our business checking accounts mean business

Business Checking Account Highlights

We offer a wealth of convenient options, designed to help your business. 

A range of features to match your business volume and activity.
Ways to waive your Monthly Fee, on every type of business checking account.
Discounts for growing your relationship with us.

Our Business Checking Accounts

We’ve got a checking account to meet the banking needs of your business. Plus, every account offers the added convenience of online banking and a Santander® Business Debit Mastercard®. Explore your business checking account options using this comparison chart. 

basic desk and chair
Basic Business Checking
man with dolly in warehouse
Business Checking
Our no frills, lowest-cost business checking option
An ideal everyday business checking solution
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
Included Per Month
50*, then $0.60 per transaction
300*, then $0.60 per transaction
Monthly Fee
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
Free Checks?
25% off first check order
25% off first check order

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
Specialty Accounts
Payments and Processing

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.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©   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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