Premium Earnings Credit
Find the Extra in Your Earnings Credit
Premium Earnings Credit puts your settlement balances to work, paying approved vendors, unlocking exclusive resources, covering event registrations, and more. And it qualifies your bank for A-List membership.
Start earning more →Rates are illustrative and subject to markets.
More from your earnings credit.
Every cycle, your settlement balances generate earnings credit through standard account analysis. Most banks leave it on the table. Premium Earnings Credit puts it to work, covering the vendors you use, the resources you want, and the opportunities that were previously out of reach, and qualifying your bank for A-List membership.
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Step 1
We read your collected balances
Premium Earnings Credit looks at the investable balance in your settlement account each cycle, after the reserve factor. Those are the dollars actually earning credit.
Uses balances you already hold -
Step 2
Your earnings credit is calculated
Your Earnings Credit Rate is applied to those balances, producing a soft-dollar allowance sized to your real liquidity. It updates as rates move.
Tracks your ECR automatically -
Step 3
You choose where it goes
Point that credit where it matters, covering approved vendors, exclusive A-List resources, and event registrations. Carrying Premium Earnings Credit qualifies your bank for A-List membership.
Vendors · A-List Resources · Events -
Step 4
The credit does the paying
Invoices you were going to pay in cash get covered by credit you were already earning. Same spend, no new outlay, and the value comes straight from balances you already hold.
Pay without spending
More value, plus A-List status.
Credit goes where you point it. Cover the vendors running your bank, reach resources reserved for A-List banks, and put your team in rooms that matter, all while Premium Earnings Credit qualifies your bank for A-List membership.
Cover approved invoices
Point earnings credit at the vendor relationships that run your bank, including core spend like Fiserv and FIS.
Add capabilities without new cash
Put Correspondent products to work using credit instead of budget, from Loan Command to Deposit Command, funded by balances you already hold.
Get your team in the room
Apply credit to conference and event registrations so professional development doesn't compete with the budget.
The status your balances unlock
A-List is our highest tier of correspondent partnership: priority access, exclusive resources, and a place among SouthState's top banks. Carry Premium Earnings Credit and your bank is in.
Explore A-List membership →Two ways to pay your invoices.
Take reimbursement the traditional way, or let us pay your approved invoices directly. The new payments platform does the work, so accounts payable stops being your burden.
Reimbursement
Pay your vendors as you do today, then draw your earnings credit back as reimbursement. Simple, familiar, and entirely yours to manage.
Have us pay
Hand off the invoices and we pay your approved vendors directly, on instant rails, with your bank notified at every step. All the upside of your credit, none of the accounts-payable work.
What the payments platform does for you.
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Easy to use
Upload and done
Upload your invoices and the platform reads them, sets up payment, and notifies your bank of everything pending and paid. No new workflow to learn.
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Savings & protection
Instant, secure payment
Payments move on instant rails, fast and secure. We take on the burden, cost, and risk of managing accounts payable, so your team can focus on banking.
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Anomaly detection
Flags what looks off
Intelligent anomaly detection watches your payments and alerts your bank when large, non-seasonal variances appear, before they become a problem.
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Benchmarking
Know where you stand
See your bank's cost structure relative to peers. The data sharpens vendor negotiations and points to where efficiencies are hiding.
Start earning more.
Premium Earnings Credit is available to SouthState's top correspondent deposit holders, and qualifies your bank for A-List membership. Tell us about your bank and we'll come back with what your balances could be earning.
Put your balances to work.
You'll get your bank's potential earnings credit and what it can cover. Open to qualifying community banks and credit unions, and applying starts a conversation, not a contract.