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

Predictable Monthly Fee

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

No Minimum Balance

Enjoy no minimum balance requirements.

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.

No Fee Paperless eStatements

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

Benefits of Banking with Us
Convenience
Convenience
  • Over 650 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§§.
  • Real-Time Fraud Monitoring.
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
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
  Learn More Learn More Learn More Learn More

May We Also Suggest?

▲▲▲ Santander® Ultimate Cash BackSM 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 15.49% to 24.49% 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 15.49% to 24.49% based on your creditworthiness when you open your account. Cash advance APR of 25.99%. Minimum finance charge of $1.50. Penalty APR of 30.99%, which may apply indefinitely to your account if you miss payments or otherwise default. There is no annual fee. Rates effective as of 10/01/2017. 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 BackSM 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.

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 customer 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.

<< 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.

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