Compare Checking Accounts

Banking should be easy, convenient, and tailored to your personal and financial needs. That’s why we offer several distinct types of checking accounts with a range of key benefits and features.

What Are the Different Types of Checking Accounts?

Whether you’re looking for a checking account with no Monthly Fee or an easy-to-waive Monthly Fee, no minimum balance, or if you’d like personalized service from a dedicated banker, our checking account types were designed with your unique needs in mind. In addition to the features below, each Santander Bank checking account offers mobile banking, easy access to thousands of ATMs, and a savings account benefit.

 

 
 
 
 

Compare Checking Account Features

Use the table to compare checking accounts and find the one that’s right for you.

Click here for a printable version.

  Student Value
Checking
Santander® Basic
Checking
Simply Right®
Checking
Santander® Premier Plus
Checking
For you if you want? No Monthly Fee Predictable Monthly Fee Easy to waive Monthly Fee Banking Relationship waives the Monthly Fee
Key Benefits No Monthly Fee, no monthly balance requirements and mobile and online tools that help students to manage their money are available Account with a predictable Monthly Fee No minimum balance To avoid the Monthly Fee simply make one transaction - a deposit, withdrawal, transfer or payment - posted during the calendar month A Personal Banker and suite of services and benefits for those with combined balances of $75,000 or more in deposits and investments and/or $6,000 in direct deposits
Monthly Fee $0 $3 $10 $35
How to Waive the
Monthly Fee
No Monthly Fee Cannot be waived By making at least one financial transaction (deposit, withdrawal, transfer, or payment) during the calendar month By maintaining $75,000 in combined balances in deposits and investments held with Santander Investment Services or $6,000 in total monthly direct deposits
Interest Earning No No No Yes
Minimum Opening Deposit $10 $25 $25 $50
Statement Delivery Options (per statement) Free Paperless
Statements with
Online Banking or $3 per paper statement
Free Paperless
Statements with
Online Banking or $3 per paper statement
Free Paperless
Statements with
Online Banking or $3 per paper statement
Free Paperless
Statements with
Online Banking or paper statement
Cash Withdrawal Fee: Domestic Non-Santander ATM3 $2 $3 $3 $0
Savings Account Benefit This account waives
the Monthly Fee for
Santander® Savings1 or Santander® Money Market Savings2
This account waives
the Monthly Fee for
Santander® Savings1 or Santander® Money Market Savings2
This account waives
the Monthly Fee for
Santander® Savings1 or Santander® Money Market Savings2
Santander® Premier Plus Money Market Savings - exclusive to Santander Premier Checking customers
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Call Us 877.768.2265

 
 
 
 
Benefits of Banking with Us
Convenience
Convenience
  • Over 675 branches and more than 2,000 Santander ATMs across the Northeast, including many CVS®/pharmacy locations.
  • Monitor your balances or activity with customizable email or text alerts.
  • Online and Mobile Banking.
  • Mobile Check Deposit.
  • A Debit MasterCard® for your everyday on–the–run purchases§.
  • Easy, quick access to directly deposited funds.
Security
Security
  • FDIC Insurance coverage up to applicable limits.
  • Online Banking Guarantee§§.
  • Real-Time Fraud Monitoring.
  • Identity Theft Assistance Services.
Service
Service
  • Toll-free number to speak to a Personal Banking Representative.
  • Switch Services team to help if you're moving from another bank.

*Other fees may apply, including a Paper Statement fee, if you elect to receive paper statements. Refer to your fee schedule for details.

Per service fee period

§ Available for Checking account customers.

§§ Please refer to your Online Banking or Personal Deposit Account Agreement for details on your responsibility for promptly reporting unauthorized transactions.

Click here for more information about our Identity Theft Assistance Services.

Direct deposits include deposits made by your employer or a federal or state government agency or retirement benefits administrator and generally payments made by corporations or other organizations. It does not include deposits to your Account that are made by an individual using online banking or an Internet payment provider such as PayPal.

1 No Monthly Fee for Santander® Savings with any consumer Santander checking account or with $100 average daily balance in the Santander® Savings account (otherwise, $1.00). All other fees apply.

2 No Monthly Fee for Santander® Money Market Savings with any consumer Santander checking account or with $10,000 average daily balance in the Santander® Money Market Savings account (otherwise, $10.00). All other fees apply.

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

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