¹ Get $400 when you open a new Santander® Private Client Checking, Santander Select^® Checking, Simply Right^® Checking, or Santander® Essential Checking account (with applicable minimum opening deposit) by 12/18/2026, have a minimum of one direct deposit, and maintain average daily balance of at least $5,000 over first 90 days. The 90-day period begins the day of account opening, unless the account is opened on a weekend or holiday, in which case the period begins on the first business day after account opening. Offer is transferable until redeemed by the addressee and we reserve the right, in our sole discretion, to limit the number of times this Promotion Code may be used. Your Promotion Code must be entered at new account opening to be eligible for this offer, and cannot later be added to an account, or changed, unless it is presented and applied within 14 days of account opening. You must be 18 years or older. Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening. If multiple accounts are opened with the same signer, or maintained with the same ownership as of the date the bonus is payable, only one account will be eligible for the bonus. Offer cannot be combined with any other checking bonus offers. Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, PA, or select areas in Florida: Miami-Dade, Monroe, Broward counties, and Collier county ZIP code 34141. Offer is subject to change at any time. The account must be open for at least 90 days and remain open in an eligible account type until payment of bonus, which will occur within 30 days thereafter. In addition, the account must be open and in good standing at time of bonus payment. The bonus is considered interest and will be reported to the IRS on Form 1099-INT. If multiple accounts are opened with the same signer, or maintained with the same ownership as of the date the bonus is payable, only one account will be eligible for the bonus. As of 6/01/2026, the Annual Percentage Yield (APY) for Santander® Private Client Checking is 0.03% and Santander Select^® Checking is 0.01%. Rates may change at any time and after the account is opened. Fees may reduce earnings.

Offer expires 12/18/2026. This offer is subject to change at any time. Offer is only valid with use of a Promotion Code. Promotion of this offer may end at any time. 

² Qualifying Direct Deposits include your paycheck, pension, government benefits (such as Social Security), or other eligible regular monthly income from your employer or the government electronically deposited to your checking account. Direct Deposits do not include teller deposits, wire transfers, debit card transfers, ATM, Online and Mobile Banking transfers or deposits, person-to-person transfers (such as Zelle or Venmo), or a merchant advancing payroll using a debit card.

³ If a transaction causes your account’s balance to be overdrawn by one hundred dollars ($100) or less, we will not assess any Insufficient – Item Paid fee(s) for that item. The amount of the Insufficient Funds – Item Paid Fee, and Sustained Overdraft Fee, is $15. A Sustained Overdraft Fee applies to accounts overdrawn by any amount (negative balance) for five (5) consecutive Business Days when the overdrawn balance at the end of the first day is more than $100, and is assessed to the account on the sixth (6th) Business Day. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn for an extended period of time or the overdrawn amount is excessive. Any overdrafts that we pay must be promptly repaid by you.

⁴ $10 Monthly Fee is waived when you make any financial transaction that posts during the calendar month. Includes deposits, withdrawals, transfers, or payments. Excludes fees, rebates, or adjustments posted by Santander. Additionally, the Monthly Fee is waived if any owner on the account is under 26 years of age.

⁵ Monthly Fee waived when you maintain a minimum combined balance of $25,000 in bank deposits (consumer and certain business products) and eligible investments held with Santander Investment Services. 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 Pershing LLC or National Financial Services LLC; Insurance products (With the exception of certain annuities held directly with a product sponsor).

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.

⁶ ATM owner may charge a separate fee. 

⁷ Rating by Apple® App Store customers 4.7 out of 5 Rating. Based on 416k ratings on the app store as of  6/1/2026. 

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