
Apply for a Business Checking Account Online | Santander Bank - Santander

Business Checking Accounts
Keep the focus on your business with a checking account designed for your everyday needs and ready to support every stage of growth. Whether you’re ramping up, already established, or preparing to take your business to the next level, you can choose the checking account that maximizes the momentum of your business.
Useful Links and Documents
Business Deposit Account Fee Schedule
Business Deposit Account Agreement
Business Checking Account Highlights
We offer a wealth of convenient options, designed to help your business.



Our Business Checking Accounts
We’ve got a checking account to meet the banking needs of your business. Plus, each account offers the added convenience of Business Online and Mobile Banking and a Santander Business Debit Mastercard. Explore your business checking account options using this comparison chart.


- 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
- 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
First Check order Free - Up to $100 in value |
New Requirements for Opening a Checking Account.
To assist in the fight against financial crime, the U.S. Department of Treasury requires banks to now collect and verify certain information during the account opening process.
Ready to open up a checking account? You will need this information with you.

Business Information Required
- Legal documentation for your Business with:
- Business tax ID
- Business address
- The date your Business was established
- If your Business information does not match your legal documentation, you will need the following:
- First page of another bank statement
- Utility bill
- Current lease agreement
Individual/Owner Information Required
- The following information for all owners of the business and any individual with significant responsibility (President, CFO, Managing Partner, etc.):
- Name
- Date of birth
- Home address
- Social Security number(or corresponding ID for non-U.S. Citizens)
- Photo ID for any signer
Additional Accounts
Discover additional services that may benefit your business.

Analyzed Checking
A smart choice for businesses with large balances and complex cash management needs.

Specialty Accounts
Improve efficiency and meet specialized business requirements with these convenient options.
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.
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