Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $10(Verified 01/21/2026)
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Santander Bank Simply Right Checking Review
The Santander Bank Simply Right Checking is offered by Santander Bank, a bank founded in 1857 and based in Boston, MA. Santander Simply Right checking is available in 50 states and Washington, DC.
Key Takeaways
- 0% APY. As with most checking accounts, Santander Bank Simply Right Checking does not pay interest.
- Charges a monthly fee. This account charges a monthly fee of up to $10.
- No ATM fees. Santander Bank Simply Right Checking does not charge fees on ATM transactions within its network but there is a fee of $3 for out-of-network ATM transactions .
Santander Simply Right checking Pros & Cons
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Santander Simply Right checking FAQ
Are checking accounts from Santander Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #29950). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Santander Simply Right checking offer?
Santander Simply Right checking is not an interest-bearing account.
What are the account minimums for Santander Simply Right checking?
Santander Simply Right checking requires a minimum initial deposit of $25.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Santander Simply Right checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $10.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $13 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Santander Simply Right checking charge overdraft fees?
Yes, Santander Simply Right checking charges a $35 fee for every overdraft.What features and perks does Santander Simply Right checking offer?
This account includes the following features:
- Fraud monitoring - Santander Simply Right checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Mobile Banking Services - Santander Simply Right checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
What is the customer support email for Santander Simply Right checking?
The customer support email for Santander Simply Right checking is customerrelations@santander.us.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Santander Simply Right checking
Hours of Operation
Sunday
8:00AM - 8:00PM
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
8:00AM - 8:00PM
Friday
8:00AM - 8:00PM
Saturday
8:00AM - 8:00PM
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-50
-1000+100
No one recommends
Everyone recommends
Santander Bank Simply Right Checking Community Reviews
Would you recommend Santander Bank Simply Right Checking to your friends?
SP
Sofia P.
Jun 30, 2022
May or may not recommend
I used this bank for my checking account when I was abroad in Spain. I was very useful with all the locations and ATMs available. The fees were a little outdated but it was very reliable being out of the country. The customer service was always friendly.
Leigh W.
Apr 24, 2022
May or may not recommend
I don't have much experience with their checking accounts but they help with auto loans which I wouldn't recommend. I had to refinance since the interest was about 20%. Most reviews from others experiences are negative as well.
Ossiana T.
Oct 13, 2020
May or may not recommend
Ughhhhh....Where do I begin? The ultra-high banking fees? The fact that I'm pretty sure I've seen newer technology in the Museum of Natural History? The fact that they just don't seem to have their ish together? I don't know how this bank is still in business. I closed my account with them.
Megan P.
Mar 4, 2019
May or may not recommend
I’ve had more than one occasion where my money went missing. So I finally went in to ask what is up. Well they don’t help not even the manager. They’ll admit you’re right then back track and say they don’t get what you’re saying the next minute and they can’t help you unless you have paper receipts . I don’t get paper receipts anymore; I thought I could trust my ...Show More
Showing 4 of 4 reviews
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