Santander Bank
CheckingVerified Oct 9, 2026
Santander Simply Right Checking: up to $500 bonus
Receive at least one qualifying payroll, pension, or government direct deposit within the first 90 days (starting the next business day for a weekend or holiday opening).
- Direct deposits
- Required
- Cash to keep
- $5,000 for 90 days
- Monthly fee
- $10/mo, waivable
- Apply by
- Dec 18, 2026
Selected target
$500
Apply by Dec 18, 2026
View offer at Santander BankRead the bank's terms · Offer terms can change. Confirm current eligibility and terms with the bank before applying.
Your fit
Add your state, direct deposit and cash to check this offer's conditions against your situation.
- 1 thing to check: Offered in 9 states only
- 1 thing to check: Your history with Santander Bank
This checks the published conditions only. The bank decides who is approved.
Steps to earn
Complete all 2 steps for $500
Keep a balance
Maintain an average daily balance of at least $5,000 over the first 90 days (starting the next business day for a weekend or holiday opening).
- $5,000
- Keep it for 90 days
Direct deposit
Receive at least one qualifying payroll, pension, or government direct deposit within the first 90 days (starting the next business day for a weekend or holiday opening).
All tiers
| Bonus | Deposit to qualify | Cash to keep | Choose your target |
|---|---|---|---|
| $300 | Direct deposits: Required | $2,000 for 90 days | |
| $500 | Direct deposits: Required | $5,000 for 90 days | Selected |
Timeline
Add a date to put the deadlines on a calendar. Only steps timed from opening get a date.
Apply by Dec 18, 2026
Open the account
Keep a balance
Maintain an average daily balance of at least $5,000 over the first 90 days (starting the next business day for a weekend or holiday opening).
Direct deposit
Receive at least one qualifying payroll, pension, or government direct deposit within the first 90 days (starting the next business day for a weekend or holiday opening).
Bonus paid
Within 30 days after the account completes its first 90 days and meets requirements; it must remain open and in good standing.
Money and fees
- Bonus
- $500
- Monthly fees
- $10/month unless waived
- Bonus after fees, before tax
- $470 to $500
Waived with: Waived in any month with a posted financial transaction or if an owner is under 26.
Up to $30 if you miss the waiver for about 3 months
Cash to keep in the account
$5,000 for 90 days
Is moving the money worth it?
Enter the APY that money earns where it is now. We'll subtract the interest you'd give up.
Months are estimated from the longest step, about 90 days. Your statement dates can change the count.
After the bonus
- Account type
- Checking
- Monthly fee
- $10/mo
- How to waive it
- Waived in any month with a posted financial transaction or if an owner is under 26.
- APY
- Not stated in the terms we reviewed
- Early closure fee
- Not stated in the terms we reviewed
- How to open
- At a branch
Eligibility
Where it's offered
- New Hampshire
- Massachusetts
- Rhode Island
- Connecticut
- Delaware
- New York
- New Jersey
- Pennsylvania
- Florida
Who can get it
New customers only. If you've had an account with Santander Bank, check the look-back period in the terms.
Open in a branch using a promotion code revealed on the offer page. Must be 18+; no owner may have a current Santander checking account or have held one in the past 12 months. Offer is limited to NH, MA, RI, CT, DE, NY, NJ, PA, and select Florida areas: Miami-Dade, Monroe and Broward counties, and ZIP 34141 in Collier County. One bonus per ownership group. Confirm the account opening minimum with Santander.
Terms and sources
Checked against santanderbank.com on Oct 9, 2026. Next check by Oct 23, 2026.
- santanderbank.com/pages/personal/checking-accounts-paCaptured Oct 9, 2026
Offer terms can change. Confirm current eligibility and terms with the bank before applying.