Navigation Menu

Student Value

School schedules can get hectic, an on-the-go account can help. With a Student Value Checking account, you can save the fees for more coffees to keep you going.
A group of 3 friends hanging out in a lounge area and having coffee together

No Monthly Fee and no minimum balance requirement*

Designed with features to support students. Only available to students 14-25.

Account details

Age 18-25? Open an account online today.  Students age 14-17 can open their account with a legal guardian in-branch. 

Monthly Fee*

No Monthly Fee

Minimum balance

No minimum balance requirement

Reduced and no-fee benefits

  • Reduced cash withdrawal fee of $2 for domestic non-Santander ATM withdrawals
  • No fees for domestic and international incoming wire transfers

Account opening deposit

$10 minimum


This account is not interest bearing

Statement delivery options

  • $3 for paper statements
  • $0 for paperless statements

All the ways we help you bank better

Illustration of a man holding a black Santander card in one hand and his phone in the other

Convenience in the palm of your hand

Flexibility when you need it most

The trust you need to bank confidently

Start learning about personal finance

Advantages of your Debit Mastercard®

A Debit Mastercard® deducts money directly from your checking account. You can use it to withdraw cash and shop anywhere Mastercard is accepted

Deposit with Mobile Check Deposit
Just take a picture of your signed check while you’re on the go.
Santander Safety Net
Extra leeway goes a long way. Santander Safety Net waives overdraft fees for accounts overdrawn by $100 or less.¶¶

The financial foundation they need
Easy-to-digest guides to help your child learn the key concepts of building a strong financial foundation for the future.

Secure biometric authentication
Only you can unlock your information with Touch ID® and Face ID® for Apple and fingerprint for Android.††

Just tap and go
Conveniently make fast purchases with contactless payments. Just insert your card, swipe, or tap and go.

Manage your account
Make deposits, send money with Zelle®**, check balances and more, all from the Mobile Banking App.
Lower and fewer overdraft fees§§
We’ve lowered our overdraft fees from $35 to $15 and we’ve eliminated the Item Returned Fee. You won't be charged a Paid Item Fee more than 3 times per Business Day.
Personalized learning plan
Answer a few questions to receive a personalized learning plan for your child or select the topics you want them to learn about.
Digital Banking Guarantee‡‡
Shop online, in-store, or make bill payments with Santander PROTECHTION by your side.
Shop securely
Shop online, in-store, or make bill payments with Santander PROTECHTION by your side.
Control over your cards
Create or update your PIN, update contact information, and report a lost or stolen card.
No Overdraft Protection Transfer Fee§§
You won’t be charged Overdraft Protection Transfer Fees, so you can cover any overdrafts that happen before a fee gets assessed.
Wealth of information
Explore the courses together. We have financial topics for every age, like building financial capability, paying for college, and more.
Fraud protection
For digital security, our firewalls protect all your information stored in our database.
Works like cash
Use your card like cash with no interest or late payments.

Bank anywhere, anytime

Manage your account whenever and wherever you want with our Mobile Banking App.

Download our
Mobile Banking App

Unlock on-the-go features with our highly-rated Mobile Banking App.

Enroll in Santander
Online Banking

Manage your money securely by enrolling in Online Banking.

Responsive Image

4.7 out of 5 Rating. Based on 320k ratings on the app store as of 4/25/2023

Smartphone display of the Santander Mobile banking login screen
Calendar icon
Book an appointment at a branch near you
Talk to one of our experienced Bankers about opening a new account or get help with your existing accounts.
A female banker sharing pages from a file to a male client in her office

FAQs: Checking

In order to open an account online, you will need a social security number, a valid email address, and an initial deposit. To open an account in a branch, you will need two forms of Identification, including a Primary ID — which is a valid, government-issued photo ID (Driver’s License, Passport, State or Military ID), AND a Secondary ID — some examples include bank-issued ATM or debit cards, major credit cards, utility bills and birth certificates. You’ll also need your Social Security Number (Non-Residents can still apply without a SSN or can use their Individual Tax Reporting Number if they have one), a valid address and phone number, and an initial deposit.

Support resources: Checking Accounts

We’ll guide you on your financial journey.

Illustration of a man sitting at his desk reviewing his finances using the Santander Mobile Banking App

Santander Mobile Banking App

Learn more about getting started with our highly-rated Mobile Banking App.

Read more

Direct Deposit

Learn more about how direct deposit works, and how to set up deposits directly to your checking account.

Read more

Getting Started with Online Banking

If you haven’t enrolled yet, read this easy step-by-step guide to get started.

Read more

Find Us
Branches across the Northeast and in Miami, Florida, plus 2,000+ ATMs.

Are you a Santander Client

Log in to Online Banking for a more seamless experience.

*Other fees may apply, including a Paper Statement Fee if you do not elect to go Paperless in Online or Mobile Banking. Refer to the Personal Deposit Product Guide and Fee Schedule for more details.

Account is available to students 14-25 years of age (legal guardian co owner required for those between 14-18 years). Once you reach 26, we may convert your Student Value Checking to another checking product.

Domestic ATMs are ATMs in the 50 United States, the District of Columbia, and Puerto Rico. Other ATM fees may apply. Please refer to the Personal Deposit Product Guide and Fee Schedule for more details. ATM owner may charge a separate fee.

Please refer to your Digital Banking Agreement and Personal Deposit Account Agreement for details on your responsibility for promptly reporting unauthorized transactions.

**U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

††If you share your device with other individuals, please note any fingerprints or face image stored on your device may be used to log in to the Santander Mobile Banking App and access your account.

‡‡Digital Banking Guarantee: When you use Online Banking, we guarantee that your money is protected against online fraud or losses and that your bills will be paid on time. You are protected against unauthorized online transactions as long as you check your statement and promptly notify us of any unauthorized activity. Refer to your Digital Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions, as well as a list of supported mobile devices.

§§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.

¶¶We limit withdrawals and transfers out of your savings and money market savings accounts. You can withdraw or transfer funds from a savings or money market savings account a total of six (6) times per Service Fee Period (such as by automatic or pre-authorized transfers using telephone, online banking, mobile banking, overdraft protection, payments to third parties, wire transfers, checks, and drafts). If you repeatedly exceed these limits, we may close or convert your account to a checking account, which may be a non-interest-bearing checking account.

Apple, the Apple logo, Apple Pay and Touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.