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Simply Right® Checking

Simply Right® Checking is as easy to use as the name suggests. No hassles, no surprises, no "gotchas." Simply make one transaction every month, and you can say "goodbye" to your Monthly Fee. In a nutshell, it's everything checking should be: simple, convenient, and fair.

 

Simply Right Checking Features

Simple Calendar

No special dates to remember - your service fee period is aligned to the calendar month every month.

Easy to Waive the Monthly Fee

Simply make one transaction - a deposit, withdrawal, transfer, or payment - posted during the calendar month to waive the Monthly Fee.

Savings Account Benefit

This account waives the Monthly Fee for Santander® Savings1 or Santander® Money Market Savings2.

Consolidated Statements

No Fee eStatements

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

No Minimum Balance

No Minimum Balance

Enjoy no minimum balance requirements.

Benefits of Banking with Us
Convenience
  • Over 650 branches and 2,000 Santander ATMs across the Northeast, including one in many CVS locations.
  • Customizable email alerts, text alerts coming soon.
  • Online and Mobile Banking.
  • Mobile Check Deposit.
  • A Debit MasterCard® for your everyday on–the–run purchases§.
  • Easy, quick access to directly deposited funds.
Security
  • FDIC Insurance coverage up to applicable limits.
  • Online Banking Guarantee§§.
  • Real-Time Fraud Monitoring.
  • Identity Theft Assistance Services.
Service
  • Toll-free number to speak to a Personal Banking Representative.
  • Switch Services team to help if you're moving from another bank.
Compare Simply Right 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 eStatement with
Online Banking or $3 per paper statement
Free eStatement with
Online Banking or $3 per paper statement
Free eStatement with
Online Banking or $3 per paper statement
Free eStatement 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 Savings Accounts

Santander® Savings

A straightforward way to save.

  • Pay no Monthly Fee when you maintain a Santander checking account<<.
  • Use Auto Save to make automatic, recurring transfers from your checking account to your companion savings account.
  • Start with a deposit of just $25.

Learn More...

Money Market Savings Accounts

Santander® Money Market Savings

Saving for what you want has never been more rewarding.

  • A competitive rate when you deposit $10,000 or more in new balances.
  • Easy transfers to and from your checking account>>
  • No Monthly Fee with any consumer Santander Checking account.

Learn More...

Sphere Credit Card.

Sphere® Card

BIG SAVINGS

  • Introductory purchase offer for 12 billing cycles
  • Our BEST balance transfer offer for 24 billing cycles**
  • 1 point per $1 spent on all purchases

Learn More...

 

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.

§ 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.

Click here for more information about our Identity Theft Assistance Services.

† Per service fee period

‡ 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.

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 customer Santander checking account or with $100 average daily balance in the Santander® Savings account (otherwise, $1.00). All other fees apply.

>> You can withdraw funds from your 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.

** 0% introductory APR for 24 billing cycles on balance transfers and 12 billing cycles for purchases. After the introductory period, a variable APR for balance transfers and purchases from 12.74% to 22.74% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 4%, whichever is greater. 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. Cash advance APR of 24.74%. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.24%, which may apply indefinitely to your account if you miss payments or otherwise default. The foreign transaction fee is 3% of the gross amount of transactions made in a foreign currency and transactions made in U.S. Dollars that are processed outside the 50 United States, District of Columbia, Puerto Rico, or Santander ATMs in Mexico. Purchases of wire transfers from a non-financial institution of either $10 or 4% of the amount of each transaction, whichever is greater. There is no annual fee. Rates effective as of today. Please see the Terms and Conditions for additional rate, fee, and other cost information.