¹ Get $400 when you open a new Simply Right® Checking or Santander Select® Checking account (all $25 minimum opening deposit) account by 06/30/2025 and have direct deposits totaling $5,000 or more post to this account within the first 90 days. And get $300 when you open a new Santander® Money Market Savings or Santander Select® Money Market Savings account (all $25 minimum opening deposit) and have a minimum of $20,000 not already on deposit with Santander post at account opening and in the account for 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, savings, or money market savings customer of Santander or a previous Santander deposit account holder in the last 12 months prior or 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 checking account and one money market savings account will be eligible for the bonus. Offer cannot be combined with any other 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 accounts need to 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. All bonuses are considered interest and will be reported to the IRS on Form 1099-INT. As of 4/29/2025, the Annual Percentage Yield (APY) for Santander Select® Checking is 0.01%; the APY for Santander® Money Market Savings is 0.03% for balances of $0.01 - $9,999.99; 0.05% for balances of $10,000.00+; the APY for Santander Select® Money Market Savings is 0.10% for balances of $0.01 – $9,999.99; 3.60% for balances of $10,000 – $49,999.99; 3.60% for balances of $50,000+. To see rates in your location, visit santanderbank.com/selectrates. Rates may change at any time and after the account is opened. Fees may reduce earnings. 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.

Offer expires 6/30/2025. 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 $10 Monthly Fee for Simply Right® Checking 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. $25 Monthly Fee for Select® Checking is 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). 

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.

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.

⁴ In order to use the Santander Mobile Banking App for the first time, customers need to successfully complete the self-enrollment process, log in to the Mobile Banking App, and accept the Digital Banking Agreement and Electronic Communication Disclosure. Data connection required. Message and data rates may apply. 

Santander Bank, N.A., is a Member FDIC. ©2025 Santander Bank, N.A., All rights reserved. Santander, Santander Bank, the Flame Logo, Santander Select, and Simply Right are trademarks of Banco Santander, S.A., or its subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners.