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Frequently Asked Checking Account Questions

Opening an Account

Can you open a checking account online? 

Yes, if you are over the age of 18 you can open a Santander checking account online with:

  • A Social Security Number
  • A valid email address
  • A credit or debit card to make an initial deposit
  • A government-issued ID

Learn more about how to open a checking account with Santander Bank.

How much does it cost to open a checking account? 

While there is no fee to open a checking account, you will need to make an initial deposit. The minimum opening deposit varies from $10 to $50, depending on the account.

How old do I have to be to open a checking account? 

You must be 18 to open a checking account on your own, or you can open a checking account between the ages of 16 and 18 with a legal guardian as a co-owner. Learn more about teen checking account options.

Who can I open a joint checking account with? 

If you are over the age of 18, you can open a checking account with any eligible co-signer. Learn more about joint checking accounts.

Account Basics

Do I have to maintain a minimum balance? 

None of our checking accounts require a minimum balance to maintain the account.

How do I check my account balance? 

The easiest way to check your account balance is to enroll in online banking or utilize the Santander Mobile Banking App; however, you can also check your account balance at any Santander Bank branch or ATM.

How do I find a branch or ATM near me? 

Visit our locator to find the closest Santander location to you, or utilize the Santander Bank Mobile App.

What is my Personal Identification Number (PIN)? 

A Personal Identification Number, also known as a PIN, is a 4-digit code that you use to access the funds in your checking account when you use your debit card, whether at an ATM or when making a purchase in a store. You will receive your PIN in a separate envelope when you receive your new debit card. If you forget your PIN, you can request a new PIN in the Customer Service tab of your online banking profile and it will be mailed to you within 5-7 days.

How do I find my account number? 

Your account number will be listed on your checking account statement, in the bottom left corner of personal checks associated with the account, and in your online banking profile.

What is my routing number? 

You can find your routing number on personal checks and online.

Why did I get charged a fee? 

Consult your Personal Deposit-Product Guide and Fee Schedule for fees applicable to your account, or speak with a Santander Bank representative.

Can checking accounts earn interest? 

While not all checking accounts earn interest, the Santander Premier Plus Checking account is interest-bearing.

Are checking accounts FDIC insured? 

Yes. There is a maximum of $250,000 of deposit insurance from the FDIC for each category of account ownership. Please visit fdic.gov for details.

How do I reorder checks? 

If you have run out, you can reorder checks online through the Customer Service tab of your online banking profile, in a branch, or by phone.


Learn more about ordering checks from Santander Bank.

Can personal checking accounts be used for business expenses? 

Businesses cannot open personal checking accounts. Santander Bank offers several business checking account options to fit a range of financial needs.

If I go paperless, when will I stop receiving statements in the mail? 

It may take up to 2 account cycles before you stop receiving statements in the mail.

How do I close my account? 

To close an account, please visit a local branch or call a Customer Service representative between the hours of 6AM -10PM ET at 877-768-2265.

Withdrawals, Deposits, and Transfers

How do I deposit money into my checking account? 

You can deposit money into your checking account by visiting a local branch, depositing funds into a Santander Bank ATM, or by utilizing Mobile Check Deposit. You can also deposit funds automatically by setting up direct deposit.

How do I set up direct deposit? 

You’ll need to discuss setting up direct deposit with your payroll processor at your place of employment; however, Santander Bank offers detailed instructions on what you’ll need to set up direct deposit and fill out any direct deposit forms.

When are funds available after deposit? 

Our general policy is to allow you to withdraw up to $200 of your deposit on the next business day after the business day we receive your deposit. The remainder, if any, of your deposit will usually be available the second business day after the business day of deposit. In some cases, we may delay availability to withdraw funds beyond these periods. In such circumstances, we will send you a notice and the funds will generally be available on the sixth business day after the day of the deposit.

How do I withdraw money from my checking account? 

You can withdraw money from a checking account by visiting a local branch or utilizing a Santander Bank ATM.

How do I transfer funds from checking to savings? 

You can transfer funds in a branch, at a Santander Bank ATM, or by utilizing online or mobile banking. You can also set up Auto Save to regularly transfer funds from checking to savings.

How do I stop payment on a personal check? 

If you need to stop payment on a personal check, log in to online banking and first confirm that the check has not cleared in your account history. Then navigate to the Customer Service tab, and select “Stop Payment on a Check” under “Deposit Account Services.” You will need to enter:

  • Check number
  • Check amount
  • Check date
  • Payee
  • Reason to stop payment

Please note you will be charged a $30 Stop Payment fee for the request.

What is a cashier’s check? 

A cashier’s check is a check guaranteed by the bank rather than from your personal account, eliminating risk for the payee that the check would bounce; they are often required for large purchases like the down payment on a mortgage. Cashier’s checks are also referred to as bank checks, official bank checks, or treasurer’s checks.

How do I get a cashier’s check? 

Visit any Santander Bank branch to obtain a cashier’s check. There is a $10 fee per check.

How do I send an international wire transfer? 

All outgoing international wire transfers must be initiated at a Santander Bank branch. You will need the following information:

  • Name of the wire recipient
  • Street address of the individual receiving the funds—full street address is required (P.O. Box may not be used)
  • Account number or IBAN (The International Bank Account Number is REQUIRED for all transfers going to Europe and England/UK)
  • Name of the bank receiving the wire
  • Street address of the bank receiving the funds—full street address is required (P.O. Box may not be used)
  • Receiving bank's Swift Code (8-11 characters in length with the first 4 characters being alpha, which identifies the bank)
  • Receiving bank's Bank Code, if available

Santander Bank accepts wire transfer requests and facilitates incoming or outgoing wire transfers for Santander Bank account holders only, and does not offer “Pay Upon Proper ID” services.

Changing Account Information

How do I change my PIN? 

If you know your existing PIN, you can easily change your PIN at most Santander Bank ATMs. After entering your existing PIN, select the option “Change PIN” and enter your new PIN twice for confirmation. You can also update your PIN by calling the customer service number, located on the back of your card.

How do I change my legal name on my checking account? 

If your legal name has changed, visit a local Santander branch to change your name. Bring supporting documentation of the name change, such as a marriage license, divorce decree, or court document for our records. After you change your name, remember to order a new debit card and checks with the update.

How do I change my address on my checking account? 

You can change your mailing address at a Santander branch or in your online banking profile.

  • Log in and select “Customer Service”
  • Select “My Profile and Preferences”
  • Choose “Change Address” under “Personal Information”
  • Enter all required information, then select confirm

It may take 24-48 business hours to update.

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