ApideckTapeMonthly recap
← Embedded Finance Index 2026/Banks

SouthState Bank

Sponsor bank
BaaSCard IssuingSponsor Bank

Sponsor bank tracked in the Embedded Finance Index. Named by 4 companies, most often as their sponsor bank.

southstatebank.com ↗Also analysed as a company — its own stack →
TypeSponsor bank
Used asSponsor bank, Banking-as-a-Service, Card issuer
Rank#48 of 199 in Sponsor Bank
Buyers4 companies
HeadquartersWinter Haven, Florida, U.S.
Founded2000

Claim this profile. Work at SouthState Bank? Verify your work email to unlock the full buyer list.

How companies use SouthState Bank

4 companies name SouthState Bank in their stack. The most common role is sponsor bank (4). A company can use the same bank for more than one thing.

Sponsor bank4
Banking-as-a-Service3
Card issuer1
SouthState Bank’s APIs · from Open Banking Tracker

Open Banking Tracker has no developer portal on file for SouthState Bank. One aggregator connects to its accounts.

Reachable through
Plaid
From Open Banking Tracker’s open dataset, record “SouthState Bank - Credit Card”. Full bank profile on Open Banking Tracker ↗
Background · from SouthState Bank’s own dossier

SouthState Corporation emerged from the 2020 merger of equals between CenterState Bank (founded 2000, Winter Haven FL) and South State Corporation. It now operates as a Nasdaq-listed ($46.4B assets, 5,100 employees) regional bank across the Southeast and expanding into Colorado and Texas. Its Specialty Banking group has leaned into the fintech sponsor-bank model — offering BIN sponsorship, FBO-master disbursement accounts, and payroll/HCM funds impound — positioning it as a chartered partner for payments and fintech programs rather than only a traditional branch bank.

Recent developments
  • 2025-11Published partnership story with Hourly for instant payroll payments. source ↗
  • 2026-09Dedicated new $17M Winter Haven regional support center to CenterState co-founder Ernie Pinner. source ↗
Full dossier: SouthState Bank’s own stack, layer by layer →
Who uses SouthState Bank
4 companies disclose SouthState Bank in their stack
FamzooSelfHourlyKurensē
Buyer mix · 4 of 4 classified
Fintech / Consumer banking · 1Fintech / Lending · 1Fintech / SMB banking · 1Vertical SaaS / Construction (Payroll + Workers' Comp) · 1
US · 4
What the disclosures say
Famzoo
“famzoo.com/legal/CardholderAgreement.pdf — 'Bank, we, our and us refer to SouthState Bank, N.A., member FDIC.' Known customer listing also confirms SouthState Bank and Four Corners Community Bank list FamZoo at bankingembedded.com/companies/famzoo.”
Self
“bankingembedded.com/companies/self publicly lists First Century Bank, Sunrise Banks, SouthState Bank, and Lead Bank as partner banks for Self Financial.”
Hourly
“Hourly's money movement is ACH payroll flows through processing banks (SouthState Bank, Heritage Bank of KY, Wells Fargo), not card acquiring.”
Kurensē
“SouthState Bank publicly lists Kurensē as a customer on bankingembedded.com.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent SouthState Bank? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where SouthState Bank’s disclosed buyers are headquartered. Represent SouthState Bank? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

Other banks in Sponsor Bank

Other banks named for Sponsor Bank in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Evolve Bank & Trust100 buyers →Sutton Bank64 buyers →Cross River63 buyers →Pathward43 buyers →Celtic Bank39 buyers →Community Federal Savings Bank37 buyers →Thread Bank31 buyers →The Bancorp Bank25 buyers →
Share this rank

An embeddable badge for SouthState Bank’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #48 of 199 in Sponsor Bank — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/southstate-bank?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/southstate-bank.svg"
       alt="Ranked #48 of 199 in Sponsor Bank — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/southstate-bank/install" width="1" height="1" alt="" style="display:none">

SouthState Bank — frequently asked

Which companies use SouthState Bank?

4 companies are linked to SouthState Bank in the Embedded Finance Index 2026, through their own public disclosures or SouthState Bank's published customer list, including Famzoo, Self, Hourly and Kurensē.

What do fintechs use SouthState Bank for?

SouthState Bank is a sponsor bank. Companies in the Embedded Finance Index 2026 name it as their sponsor bank (4), banking-as-a-service (3) and card issuer (1).

What are the alternatives to SouthState Bank?

The most-named Sponsor Bank alternatives to SouthState Bank are Evolve Bank & Trust (100 buyers), Sutton Bank (64 buyers), Cross River (63 buyers), Pathward (43 buyers), Celtic Bank (39 buyers) and Community Federal Savings Bank (37 buyers).

Where is SouthState Bank headquartered?

SouthState Bank is founded in 2000 and headquartered in Winter Haven, Florida, U.S..

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against SouthState Bank and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to SouthState Bank and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.