Santander Bank · U.S. checking accounts

Santander Simply Right Checking

Branch-based U.S. checking with a $25 opening deposit and a $10 monthly fee that can be waived with one qualifying posted transaction. Santander provides an in-branch route for nonresidents without an SSN.

Pros

In-branch application route for nonresidents without an SSN
One posted transaction per calendar month can waive the monthly fee

Cons

$10 monthly unless one qualifying posted transaction occurs during the calendar month or an owner is under 26.
$25 minimum opening deposit.
Paid overdrafts can cost $15, capped at three fees per business day; Safety Net waives fees for balances overdrawn by $100 or less.
Paper statements cost $3; paperless statements are free.
Two accepted IDs and address/contact details are required for the documented branch route.
Standard debit-card international transactions cost 4%; international ATM withdrawals cost $6, with Mexico Santander ATM exceptions. Third-party fees may apply.
A $15 sustained-overdraft fee can apply on the sixth business day when the first-day overdraft exceeds $100.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	10 (currency not confirmed)
Minimum opening deposit	25 (currency not confirmed)
SSN requirement	Conditional
ITIN accepted	Accepted
Credit check	NotStated

Fee waiver: A deposit, withdrawal, transfer or payment posted during the calendar month waives the $10 monthly fee. The fee is also waived when any account owner is under age 26. A $25 opening deposit and other account fees apply.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: For Simply Right branch opening, bring a valid government-issued photo ID such as a passport plus an accepted secondary ID, address and phone details, and the $25 opening deposit. Santander states that nonresidents can apply without an SSN or use an ITIN if they have one. Confirm the exact documents and branch availability for your status; opening is subject to verification and approval.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 17 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	15 (currency not confirmed)
Outgoing domestic wire	25 (currency not confirmed)
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · International USD outgoing wire $40. Incoming $13 (waived for Simply Right when an owner is under 26). Exchange and other-bank charges may apply.
Allpoint ATM	Not confirmed
Other ATMs	Domestic non-Santander ATM withdrawals cost $3, reduced to $2 when an owner is under 26, plus any owner charge.
Cash deposit	Not confirmed