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These guidelines can help you determine whether Basic Business Checking is the right fit for you.
Simple Solution
Your organization needs a reliable, simple business checking account.
Your organization needs a reliable, simple business checking account.
Low Balances Transactions
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Your balances and transaction levels are fairly low.

Home Business
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You need a basic checking option for your home-based business.

How Basic Business Checking Compares


Whatever you need, we’ve got a checking account that makes sense for your business. Plus, every account offers the added convenience of Online and Mobile Business Banking and a Santander® Business Debit Mastercard®. Explore your options using this comparison chart.
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Basic Business Checking

man with dolly in warehouse
Business Checking
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Business Checking Plus
Summary 
Our no frills, lowest-cost business checking option
 

An ideal everyday business checking solution

A premium account for businesses seeking the rewards of a larger banking relationship
Best Choice 
If You Have 
  • Low transaction volumes
  • Low average monthly balances
  • Low to moderate transaction volumes and monthly balances
  • A need for multiple ways to waive your Monthly Fee
  • High transaction volumes and multiple checking accounts
  • Need for cash management services such as ACH or Wires
Transactions 
Included Per 
Month 
50*, then $0.60 per transaction
300*, then $0.60 per transaction
750*, then $0.60 per transaction
Monthly Fee 
$7.50
$15
$50
Ways to 
Waive  Monthly Fee 
  • Maintain $1,500 average daily checking balance
  • Maintain $5,000 average daily checking balance OR
  • $10,000 in combined business deposit balances OR
  • Receive one or more Santander Merchant Services payments in your account within the service fee period OR
  • Incur $50 or more in cash management service fees within the service fee period OR
  • Have 3 or more purchases using a Santander Business Debit Mastercard post into your account within the service fee period
  • Maintain $40,000 average daily checking balance OR
  • $60,000 in combined business deposit account balances OR
  • Receive one or more Santander Merchant Services payments in your account within the service fee period  OR
  • Incur $50 or more in cash management service fees within the service fee period
Free
Checks ?
25% off first check order
25% off first check order
First Check order Free - Up to $100 in value

Check out some of the ways our low-cost business checking account can work for you.

Ways to Waive Fee
Your organization needs a reliable, simple business checking account.
Low Monthly Fee, waived with an average daily balance of $1,500.
Free Transactions
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50 basic transactions included each month.1
Waived Fees
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No fee for cash deposit processing up to $7,500 per service fee period. 2

Discover additional services that may benefit your business.

Lending Options
Merchant Services
Money Market Savings

1Basic transactions include checks paid, teller deposits, ATM deposits, Money Center deposits, deposited Items, and ACH items (electronic debits and credits not originated by customer). Santander Merchant Services (credit and debit card payment processing) and Santander Payroll Services ACH debit items are not included. Business Checking, Business Interest Checking, Basic Business Checking and Business Checking Plus basic transaction limits also include Santander Check Deposit Link batch deposits, Santander Check Deposit Link items processed, and Santander Check Deposit Link ACH converted transactions. Service Fee Period means the period beginning on the day regular service fees, such as monthly fees, are posted to your Account and ends on the day before service fees are next posted to your Account. This may not always be a calendar month.

2The amount of cash deposit processing included in your account is up to $7,500 per service fee period. Once your total deposit exceeds $7,500 there is a $0.27 charge per $100 of deposits, unless Express Cash Pack® service is used then the charge is $0.22 per $100 of deposits.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © 2021 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are registered trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. The MasterCard Brand Mark is a registered trademark of MasterCard International Incorporated. Quicken and QuickBooks, are trademarks of Intuit Inc., or one of its subsidiaries, in the United States and other countries. All other trademarks are the property of their respective owners.

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