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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

View Offer

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.

Nothing says welcome like a bonus of up to $500 when you open and use a new Santander checking account.1 Find a branch Follow these 3 easy steps 1 Open Use your promo code (see below) to open an account in a branch by 12/18/26.​ Find a branch Book an appointment 1 Get up to $500 when you open a new Santander® Private Client Checking, Santander Select® Checking, Simply Right® Checking or Santander® Essential Checking account (with applicable minimum opening deposit) and complete the qualifying activities by 12/18/2026. Earn $500 with minimum of one qualifying direct deposit and maintain average daily balance of at least $5,000 over first 90 days OR earn $300 with minimum of one qualifying direct deposit and maintain average daily balance of at least $2,000 over first 90 days. The 90-day period begins the day of account opening, unless the account is opened on a weekend or holiday, in which case the period begins on the first business day after account opening. You must be 18 years or older. Offer is not available if any account owner is a current checking customer of Santander or had a Santander checking account in the last 12 months prior to account opening. If multiple accounts are opened with the same signer, or maintained with the same ownership as of the date the bonus is payable, only one account will be eligible for the bonus. Offer cannot be combined with any other checking bonus offers. Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, PA, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP code 34141. The account must be open for at least 90 days and remain open in an eligible account type until payment of bonus, which will occur within 30 days thereafter. In addition, the account must be open and in good standing at time of bonus payment. Qualifying Direct Deposits include your paycheck, pension, government benefits (such as Social Security), or other eligible regular monthly income from your employer or the government electronically deposited to your checking account. Direct Deposits do not include teller deposits, wire transfers, debit card transfers, ATM, Online and Mobile Banking transfers or deposits, person-to-person transfers (such as Zelle® or Venmo), or a merchant advancing payroll using a debit card. As of 08/01/2026, the Annual Percentage Yield (APY) for Santander® Private Client Checking is 0.03% and Santander Select® Checking is 0.01%. Rates may change at any time and after the account is opened. Fees may reduce earnings. Offer expires 12/18/2026. 4 $10 Monthly Fee is waived when you make any financial transaction that posts during the calendar month. Includes deposits, withdrawals, transfers, or payments. Excludes fees, rebates, or adjustments posted by Santander. Additionally, the Monthly Fee is waived if any owner on the account is under 26 years of age. 5 Monthly Fee waived when you maintain a minimum combined balance of $25,000 in bank deposits (consumer and certain business products) and eligible investments held with Santander Investment Services.

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