Santander BankChecking accountChecked Oct 10, 2026Updated Oct 10, 2026

Santander® Essential Checking

$4monthly fee

A year for an everyday customer: −$48 fees and interest, $2,000 kept
To open: $10 to open
On our list: #456 of 986 checking accounts, by a year’s value for an everyday customer

Fees

Monthly fee: $4 a monthSource · checked Oct 10, 2026
Ways to avoid the monthly fee: Any one of these:
any owner on the account is under age 26
any owner on the account is ... 65 years of age or over
Source · checked Oct 10, 2026
Minimum to open: $10Source · checked Oct 10, 2026
Overdraft fee: $15Source · checked Oct 10, 2026
Returned item (NSF) fee: NoneSource · checked Oct 10, 2026
Overdraft transfer fee: NoneSource · checked Oct 10, 2026
Most overdraft fees in a day: 3Source · checked Oct 10, 2026
ATM network: Santander ATMsSource · checked Oct 10, 2026
ATMs in the network: 30,000Source · checked Oct 10, 2026
Out-of-network ATM fee: $2.50Source · checked Oct 10, 2026
International ATM fee: $6Source · checked Oct 10, 2026
Foreign transaction fee (debit card): 4%Source · checked Oct 10, 2026
Incoming domestic wire: $13Source · checked Oct 10, 2026
Outgoing domestic wire: $25Source · checked Oct 10, 2026
Outgoing international wire: $40Source · checked Oct 10, 2026
Paper statements: $2 a monthSource · checked Oct 10, 2026
Cashier’s check: $10Source · checked Oct 10, 2026
Stop payment: NoneSource · checked Oct 10, 2026

Bill payBranch accessContactless cardDebit cardMobile check depositNo minimum balanceNo overdraft feesZelle

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees