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Classic Banking

Our Classic Banking package gives you an easy banking solution with options and convenient features designed to help you make the most of your money. If value is what you're looking for, Classic Banking has everything you need.

Santander Classic Checking account

  • Value and economy combined
  • No monthly charge with at least $500 in total direct deposits* or when you maintain an average daily balance of $750 or more for the service fee period1
  • Personalized checks with a variety of design options 

Santander Classic Savings account

  • Competitive rates and the security of FDIC insurance
  • Easy transfers to and from checking2
  • Complimentary for Santander Classic Checking customers

Santander Debit MasterCard®

  • The most convenient way to access funds and make purchases
  • Zero liability in the event that someone makes unauthorized signature purchases with your card4
  • Provides MasterCard's great coverage and added protection for your debit card purchases:   
    • Extended Warranty - Doubles the time period and duplicates the coverage of the original manufacturer's warranty, for a maximum of one additional year5
    • Satisfaction Guarantee - If you become dissatisfied with a product within 60 days of a purchase, and the merchant will not accept a return, you may be reimbursed for the product up to $250 per claim5

 Santander Online Banking with BillPay

  • 100% guaranteed against fraud6 and late bill payments
  • 24/7 access to account balances, transaction history and more
  • Easy-to-use BillPay with the ability to receive electronic versions of your bills and statements
  • Convenient access through our Mobile Banking app


Other Features/Benefits:

  • Direct Deposit - the safest and fastest way to get your paycheck and other recurring deposits
  • Overdraft protection via Santander Easy Access Line of Credit7 or transfer from your savings account 
  • 0.25% rate discount on home equity lines, auto loans and personal loans and lines with automatic payment from a Santander checking account7  
  • Sphere® Credit Card7
  extra20® banking Premier Banking Classic Banking Basic Banking
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Best If You Want Your bank to pay you! This account recognizes the value you bring to the bank by rewarding you for receiving Direct Deposit and completing Bill Pay transactions. Exclusive rates on deposits, discounts on loans, priority customer service and many no-fee features An easy banking solution with options Simple and economical banking
Available With Package extra20® checking and extra20® savings Santander Premier Checking, Premier Money Market Savings Santander Classic Checking, Santander Classic Savings Flat Fee Basic Checking, Santander Basic Savings
Interest-Earning Checking Account No Yes No No
Checking Account Monthly Fee $10, waived with $1,500 or more in total direct deposits to the checking account during the service fee period $30, waived with $20,000 or more in combined balances in checking, savings, money market savings, CDs, IRAs, investments, and loans, $10, waived with at least $500 in Direct Deposits a month or $750 average daily balance  $5 ($3 NY/NJ)
Fee to Make a Withdrawal at Other Banks' ATMs in the US Yes ($3.00)  No#  Yes ($3.00)  Yes ($3.50)
Discounts on Check Orders Yes, free first order of Santander checks Yes, free Graystone-style or Santander checks or $15 discount on alternate designs   No   No
Additional Benefits Account eligible to receive bonuses each month based on Direct Deposit and Online Banking bill payments1. Online Banking with BillPay, Santander Debit MasterCard® Online Banking with BillPay, Santander Premier Debit MasterCard® Online Banking with BillPay, Santander Debit MasterCard® Online Banking with BillPay, Santander Debit MasterCard®


† Not counted as part of the combined balance are the following: mortgage loans; student loans; credit card balances, unsecured personal loans and lines of credit issued by FIA Card Services, N.A.; the unused portion of any Santander credit line; indirect auto loans obtained through automobile dealers; and investments not held in a brokerage account with Santander Investment Services.
‡ For the service period.
# Limited to ATMs in the 50 states in the U.S. ATM owner may charge a separate fee.

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1 No monthly fee with at least $500 in total direct deposits a month or when you maintain an average daily balance of $750 or more for the service fee period (otherwise, $10).

2 You can withdraw funds from your Santander Classic Savings account no more than 6 times by computer, telephone, preauthorized transfer or Debit Card purchase each service fee period. Fees apply if you exceed these limits, and if you repeatedly exceed these limits, we will close your account or convert your account to a checking account.

3 No monthly fee with Santander Classic Checking or $100 average daily balance (otherwise, $3.50). All other fees apply.

4 When you promptly notify us. Does not apply to transactions made using your PIN. Please refer to your Personal Deposit Account Agreement for more details.

5 Certain restrictions apply. For full details, see the Guide to Benefits insert that will be sent with your new card or visit for more details. Remember to keep all receipts to properly review your claim.

6 Please refer to the Online Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions.

7 All applications subject to approval.

* 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.