Popmoney / E2 Paying a Bill Once you have set up your billers, you are ready to pay a bill. Simply enter the amount and date of payment next to the company or person you would like to pay. Once you ve entered in one or multiple billers to pay, click Make Payments at the bottom. Next, review and confirm all payments are correct and click Submit. Please note: If you have BillPay set up on multiple accounts, please be sure to select the account you wish to use to pay your bill in the drop-down box in the Payment Center. To set up additional accounts for Billpay, contact us at (800) Same Day and Next Day BillPay If you forget to pay a bill and want to avoid it being late, we have two options within BillPay - Same Day($9.95) and Next Day ($14.95) BillPay. Based on the biller, you will either be given the option to pay the bill electronically the same day or overnight by check the next day for a fee. For each bill that is available for the service, you will see a highlighted date with a fee. These options are only available within Online Banking accessed on a computer, not through Mobile Banking. History You can view your Billpay history on the right side of the screen. If you need to search for additional history, simply click the View Bill History link at the bottom. Helpful Tip You can schedule a payment up to a year in advance. The cut-off time for Next Day Billpay is 4 PM EST. The cut-off time for Same Day BillPay it is 10 PM EST.

11 BillPay and Popmoney / E3 ebills ebills are an electronic version of your bills. If an ebill is offered by one of your billers, you will see an icon next to the biller that says Get Bill. Click the icon, enter and/or verify your information, and agree to the Terms & Conditions. GET BILL Once your new ebill arrives, we will notify you several ways. 1. You will receive an notification with details of the bill. 2. When you access BillPay online, you will notice the icon has changed to Bill Due BILL DUE 3. Through our South State Mobile Banking app or Mobile Banking Internet Browser, you will also have a notification under BillPay that shows you when an ebill has arrived. Refer to the Mobile Banking section below for more information. Reminders BillPay Reminders are a perfect way to stay on top of your bills. Some of the reminders that you can set are: Remind me when a bill is due Remind me if it is not paid by the due date Notify me when the payment has been sent. Popmoney Popmoney is convenient way to pay a person. You don t have to write a check, and the money is deposited directly into their account once they ve entered their information. We ll also send you notifications throughout the process so you know when the money has been delivered. You only need an address or mobile number to get started. Popmoney can be accessed through Online Banking and Mobile Banking. Must have an open U.S. bank account. Non-customers must register on Popmoney.com to receive funds. Fee applies, see banker for details. Online Banking 1. Login to Online Banking and click BillPay. You must be enrolled in BillPay to use this service. 2. Click Popmoney 3. Select Send Money or Request Money 4. Enter the person s address or mobile number, the amount you want to send/receive and a personal message. If you know the person s account information, you can use the option to pay as a direct deposit. Mobile Banking* 1. Login to Mobile Banking 2. Click Payments, then Popmoney 3. Click Send Money, and click on the Pay to box 4. Select or enter a new contact. Follow the prompts to complete the transaction *This service is not available with Text Banking.

12 Statements and Images, Secure Message, and Credit Card Info / FGH1 Statements and Images The Statements/Images tab will allow you to access your historical statements (estatements), as well as check images and notices. You can search by date range and by account. You ll have access to approximately two years of statements and 90 days of check images. Secure Message At any time you can send our bankers a secure message with a question, and we ll respond within hours. Simply click on the Secure Messages link in the Welcome sentence. You can also access this feature once you ve clicked on an account. On the Account Summary Page, look for the link to Compose a new message. Credit Card Info If you have a South State credit card, you can access your credit card transaction information by clicking on the Credit Card Info link. Please note that you will have to use a separate login for this site. If you have not enrolled for credit card access online: Click the Credit Card Info link within Online Banking On the credit card login page, click enroll at the top Enter the required fields and click Submit

13 Account Information / I1 Account Information Detailed account information is available for each of your accounts. Once you click on one of your accounts from the Overview page, you will have several new options. Transaction History Under the Account Activity link, you will be able to view your current and previous statements, transactions since your last login or for the current business day, and the ability to search and export transactions. The transaction information can easily be sorted by any of the column headers: Date, Check Number, Description, Debit, or Credit. You can also view an image of the check as soon as it is processed by the bank just by clicking on the check number. You can rotate the check, view the back of the check, or print it from the file menu. Search Transactions The All Transactions link under account activity allows you to do a simple or in-depth search on your transactions. This is also where you will export transactions and re-categorize your expenses for the Spending Report. Helpful Tip Use the drop down boxes throughout Online Banking to quickly access another account or view.

14 Transfer Funds / J1 Transfer Funds Internal Transfers Express Transfers Allows you to transfer funds from one South State Bank account to another. An Express Transfer takes place immediately. This can be accessed from the Overview page or once you click into an account. Scheduled Transfers Allows you to choose a future date to transfer funds from one South State Bank account to another. This can be accessed from the Overview page or once you click into an account. Helpful Tip The cut off time for internal transfers is 8:30 PM EST. Any transfer initiated after this time will be posted the next business day. External Transfers Bank to Bank Transfers Allows you to transfer funds between accounts you have with us and other financial institutions. There is a fee for this service. To access this service, simply click on an account and select the Bank to Bank Transfers link. Set Up and Validate an External Account There are two ways you can set up and validate an external account. Please note the option you are given to validate your external account is based on what s required from the other financial institution. 1. Online Banking Credential Verification confirms your access to the account through an Online Banking account with the other financial institution. You will be required to enter your login credentials for the other financial institution to validate Once your external account is validated, you ll have transfer capability immediately Not all banks participate in this method of validation 2. Trial Deposit Verification confirms your access to the account through two small deposits made to your external account. After entering your external account information, the system will send two small credits to your account at the other financial institution. It may take 1-2 days to receive Once the credits have been received, you will login to South State s Online Banking and enter the amounts. This confirms that you have access to the account To confirm the amounts, log in to South State s Online Banking Click on an account and then on Bank to Bank Transfers Next, click on Manage Accounts and enter the deposit amounts for the financial institution that you are setting up If Trial deposits are entered incorrectly, you will need to remove the account and renter the information to begin the validation process again

15 Transfer Funs & Stop Payments / J2K1 Schedule a Transfer Once your external account has been validated, you are ready to transfer funds. Simply click on the Transfer Funds link and enter the appropriate fields. Please note Bank to Bank Transfers have a three (3) day delivery speed. Stop Payments A Stop Payment can be placed on a check only and is valid for six months. Please refer to the Online Banking confirmation screen for the stop payment fee. To place a stop payment, you ll need to enter the following information on the Stop Payment screen. Enter the check number Enter the amount of the check Enter the Payee information on the check Manage Accounts The Manage Accounts tab is where you Edit, Add, and Delete your external accounts. Helpful Tip The cut-off time for external transfers is 1am EST. All transfers can be canceled until the 1am EST cut-off time. After this time, all transfers will be processed and can not be canceled.

16 Mobile Banking / L1 Mobile Banking Mobile Banking can be accessed through: 1. South State Mobile Banking App (iphone and Android Only) 2. South State ipad App 3. Mobile Internet Browser (any phone with Internet access) 4. Text Banking (any phone with text capabilities) *Please note that you must be enrolled in Online Banking in order to access your accounts with Mobile Banking. How Do I Enroll? Mobile/iPad App 1. Please note that you must already be enrolled in Online Banking to access your accounts with Mobile Banking. You can sign up for Online Banking from on our website 2. Go to the App Store (itunes or Google Play) 3. Search for South State Mobile Banking 4. Once you install the App enter your Online Banking Access ID and Password Mobile Internet Browser and Text Banking 1. Login to Online Banking 2. Click Customer Service, then Account Services at the top and scroll to the Mobile Banking enrollment section 3. Agree to the Terms & Conditions 4. Click the boxes for the version(s) for which you want to enroll (Mobile Browser or Text Messaging) and follow the prompts. Next, you will receive text(s) with instructions on how to access your accounts based on how you enrolled *Message and data rates may apply. Apple and the Apple logos are trademarks of Apple Inc., registered in the U.S. and other countries. iphone and ipad are trademarks of Apple, Inc. App Store is a service mark of Apple, Inc. Android is a trademark of Google, Inc. Blackberry is a trademark of Research In Motion Limited. Mobile Deposits Mobile Deposits is an easy way to deposit your checks anytime, anywhere. To get started, enroll in Mobile Banking and download our South State Mobile Banking App. Then, take a photo of your check using your smartphone or tablet. It s that easy! How it works 1. On the back of each check, sign your name and write Mobile Deposits on and the date. 2. Log into Mobile Banking using your smartphone or tablet. 3. Tap Deposits at the bottom of the app. 4. Tap New Deposit, then enter the check amount you are depositing and tap continue. 5. When prompted, take a photo of the front and back of your check. 6. Confirm your deposit details and tap Yes or No. 7. To review your pending deposit, go to Deposits and tap on Deposit History. It may take up to three business days for the funds to be available in your account. You can click on Deposits and then Deposit History to see the status of your deposit. Visit our website for frequently asked questions and an online demo.

17 Quicken / M1 Quicken South State s Online Banking supports Quicken and QuickBooks financial software to manage your finances. You have two options for downloading your transactions, Direct Connect and Web Connect. Both options are available at no charge. Direct Connect Establishes a connection between Quicken and South State s Online Banking to automatically update without having to import transactions. Web Connect Allows you to download your account information from South State s Online Banking and then upload to Quicken. Please visit SouthStateBank.com to access our Quicken reference guide on how to disconnect from a previous financial institution and to reconnect under South State Bank. Quicken is a trademark and service mark of Intuit, Inc., registered in the United States and other countries.

18 Customer Service / N1 Customer Service Under Customer Service, you can manage your personal information and access resources on how to use Online Banking. Under Account Services, you can: Edit Passwords Edit Address Edit Challenge questions Change Account Nicknames Change Primary Account Enroll for estatements Enroll for Mobile Banking For security purposes, we will send confirmation s once you change this information. You can also access the following under Customer Service: Frequently Asked Questions Online Demos Order Checks Please note to re-order checks online, you ll need your account number and routing number from your checks.

19 Customer Service / N2 estatements Electronic statements are the fastest, safest, and most convenient way to receive your monthly bank statements. They are just like paper statements, but can be accessed securely through online banking. estatements are available for any checking, savings, or home equity line of credit. Internet access and a few simple clicks are all you need to sign up! How to enroll in estatements 1. Go to SouthStateBank.com 2. Login to Online Banking 3. Click on Customer Service then Account Services 4. Scroll down to the estatement section and click Edit 5. Select the account(s) that you want to sign up for estatements and confirm your address. 6. Check the box that you agree to the terms and click Submit.