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Focused on what matters: your business. Image of man pointing at whiteboard.
 
Icon of a check. Business Checking Accounts $500 cash bonus for opening a new eligible account.
Operate your business at peak efficiency.
Every business has unique cash management needs—we’ll help you find the checking account that best fits your profile.

Our most popular Santander business checking accounts:

Business Checking —
Perfect if your business has moderate transaction volumes. Provides everything you need for everyday banking

Business Checking Plus —
Ideal if your business has higher transaction volumes and if you’re looking for additional flexibility

Plus, both accounts offer simple ways to waive the monthly fee.4
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Icon of money. Small Business Line of Credit. Intro variable rates as low as Prime minus 100% for the first 12 months.
Prepare for what’s ahead with the right financing.
From managing accounts receivables to paying off high-interest business credit card balances, a line of credit is a flexible working source of capital for your needs.

Benefits of a Santander Small Business Line of Credit:

A simple application process for unsecured lines of credit up to $150,000—get a credit decision as soon as the next business day5

No financial statements or pledged collateral required at the time of qualified application5 on unsecured lines of credit up to $150,000

We’ll waive the $250 origination fee if you have a Business Checking or Business Checking Plus account6

Lines of credit up to $750,000 available
Ask us about these limited-time offers today, including a $250 bonus for opening and using a Santander Merchant Services account.7
 
 
 
Click below to ask about a Santander business checking account, a Santander Small Business Line of Credit, or Santander Merchant Services account, and one of our business banking representatives will follow up with you.
 
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1 To receive a $500 cash bonus, your business must not currently have, nor have had, any business checking account with Santander Bank, N.A. (“Santander Bank”) in the last 12 months, and your business must do all of the following: (i) Open a new Business Checking or new Business Checking Plus account by 10/14/17 and keep it open for 90 days; (ii) Maintain an average daily ledger balance of $2,000 or more for the first 90 days, starting the first business day after account opening. Offer is transferable until redeemed by the addressee in the corresponding letter and we reserve the right, in our sole discretion, to limit the number of times the Promotion Code provided in the corresponding letter may be used. Your Promotion Code must be entered at new account opening to be eligible for this offer. The business checking account must be open and in good standing to receive the $500 cash bonus at the time of bonus payment. You will receive a $500 cash bonus in your new Santander checking account within 30 days of meeting all offer requirements. We will reserve the right to decline to open an account in our sole and absolute discretion. We will report the $500 bonus to the IRS as interest for the year in which it is received. One $500 cash bonus per business entity as identified by Taxpayer Identification Number (TIN).

2 Small business financing products are available to qualified applicants, subject to underwriting and credit rules, policies, and guidelines of Santander Bank. Credit decisions are made by Santander Bank in its sole discretion and subject to change at any time without notice. Offer excludes businesses whose approved applications require a guarantee from the U.S. Small Business Administration. Offer does not apply to existing Santander Lines of Credit and current Santander Bank credit transactions. To apply for this offer, applicants must submit a signed and completed application and any other information requested by Santander Bank by 10/14/17.

3For a limited time, on Small Business Lines of Credit (“BLOC”) between $10,000 and $750,000, pre-selected, qualified, and approved applicants are eligible to receive an introductory variable interest rate for 12 months following the BLOC closing of either Prime Rate minus 1.00% or Prime Rate plus 1.00%, depending on creditworthiness and other factors as determined by Santander Bank in its sole discretion. “Prime” or “Prime Rate” means a variable per annum rate of interest selected by Santander Bank in its sole discretion from time to time, and is subject to change without notice. The Prime Rate is 4.25% as of 07/19/17. On the first-year anniversary of the BLOC closing, the interest rate will convert to a variable rate between Prime Rate plus 0.50% and Prime Rate plus 8.00%, as determined and disclosed to you by Santander Bank at the BLOC closing. To qualify for one of the 12-month introductory rates, an approved business applicant must: (i) Either have, or open at time of BLOC closing, a Business Checking or Business Checking Plus account, and (ii) have, or sign up to begin upon BLOC closing, automatic pre-authorized electronic payment (ePay) transfers from that business checking account as payments for the BLOC. The applicable rate, including, but not limited to, any introductory rate, is at all times subject to the terms and conditions of the loan documents. If the Prime Rate is less than zero, it shall be deemed to be zero. For qualified applicants, Santander Bank will waive the one-time initiation fee of $250. Offer expires 10/14/17.

PRE-SELECTION NOTICE: This pre-selected offer of credit is based on information that your business meets certain criteria. This offer is not guaranteed if your business does not now meet, or does not continue to meet, our criteria. Credit may not be granted if your business no longer meets the selection criteria we used to make this offer. To be approved for credit, your business must also meet the following conditions at the time of application: (1) Your business must validly exist and be in good standing with its state of incorporation and all states in which it does business; and (2) all authorized business representatives must execute and deliver any and all required documentation in connection with the business line of credit. This offer is for a new small business line of credit up to a maximum amount of $750,000 in the name of the business identified in corresponding letter, may only be accepted by that business, and is nontransferable. Higher business line of credit amounts may be available to those businesses who meet our established credit standards, which may change from time to time in Santander Bank’s sole discretion without prior notice. If approved, the minimum amount we would lend your business is $10,000. This credit offer expires 10/14/17. The offer in the corresponding letter is not available in connection with any Santander Bank loan applied for prior to the date of the corresponding letter. Prior applications may not be canceled and reapplied for under the terms of this offer.

4 A payment received from Santander Merchant Services during the statement cycle to a Business Checking or Business Checking Plus account will waive the monthly fee for that checking account. For other ways to avoid the monthly fee, refer to the Business Deposit Account Fee Schedule.

5 For qualified businesses applying for unsecured credit between $10,000 and $150,000, next-business-day credit decisions will be available and financial statements or pledged collateral will not be required at time of application unless: (1) your business is a not-for-profit organization; or (2) your business’s existing Santander Bank business credit exposure at time of loan application, in addition to the loan application request amount, exceeds or will exceed $150,000; or (3) your business’s existing Santander Bank business credit exposure at time of loan application, in addition to the loan application request amount, is more than 10% of your business’s most recent annual sales; or (4) your business is applying for a commercial real estate loan. Other restrictions or conditions may also apply.

6 For approved business applicants, between 07/01/17 and 10/14/17, Santander Bank will waive the one-time origination fee of $250 on a new BLOC between $10,000 and $750,000, if the approved applicant either has, or opens at time of BLOC closing, a Business Checking or Business Checking Plus account. Additional fees, terms, and conditions may apply.

7 To receive the $250 merchant bonus, your business must not currently have, nor have had, any Santander Merchant Services account in the last 12 months, and your business must do all of the following: (i) Open a new merchant processing account with Santander Merchant Services, powered by First Data, by 10/14/17 and keep it open for 90 days; (ii) Link your new Santander Merchant Services processing account to your Santander business checking account; (iii) Receive 2 or more Santander Merchant Services payments into your Santander business checking account within 90 days. You will receive a $250 bonus in your linked Santander business checking account within 30 days of meeting all offer requirements. One $250 cash incentive per business entity as identified by Taxpayer Identification Number (TIN). Santander Merchant Services are provided by First Data Merchant Services. Certain restrictions apply. Merchant account is subject to credit approval by First Data Merchant Services and requires merchant acceptance of applicable terms and conditions. Additional merchant locations with the same TIN are ineligible for the stated offer. Other fees may apply.

Equal housing logo Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2017 Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo 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. Santander Bank is not affiliated with First Data Merchant Services or any of its affiliates. Santander Bank is used under license by First Data Corporation.