Premier Banking

Our Premier Banking package rewards you for doing more of your banking with us. Santander Premier has convenient solutions for managing your everyday finances, as well as products and services designed to help you save for and manage your long-term goals. Plus exclusive rates, discounts, priority service, and the benefits only our Premier banking package can offer.

Other Features/Benefits

  • Direct Deposit - The safest and fastest way to get your paycheck and other recurring deposits
  • Santander Account Protector10
  • Overdraft Protection with Santander Easy Access Line of Credit11 or transfer from your Premier Money Market Savings or another savings account4
  • 0.25% rate discount on home equity loans and lines, auto loans and personal loans and lines with automatic payment from any Santander checking account.11 Annual fees waived for Santander Premier Checking customers for home equity lines of credit and personal lines of credit 
  • $500 off mortgage closing costs11
  • Rewards Made Simple with a Visa® Signature Sphere Credit Card11
  • Bonus rates on eligible Certificates of Deposit (CDs) 
  extra20 banking Premier Banking Preferred Plus 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 Money savings features and the convenience and access you need so you can bank on your terms 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 Preferred Plus Checking, Preferred Plus Money Market Savings Santander Classic Checking, Santander Classic Savings Flat Fee Basic Checking, Santander Basic Savings
Interest-Earning Checking Account No Yes 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, $15, waived with at least $2,500 in Direct Deposits or $2,500 average daily balance $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#  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 Yes, free first order of Santander checks   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® 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.

Santander Premier Checking account

  • Interest-bearing checking with exclusive rates
  • No monthly charge with $20,000 or more in combined balances in checking, savings, money market savings, CDs, IRAs, investments or loans1
  • Free Graystone-style or Santander checks, or $15 discount toward alternate designs 
  • No charge to use other banks' ATMs in the 50 United States2
  • Investments offered through Santander Investment Services 
  • No annual IRA custodial charge and no annual inactivity charge on brokerage accounts for the first year3
  • Complimentary small safe deposit box or 50% discount on safe deposit rental fee on any other size box  
  • Priority service via our exclusive toll-free phone number 

Premier Money Market Savings account

  • Exclusive rates and the security of FDIC insurance
  • Easy transfers to and from checking4
  • The convenience of writing money market checks4
  • Complimentary for Premier Checking customers

Santander Premier Debit MasterCard® with Cash Rewards

  • The most convenient way to access funds and make purchases
  • Our highest spending limits
  • Zero liability in the event that someone makes unauthorized signature purchases with your card6
  • 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 year7
    • Purchase Assurance® - Protects you for 90 days from the date of purchase and up to $1,000 per claim for theft, damage or loss7
    • 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 claim7
  • Automatically earn up to 20% in Santander Cash RewardsSM every time you use your Santander Premier Debit MasterCard to make online or in-store purchases at selected participating retailers, log into your Online Banking account and click the Rewards tab to learn more8

Santander Online Banking with BillPay

  • 100% guaranteed against fraud9 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

 

Apply Now

1 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 (otherwise, $30).

2 Does not apply outside the 50 United States. ATM owner may charge a separate fee.

3 All other account fees and commissions still apply. Customer is responsible for all other fees, commissions and charges associated with their investment account.

4 You can withdraw funds from your Premier Money Market Savings account no more than 6 times by computer, telephone, preauthorized transfer, check 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.

5 No monthly fee with Santander Premier Checking or $10,000 average daily balance (otherwise, $10). All other fees apply.

6 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.

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

8 Cash rewards are earned on purchases made at participating online retailers through the Santander Cash Rewards Program tab in Online Banking or in-store at participating national and local retailers when using your Santander Debit MasterCard. Look for terms of the participating retailers' and sign up on the Santander Cash Rewards tab in Online Banking. Participating retailers are subject to change.

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

10 We charge our standard overdraft fee of $35 per transaction when you make a transaction, including checks, Online Banking payments or any other type of withdrawal, and you do not have sufficient available funds to pay the transaction. There is an additional one-time $35 sustained overdraft fee on the 6th business day any checking (other than Santander Premier Checking), savings or money market savings account is overdrawn. If you enroll in Santander Account Protector, these fees will apply to overdrafts caused by ATM transactions and one-time debit card purchases. Any overdrafts that we pay must be promptly repaid. Whether we pay an overdraft is at our discretion and there is no guarantee that any overdraft will be paid by the bank.

11 All applications are subject to approval.