Basic Checking. Just the way you like it. Every time.

Santander Basic Checking Account

Want a basic checking account where you don’t have to keep up with requirements? Then check out Basic Checking from Santander Bank. No gimmicks, and no minimum balance requirements. Just an easy-to-use basic checking account with a low, fixed Monthly Fee of $3. So, go ahead: pay your bills, deposit money however and whenever you like. Take advantage of easy online checking account access. Relax and enjoy a dependable, uncomplicated solution for managing your money.

Santander Basic Checking Account Features

Wallet icon with cash and coins.

No Minimum Balance

Enjoy no minimum balance requirements.

predictable monthly fee

Predictable Monthly Fee

Monthly Fee remains the same, regardless of activity in account.

no annual or transaction fees

No Fee Paperless eStatements

Enroll in Online Banking to receive Paperless Statements for no fee or receive paper statements for $3 per statement.

3 stacks of coins growing higher with a plus sign.

Savings Account Benefit

This account waives the Monthly Fee for Santander® Savings1 or Santander® Money Market Savings2.

Benefits of Banking with Us
Convenience
Convenience
  • Over 600 branches and more than 2,000 Santander ATMs across the Northeast, including many CVS/pharmacy® locations.
  • Online and Mobile Banking.
  • Pay in a simple, secure and convenient way with Apple Pay®.
  • Mobile Check Deposit.
  • A Debit MasterCard® for your everyday on–the–run purchases§.
  • Monitor your balances or activity with customizable alerts.
Security
Security
  • FDIC Insurance coverage up to applicable limits.
  • Online Banking Guarantee§.
  • Instant Card Hold◊.
Service
Service
  • Toll-free number to speak to a Personal Banking Representative.
  • Switch Services team to help if you're moving from another bank.

Compare Basic Checking to our other Checking Accounts

Banking should be easy, convenient, and tailored to your personal and financial needs. That's why we offer several different checking options from which to choose. Use the table below to find the one that works best for you. Click here for a printable version of this chart.

  Student Value
Checking
Santander® Basic
Checking
Simply Right®
Checking
Santander® Premier Plus Checking
What is it An account designed for Students. An account with a low, predictable Monthly Fee. A simple and intuitive account that makes it easy to waive the Monthly Fee. An account that rewards you for your total banking relationship.
Monthly Fee $0 $3 $10 $35
How to waive the Monthly Fee
(per service fee period)
N/A Cannot be waived. Simply use the account each month.

Any transaction (deposit, withdrawal, transfer, or payment) posted to the account.
$75,000 in combined balances in deposits and eligible investments held with Santander Investment Services
-- or --
$6,000 in Direct Deposits.± ±
Interest Earning - - - Yes
Minimum Opening Deposit $10 $25 $25 $50
ATM Withdrawal Fee3
(domestic non-Santander ATM)
$2 $3 $3 $0
Free Paperless Statements
(selected in online banking)
Yes Yes Yes Yes
Paper Statements
(per statement)
$3 $3 $3 $0
Savings Account Benefit Account waives Monthly Fee on Santander® Savings1 and Santander® Money Market Savings.2 Access to Santander® Premier Plus Money Market Savings.

May We Also Suggest?

▲▲▲ Santander® Ultimate Cash Back® Annual Percentage Rates (APRs) and Fees: 3% introductory Annual Percentage Rate (APR) for 12 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 15.99% to 24.99% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of $0.There is no grace period on balance transfers. Also if you take a balance transfer offer, this means that unless your purchase APR is at an introductory or promotional 0% APR, you will pay interest on new purchases from the date made if you do not pay all balances, including the promotional balance transfer, in full by the next payment due date appearing on your statement. Variable APR for purchases from 15.99% to 24.99% based on your creditworthiness when you open your account. Cash advance APR of 26.49%. Minimum finance charge of $1.50. Penalty APR of 31.49%,which may apply indefinitely to your account if you miss payments or otherwise default. There is no annual fee. Rates effective as of . Rates are subject to change. Late payment fee and finance charges will still apply. 1.5% cash back via statement credit, gift cards or merchandise on net new retail purchases with no limits on how much you can earn. Earn $100 cash back via statement credit after you spend $500 on net new retail purchases within the first 90 days of opening your account. This credit can take up to 6 weeks to be processed. Late payment fee and finance charges will still apply. Credit card accounts are subject to approval.

* Bonus Offer Details: Accounts must be in good standing. Applies to net new retail purchases only. Net new retail purchases: qualifying purchases less credits, returns, and adjustments. Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions, and certain other charges do not earn cash back credit. The cash back balance on your account does not expire for accounts in good standing. Cash Back in the form of statement credit upon your request. Receive the $100 cash back bonus via statement credit: When you spend $500 on net new retail purchases using the Santander® Ultimate Cash Back® credit card, or when you spend $1,000 on net new retail purchases using the Bravo credit card, within the first 90 days of opening your account. $100 cash back is credited to customer account within 6 weeks after spending requirements are met. Other terms and conditions apply.

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.

± ± Santander considers Direct Deposits to be automatic electronic deposits made to your account by someone else, such as an employer issuing payroll or a government paying benefits. It may not include deposits to your account that are made by an individual using online banking or an internet payment provider.

1 No Monthly Fee for Santander® Savings with any personal 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 personal 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.

¤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.

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.

Apple, the Apple logo, Apple Pay and Touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

app storegoogle play