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Santander checking accounts

Whether you’re just starting out or growing financially, we can help with easy-to-use checking accounts that keep up with you.

Santander Select® Checking

Get rewarded for your banking relationship with access to better benefits, discounts, and services that fuel your financial success and help provide a path to reach your goals.

Simply Right® Checking

A simple checking account with an easy-to-waive
Monthly Fee.

Santander® Essential Checking

When all you need are just the essentials with no surprises and the predictability you want with a low Monthly Fee.

Private Client credit card
Looking for an elevated banking experience with unique privileges and  exclusive rates and benefits? Explore Santander® Private Client.

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Debit Card
Santander Select World Debit Mastercard®
Santander Debit
Santander Debit Mastercard®
Monthly Fee*
How to waive the Monthly Fee*
Maintain a minimum combined balance of $25,000 in bank deposits (consumer and certain business products) and eligible investments§ held with Santander Investment Services.
Simply use the account each month. Any transaction1 (deposit, withdrawal, transfer, or payment) posted to the account. Additionally, the Monthly Fee is waived if any owner on the account is under 26 years of age. 
The Monthly Fee is waived if any owner on the account is under 26 years of age or 65 years of age or over.
Interest earning?
Minimum opening
ATM withdrawal fee (domestic non-Santander ATM)2
$2 if any owner on the account is under 26 years of age
$2 if any owner on the account is under 26 years of age
Free Paperless
Paper Statement Fee
Mobile Banking and Online Banking?
Savings accounts
Access to Santander Select® Money Market Savings.
Account waives Monthly Fee on Santander® Savings and Santander® Money Market Savings.
Account waives Monthly Fee on Santander® Savings and Santander® Money Market Savings.
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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.

4.7 out of 5 Rating. Based on 343k ratings on the app store as of 1/24/2024.
4.7 red stars rating

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Enroll in Santander
Online Banking

Manage your money securely by enrolling in Online Banking.

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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.
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Are you a Santander Client

Log in to Online Banking for a more seamless experience.

FAQs: Checking

In order to open an account online you will need a social security number, a US  residential address (not a PO box), Funding account (routing & account number). 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.

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Santander Mobile Banking App

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

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Direct Deposit

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

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Getting Started with Online Banking

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

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

*Per service fee period.

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 National Financial Services LLC; Insurance Products (with the exception of certain annuities held directly with a product sponsor).

1Excludes fees, rebates, or adjustments posted by Santander.

2Domestic ATMs are ATMs in the 50 United States, the District of Columbia, and Puerto Rico. ATM owner may charge a separate fee.

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.