Southern States Cooperative

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Southern States Cooperative is a farmer‑owned agricultural supply and retail cooperative that sells farm, home, and energy products throughout the southern United States.

Richmond, Virginia, United States
Owned by GROWMARK, Inc.

About Southern States Cooperative

Southern States Cooperative is a long‑established, farmer‑owned agricultural supply cooperative founded in 1923 and headquartered near Richmond, Virginia. It operates retail locations and affiliated cooperatives that provide a wide range of products, including livestock feed and supplies, crop seed and fertilizer, crop protection products, animal health items, propane and other fuels, lawn and garden supplies, fencing, power equipment, and general farm and home goods. Since 2020, Southern States has been part of the GROWMARK cooperative system while continuing to trade under the Southern States name in its core markets across the southern U.S.

A transaction described as “SOUTHERN STATES ACH COLLEC” on a bank or card statement most likely refers to an ACH (Automated Clearing House) debit or payment collection initiated by Southern States Cooperative for a customer account. This can occur for fuel deliveries (such as propane or heating oil), farm input purchases billed on account, co‑op charge accounts, or other store or service balances that the customer has authorized to be paid electronically. Banks often append a generic term like “ACH COLLEC” or “ACH COLLECTION” to indicate that the payment was processed as an electronic bank transfer rather than a traditional card transaction.

If you are unsure about this charge, first check any recent invoices, delivery tickets, or monthly statements from Southern States, including fuel delivery slips and co‑op account bills. The transaction date and amount should correspond to a recent purchase or a scheduled automatic payment. You can also contact your local Southern States store or the cooperative’s customer service through the contact details on southernstates.com, providing the transaction date and amount so they can locate it in their system. If you suspect an error or unauthorized debit, contact both Southern States and your bank promptly to dispute or reverse the transaction in accordance with your bank’s ACH dispute timelines.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Southern States Cooperative.

  1. SOUTHERN STATES ACH COLLEC
  2. SS Lexington

Frequently Asked Questions

Why does my bank statement show a charge from “SOUTHERN STATES ACH COLLEC”?

This description typically indicates an ACH (Automated Clearing House) debit initiated by Southern States Cooperative, often for a co‑op charge account payment, fuel delivery, or other store purchases that you authorized to be paid electronically. The “ACH COLLEC” suffix is added by banks to label the transaction as an electronic collection, not by Southern States directly.

What kinds of purchases at Southern States are commonly billed via ACH collections?

ACH collections are most often used for charge accounts, recurring fuel deliveries (propane, heating oil, diesel, or gasoline), large farm input purchases such as seed and fertilizer, and in some cases automated monthly payments on open account balances. Your local store or billing statement will indicate if you are set up for automatic ACH drafts.

How can I verify which Southern States invoice or delivery this ACH collection corresponds to?

Match the ACH amount and date on your bank statement to recent Southern States invoices, delivery tickets, or monthly co‑op statements. If you can’t find a match, call your local Southern States location or the customer service number listed on southernstates.com and provide the transaction date, amount, and last four digits of the account it was drawn from so they can look it up in their billing system.

How do I stop or change automatic ACH payments to Southern States Cooperative?

To cancel or modify automatic ACH drafts, contact the Southern States location or credit office that set up your payment authorization. They may require you to complete an updated ACH authorization form or written request. Also notify your bank if you wish to revoke authorization for future ACH pulls from Southern States on a specific account.

What should I do if I believe the Southern States ACH charge is incorrect or unauthorized?

First, contact Southern States immediately—either your local store or the customer service contact listed on your billing statement—to review your account and confirm whether a valid invoice was drafted. If you still believe the debit is in error or fraudulent, contact your bank right away to file an ACH dispute or return within their allowed time frame, and consider placing additional monitoring or holds on that account.

Can Southern States place temporary authorization holds on my account?

For ACH transactions, banks do not typically show separate “holds” the way card networks do, but you may see a pending ACH entry before it finalizes. For card payments processed at Southern States retail locations, your bank may display a temporary pending amount before the final sale posts. These usually resolve automatically within a few business days.

How can I obtain copies of past Southern States invoices related to ACH collections?

You can request copies of past invoices or statements directly from your local Southern States store or the cooperative’s credit/billing department. Provide your account number, approximate transaction date, and the ACH amount shown on your bank statement so they can quickly locate and email or mail you detailed documentation.

Does Southern States charge late fees or finance charges that might appear in an ACH collection?

If you have a co‑op charge account with Southern States, late fees or finance charges may be added in accordance with your credit agreement when balances are not paid by the due date. These charges can be included in the ACH draft total. Review your monthly statement for any finance charges and contact the credit office if you have questions about how they were calculated.

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