Santander checking accounts
Support resources: Checking Accounts
Eligible business products include Business Checking, Savings, Money Market Savings, and Certificates of Deposit accounts, but exclude the following accounts: IOLTA, Bankruptcy, Brokered Deposits, Controlled Disbursement, Escrow, Government, and Union accounts.
Eligible investments held with Santander Investment Services do not include the following: Annuities held at Mass Mutual, Allstate, Phoenix, Ohio National; Immediate Annuities or Annuities that have become annuitized; Mutual funds and 529 products not custodied by National Financial Services LLC; Insurance Products (with the exception of certain annuities held directly with a product sponsor).
Excludes fees, rebates, or adjustments posted by Santander.
Domestic ATMs are ATMs in the 50 United States, the District of Columbia, and Puerto Rico. ATM owner may charge a separate fee.
Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. Santander Investment Services is an affiliate of Santander Bank, N.A.
Santander Select® Checking
- Monthly Fee
$25 Monthly Fee, waived with a minimum combined balance of $25,000* - Account opening
deposit $25 minimum - Minimum balance
No minimum balance required - Interest
This account is interest bearing - Debit card† and ATM fees‡
No fee to use your Santander Select® World Debit Mastercard® at more than 30,000 Santander ATMs globally
Get up to $30 rebated per service fee period for ATM surcharge fees charged by other institutions at non-Santander ATMs
No international transaction fee for debit card purchases and ATM withdrawals
No fee for expedited replacement card (lost, fraud, reissue) - Statement delivery options
$0 for paperless statements
$0 per paper statements
Santander® Essential Checking
- When all you need are the essentials without surprises like unexpected overdrafts1, Essential Checking offers predictability and a low Monthly Fee.
- Bank better with no overdrafts or overdraft fees1
- Monthly Fee2
$4 Monthly Fee, waived if any owner on the account is under age 26 or 65 years of age or over. - Account opening deposit
$10 minimum. - Minimum balance
No minimum balance requirement. - Statement delivery options
Reduced Paper Statement Fee of $2 per statement.
$0 for paperless statements.
Certified low-fee account
Santander Essential Checking has been certified by Bank On as a low-cost, low-fee checking account. - Manage your account
Manage your account Make deposits, send money with Zelle®
4, check balances and more, all from the Mobile Banking App.
Santander® Private Client.
Looking for an elevated banking experience with unique privileges and exclusive rates and benefits? Explore
Compare Santander Checking Accounts
| ** | Account | Santander Select® Checking | Simply Right® Checking | Santander® Essential Checking | Closing Balance |
|---|---|---|---|---|---|
| 1 | Debit Card | Santander Select World Debit Mastercard® | Santander Debit Mastercard® | Santander Debit Mastercard® | $0.00 |
| 2 | Monthly Fee* | $25 | $105 | $4 | $0.00 |
| 3 | How to waive the Monthly Fee* | Maintain a minimum combined balance of $25,000 in bank deposits (consumer and certain business products‡) and eligible investments§ held with Santander Investment Services. | Simply use the account each month. Any transaction1 (deposit, withdrawal, transfer, or payment) posted to the account. Additionally, the Monthly Fee is waived if any owner on the account is under 26 years of age. | The Monthly Fee is waived if any owner on the account is under 26 years of age or 65 years of age or over. | $0.00 |
| 4 | Interest earning? | Yes | No | No | $0.00 |
| 5 | Minimum opening deposit | $25 | $105 | $4 | $0.00 |
| 6 | ATM withdrawal fee (domestic no -Santander ATM)2 | $0 | $3 $2 if any owner on the account is under 26 years of age |
$2.50 $2 if any owner on the account is under 26 years of age |
$0.00 |
| 7 | Free Paperless Statements? | Yes | Yes | Yes | $0.00 |
| 8 | Paper Statement Fee | $0 | $3 | $0 | $0.00 |
| 9 | Mobile Banking and Online Banking? | Yes | Yes | Yes | $0.00 |
| 10 | Savings accounts benefits | Access to Santander Select® Money Market Savings. | Account waives Monthly Fee on Santander® Savings and Santander® Money Market Savings. | Account waives Monthly Fee on Santander® Savings and Santander® Money Market Savings. | $0.00 |