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Get your extra20® checking account in 4 easy steps
- 1 -
extra20® checking and
extra20® savings
- 2 -
Minimum opening deposit of
$25 checking,
$10 savings
- 3 -
$10 for having Direct Deposits of $1500 or more
(within service fee period)
- 4 -
$10 for paying 2 bills with BillPay through Online Banking
(within service fee period)
$20 will be credited to extra20® savings
(at end of service fee period)



extra20<sup>SM</sup> checking



extra20® checking

With extra20® checking you can get paid $20 every month, just for using direct deposit and our online BillPay feature. Get $10 for having direct deposits totaling $1,500 per month. Get another $10 when you pay two bills with our online or mobile BillPay feature per month. Look for your extra $20 in your linked extra20SM savings account.




With extra20® checking, you can get paid for having direct deposit and using our online BillPay feature. With direct deposits totaling $1,500 or more per month, we pay you $10. Then, you get another $10 when you pay two bills with our online BillPay feature per month. That's a total of $20 a month that we deposit into your extra20SM savings account.



Santander Switch Services  makes switching easy. Once you open your account, we'll help manage switching your direct deposits, online bill payments and automatic payments for you.


We are part of the Santander Group, which has 150 years of experience. And over 102 million customers.


  extra20® Banking
Premier Banking Classic Banking Student Banking
It's for you if: You want to get $20 a month for doing what you may be doing already. You keep higher balances in checking or linked accounts, and want to earn special privileges. You want an easy banking solution with options. You are between the age of 16-25 and you're looking for a simple and economic way to bank.
Feature(s) Get $10 for having direct deposits totaling $1,500 or more per month.

Get $10 more for paying 2 bills with Online BillPay per month.

That's $20 credited to your extra20® savings account every month.

Discounts on loans.§

Interest-bearing checking account and extra rewards.

Priority customer service, free checks, and many additional features offered at no-fee.

No charge to use other banks' ATMs in the United States.*

Discounts on loans.§
Value and economy, combined.

Discounts on loans.§
No cost, flat fees, no worries.
Monthly Fee $10 $30 $10 $0
How to Waive Monthly Fee Waived with $1,500 or more in total direct deposits during the service fee period Waived with $20,000 or more in combined balances in checking, savings, money market savings, CDs, IRAs, investments, and loans,† ‡ Waived with at least $500 in Direct Deposits a month or $750 average daily balance Not applicable
Interest-Earning Checking Account No Yes No No
Minimun Deposit Needed to Open Account $25 $25 $25 $10
ATM Fees at Santander Domestic* ATMs $0 $0 $0 $0
Fee for Withdrawal at a Non-Santander Domestic* ATM** $3 $0 $3 $2
Available With Package extra20® checking, extra20® savings Santander Premier Checking, Premier Money Market Savings Santander Classic Checking, Santander Classic Savings Student Checking, Student Savings

Frequently Asked Questions

  • Each month, when you direct deposit $1,500 or more into your extra20® checking account, we will pay you $10 into your extra20SM savings. Then, you earn another $10 when you pay two bills using the BillPay feature in Online and Mobile Banking. That's a total of $20 a month that we deposit into your extra20SM savings account. The monthly period we use for determining if you earned your bonus is your service fee period.


    Our customers told us that they want to save money for their goals, which is why the bonuses are deposited into their savings accounts.

    As long as you meet the $1,500 direct deposit requirement each month, there isn’t a monthly fee. Otherwise, the monthly fee is $10. Yes, there is a grace period. Once the customer opens their extra20® checking account, they will have 2 service periods to set up Direct Deposit.

    Direct Deposit is the safest and fastest way to get your paycheck and other recurring deposits. And BillPay makes handling recurring payments easy. Whether you submit your BillPays online or through our Mobile Banking app, you have access to electronic versions of your bills and statements, and BillPay is 100% guaranteed against fraud and late bill payments.

    After you have been an extra20® checking customer for 6 months, Santander will waive the monthly fee once a calendar year in the event you do not have enough in qualifying Direct Deposits.

    We can help manage switching, Santander Switch Services can make switching easy. Once you open your account, we'll manage switching your direct deposits, online bill payments and automatics payments for you. Just call 1.888.875.5089 or click here for more information.

    Click any of the Open Now buttons on this page, visit your local branch or call 1.855.806.6515.

    We have more than 700 branches and 2,000 ATMs, including many CVS/pharmacy® locations in the northeast. Find a location close to you.

To receive extra20® bonuses, you must have both an extra20® checking and an extra20SM savings account (minimum opening deposit of $25 and $10 respectively). You receive a $10 Direct Deposit bonus with direct deposits of $1,500 or more to your extra20® checking account in a service fee period. If you qualify for the Direct Deposit Bonus and you pay two bills from your extra20® checking account using the BillPay feature in Santander’s Online or Mobile Banking in the same service fee period, you receive a $10 BillPay bonus. Bonuses are credited to your extra20SM savings account on the first business day after your extra20® checking account service fee period ends. Your bonuses will be reported as interest on Form 1099-INT in the year received. Limit 1 extra20® checking and savings account per person.


§ 0.25% rate discount on home equity loans and lines, auto loans and personal loans and lines with automatic payments from any Santander checking account. All applications are subject to approval.


† 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; and indirect auto loans obtained through automobile dealers. We look at the actual investment account balances held in your brokerage account at Santander Investment Services as of the last business day of the prior calendar month, along with your loan and deposit balances, to determine if you are eligible for a waiver of the monthly fee.


‡ Service Fee Period means the period beginning on the day regular service fees, such as monthly fees, are posted to your Account and ends on the day before service fees are next posted to your Account.


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


©2015 Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo, Extra 20 and A Bank For Your Ideas are registered trademarks, and Real Change is a service mark of Banco Santander, S.A. or its affiliates or subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners.

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