Simply Right® Checking
Make banking simple with a checking account that meets your everyday banking needs and includes an easy-to-waive Monthly Fee.
Easy-to-waive Monthly Fee
$10 Monthly Fee, waived with one transaction per calendar month.*
Monthly Fee†
$10 Monthly Fee, waived with one transaction* – a deposit, withdrawal, transfer, or payment – posted during the calendar month. Additionally, the Monthly Fee is waived if any owner on the account is under 26 years of age.
Minimum balance
No minimum balance requirement
ATM withdrawal fee‡
$3 for domestic non-Santander ATM withdrawals. $2 if any owner on the account is under 26 years of age.
Account opening deposit
$25 minimum
Interest
This account is not interest bearing
Statement delivery options
- $3 for paper statements
- $0 for paperless statements
All the ways we help you bank better
Convenience in the palm of your hand
Deposit with Mobile Check Deposit
Just take a picture of your signed check while you’re on the go.
Manage your account
Pay bills, send money with Zelle®**, make transfers, and more, all from the Mobile Banking App.
Control over your cards
Create or update your PIN, update contact information, and report a lost or stolen card.
Bank anywhere, anytime
Manage your account whenever and wherever you want with our Mobile Banking App.
Download our Mobile Banking App
Unlock on-the-go features with our highly-rated Mobile Banking App.
Enroll in Santander Online Banking
Manage your money securely by enrolling in Online Banking.
Learn more about Online Banking
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FAQs: Checking
To open an account in a branch, you will need two forms of Identification, including a Primary ID — which is a valid, government-issued photo ID (Driver’s License, Passport, State or Military ID), AND a Secondary ID — some examples include bank-issued ATM or debit cards, major credit cards, utility bills and birth certificates. You’ll also need your Social Security Number (Non-Residents can still apply without a SSN or can use their Individual Tax Reporting Number if they have one), a valid address and phone number, and an initial deposit.
Your new debit card will typically arrive in 5-7 business days. If requested, your PIN is mailed separately from the debit card and both are mailed to the address on file. You can activate your debit card through our Mobile Banking App, at any Santander ATM, with a branch teller, or by calling 877-726-0631.
You may fund your account with a check or by depositing cash. Speak to a banker about the different ways to fund your account.
For determining the availability of your deposits, every day is a Business Day except Saturdays, Sundays, and federal holidays. If we receive your deposit prior to the applicable cutoff time on a Business Day, we will consider that day to be the day of the deposit. The first $275 of all checks you deposit on a Business Day will be available no later than the first Business Day after the Business Day we receive your deposit. The remaining funds will be available no later than the second Business Day after the Business Day we receive your deposit. Our full Funds Availability Policy can be found in the Personal Deposit Account Agreement or on our Funds Availability page.
Yes, you can open a joint account at a Santander Bank branch. To add a joint owner to your existing account, all parties must appear together at a Santander branch and will need to bring the following personal information: valid address, phone number, Social Security number, both government-issued ID and secondary form of identification.
Support resources: Checking Accounts
We’ll guide you on your financial journey.
Santander Mobile Banking App
Learn more about getting started with our highly-rated Mobile Banking App.
Direct Deposit
Learn more about how direct deposit works, and how to set up deposits directly to your checking account.
Getting Started with Online Banking
If you haven’t enrolled yet, read this easy step-by-step guide to get started.
Find Us
Branches across the Northeast and in Miami, Florida, plus 2,000+ ATMs.
*Excludes fees, rebates, or adjustments posted by Santander.
†Per service fee period.
‡Domestic ATMs are ATMs in the 50 United States, the District of Columbia, and Puerto Rico. ATM owner may charge a separate fee.
**U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
††If you share your device with other individuals, please note any fingerprints or face image stored on your device may be used to log in to the Santander Mobile Banking App and access your account.
‡‡Digital Banking Guarantee: When you use Online Banking, we guarantee that your money is protected against online fraud or losses and that your bills will be paid on time. You are protected against unauthorized online transactions as long as you check your statement and promptly notify us of any unauthorized activity. Refer to your Digital Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions, as well as a list of supported mobile devices.
§§If a transaction causes your account’s balance to be overdrawn by one hundred dollars ($100) or less, we will not assess any Insufficient– Item Paid fee(s) for that item. The amount of the Insufficient Funds – Item Paid Fee and Sustained Overdraft Fee is $15. A Sustained Overdraft Fee applies to accounts overdrawn by any amount (negative balance) for five (5) consecutive Business Days when the overdrawn balance at the end of the first day is more than $100, and is assessed to the account on the sixth (6th) Business Day. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn for an extended period of time or the overdrawn amount is excessive. Any overdrafts that we pay must be promptly repaid by you.
¶¶We limit withdrawals and transfers out of your savings and money market savings accounts. You can withdraw or transfer funds from a savings or money market savings account a total of six (6) times per Service Fee Period (such as by automatic or pre-authorized transfers using telephone, online banking, mobile banking, overdraft protection, payments to third parties, wire transfers, checks, and drafts). If you repeatedly exceed these limits, we may close or convert your account to a checking account, which may be a non-interest-bearing checking account.
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