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Santander® Private Client Checking

Enjoy our highest level of benefits and services.

Eligibility for a 
Santander Private Client 
Checking account

Client must maintain a minimum combined balance of at least $250,000.1

This combined balance includes consumer and certain business deposit products, and eligible investments held with Santander Investment Services.2

Santander Private Client Checking Benefits

Private Client
Checking Benefits

Priority services

  • Dedicated customer service line
  • Day-to-day banking needs fully managed by a relationship banker
  • An on-demand team of financial specialists to provide support and guidance
Santander Private Client Checking Benefits

Exclusive discounts

  • Rate discounts on eligible consumer loans with automatic payment from any Santander Private Client Checking
  • No charge for Santander Private Client style or Santander Wallet Exclusive checks, or a 50% discount on alternate


  • No Monthly Fee
  • No fees for incoming wire transfers and  domestic outgoing wire transfers
  • No fee for money orders or official bank checks
  • Unlimited ATM Surcharge Fee rebates for ATM fees charged by other institutions when using non-Santander ATMs

For additional details, please refer to the Santander
Private Client Fee Schedule

Exceptional benefits
Exceptional benefits

Exceptional benefits
unrestrained by borders

Your new Santander Private Client World Debit Mastercard® comes with:


  • Manage and access your money anywhere, any time. Use your card for everyday purchases online, in person, or through your digital wallet using Apple Pay®

Travel Benefits

  • Premium travel benefits with Mastercard Concierge Services, Travel Protection3 and Priority Pass Membership#, the world’s leading airport lounge program


  • Zero Liability4 for unauthorized purchases, Extended Warranty, Purchase Assurance, and Satisfaction Guarantee
  • Instant Card Hold5 using the Mobile Banking App to turn your card off, if and when you need it


For additional details, please refer to the Santander
Private Client Fee Schedule

  • Unlimited ATM surcharge fee rebates
  • No foreign transaction fees for purchases and ATM withdrawals
  • No fee for expedited replacement debit Mastercard

Frequently asked questions

 You can open a Santander® Private Client Checking Account by visiting any Santander branch today or by applying online today.

Becoming a Santander
Private Client

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Apply online

Open a Santander Private Client
Checking account now.

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Find a branch

Learn more in person at your local
Santander branch.

Clients must maintain combined balances of $250,0001 in bank deposits; including consumer and certain business deposit products, and eligible investments held with Santander Investment Services.2

For additional details, please refer to the Santander Private Client Fee Schedule and our Personal Deposit Account Agreement.

1. Program Eligibility: Each service fee period, you are required to maintain a minimum combined balance of $250,000 in bank deposits (consumer and certain business products*) and eligible investments** held with Santander Investment Services. If you do not maintain the minimum combined balance, we reserve the right to change your Private Client accounts to other applicable product types, for which you may be charged the Monthly Fee. If we do so, we will notify you.

*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).

2. 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.

3. See Guide to Benefits that comes with your card.

# With Priority Pass Membership, there is an entry fee per lounge visit.

4. You must properly safeguard your PIN and promptly notify us of any unauthorized transactions. Please refer to Your Liability for Unauthorized Transfers section in your Personal Deposit Account Agreement.

5. Santander® Instant Card Hold will block most types of transactions, including purchases made with your card. Please note that some types of transactions will continue to process, including recurring debit/credit transactions presented to us by certain merchants for monthly membership or subscription fees.


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, the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. Mastercard is a registered trademark of Mastercard International, Inc. All other trademarks are the property of their respective owners.