Business Checking that just works.


Business Checking

With helpful tools to help manage cash flow and simplify payments, online business checking capabilities, and multiple ways to waive the Monthly Fee, it’s no wonder that Business Checking is our most economical account. Find out why it’s become an essential banking solution for tens of thousands of business owners.

Useful Links and Documents
Business Deposit Account Fee Schedule
Business Deposit Account Agreement


Business Checking Monthly Fee

Your $15 Monthly Fee is waived if you do any one of the following1:

  • • Maintain a $5,000 average daily balance in your business checking account OR
  • • Have $10,000 or more in average daily balances across your business deposit accounts OR
  • • Make three Santander® Business Debit Mastercard® purchases OR
  • • Receive one or more Santander® Merchant Services payments into your account OR
  • • Pay $50 or more in Account Analysis fees

Is It Right for Your Business?

These guidelines can help you determine whether Business Checking is the right fit for you.

low balance transaction icon

You have low transaction volumes and want a simple business checking account that supports your daily banking needs.

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Your business needs a checking account that can evolve as you grow.

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You want the flexibility of multiple ways to waive the Monthly Fee.

How Business Checking Compares

Whatever you need, we’ve got a checking account that makes sense for your business. Plus, every account offers the added convenience of Business Online Business and Mobile Business Banking and a Santander® Business Debit Mastercard®. Explore your options using this comparison chart.


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Basic Business Checking
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Business Checking
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Business Checking Plus
Summary Our no frills, lowest-cost business checking option An ideal everyday business checking solution A premium account for businesses seeking the rewards of a larger banking relationship
Best Choice
If You Have
  • Low transaction volumes
  • Low average monthly balances
  • Low to moderate transaction volumes and monthly balances
  • A need for multiple ways to waive your Monthly Fee
  • High transaction volumes and multiple checking accounts
  • Need for cash management services such as ACH or Wires
Included Per
50*, then $0.60 per transaction 300*, then $0.60 per transaction 750*, then $0.60 per transaction
Monthly Fee $7.50 $15 $50
Ways to
Monthly Fee
  • Maintain $1,500 average daily checking balance
  • Maintain $5,000 average daily checking balance OR
  • $10,000 in combined business deposit balances OR
  • Receive one or more Santander Merchant Services payments in your account within the statement period OR
  • Incur $50 or more in cash management service fees within the statement period OR
  • Make 3 debit card purchases with your Santander Business Debit MasterCard within the statement period
  • Maintain $40,000 average daily checking balance OR
  • $60,000 in combined business deposit account balances OR
  • Receive one or more Santander Merchant Services payments in your account within the statement period within the statement period OR
  • Incur $50 or more in cash management service fees within the statement period
25% off first check order 25% off first check order First Check order Free - Up to $100 in value

Business Checking Account Benefits

Business Checking offers many features that make your banking simpler and cost-effective:

300 basic transaction icon

Enjoy up to 300 basic transactions included with your account, per month.2

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Receive up to $10,000 in cash deposit processing (included with your account,) each month.2

Meet Your Business Banking Specialists
Santander's knowledgeable business bankers are ready to help you choose the right banking solutions for your business. Contact us today.

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Serving Business with x qualifications



Get in touch

Additional Accounts

Discover additional services that may benefit your business.

1*With Santander business checking accounts, you can avoid Monthly Fees by maintaining the indicated amount in average daily balance(s) or by completing any qualifying activity required for fee waiver during the statement period – excludes Commercial Money Market accounts. Account Analysis service fees are charged to your account in the current month for the prior calendar month’s activity and include but are not limited to fees for advanced payments and receivables services, some business online banking services, excess account activity, and cash/coin processing. The period that your Account Analysis statement represents may differ from your account statement period.

2Basic transactions include checks paid, teller deposits, ATM deposits, deposited items, and ACH items (electronic debits and credits not originated by customer, Santander® Check Deposit Link batch deposits, Santander® Check Deposit Link items processed, and Santander® Check Deposit Link ACH converted transactions). Santander Merchant Services (credit and debit card payment processing), Santander Payroll & HR Services, and ACH debit items are not included. For Business Checking the number of basic transactions included in your account is up to 300, then the charge is $0.60 each per transaction per month.  The amount of cash deposit processing included in your account is up to $10,000 per month.  Once your total monthly deposit exceeds $10,000 there is a $0.27 per $100 charge, unless Express Cash Pack® service is used then the charge is $0.22 per $100 deposit.

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 and the Flame Logo are registered trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. The MasterCard Brand Mark is a registered trademark of MasterCard International Incorporated. Quicken and QuickBooks, are trademarks of Intuit Inc., or one of its subsidiaries, in the United States and other countries. All other trademarks are the property of their respective owners.

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