Personal Bank Account
Santander
Bonus
$500
Monthly Fee
$10/mo (waivable)
To Qualify
Any Direct Deposit + $5,000 Balance within 90 days
Availability
NH, MA, RI, CT, DE, NY +3
Expires
12/18/2026
Bonus Details
Earn $500 with a $5,000 average daily balance, or $300 with a $2,000 average daily balance, over the first 90 days, plus at least one qualifying direct deposit. Eligible accounts: Simply Right, Essential, Select and Private Client Checking. Keep the account open in an eligible account type for at least 90 days and until payment, in good standing. Payment follows within 30 days after those 90 days.
How To Qualify
Get a promo code from the offer page and open an eligible account in a branch by December 18, 2026. Within the first 90 days, receive at least one qualifying payroll, pension or government direct deposit and maintain a $5,000 average daily balance for $500 ($2,000 for $300). Fine print also requires qualifying activities completed by December 18. All owners must be 18+ and have had no Santander checking account during the prior 12 months, including currently.
APY Details
As of August 1, 2026, Select Checking earns 0.01% APY and Private Client Checking earns 0.03% APY. Rates are variable; fees may reduce earnings. Simply Right and Essential Checking do not earn interest.
The Fine Print
- Monthly Fees
- $10
- Household Limit
- One bonus per signer; if multiple accounts are opened with the same signer or ownership, only one account is eligible
- Account Type
- Personal Bank Account
- Expiration Date
- 12/18/2026
- Additional Requirements
- Opening deposit: $25 for Simply Right or Select; $10 for Essential. Private Client requires $250,000 in combined eligible deposits and investments each service fee period; falling below may trigger conversion to an account with fees. Only one bonus per shared signer/ownership; cannot combine with other checking bonuses.
- Availability
- New Hampshire, Massachusetts, Rhode Island, Connecticut, Delaware, New York, New Jersey, Pennsylvania, Florida
Available only to residents of NH, MA, RI, CT, DE, NY, NJ, PA, or select areas of Florida: Miami-Dade, Monroe, and Broward counties, and Collier county ZIP code 34141. The account must be opened in a branch and a promotion code must be use at account opening.
Monthly Fee Details
Monthly fees: Simply Right $10, waived with one posted deposit, withdrawal, transfer or payment monthly, or an owner under 26; Essential $4, waived with an owner under 26 or 65+; Select $25, waived with $25,000 in combined eligible deposits/investments; Private Client $0.
Official offer terms
Source wording for the promotion. View official source Recorded Invalid Date.

