What is Santander Bank's monthly fee?

Santander Simply Right Checking has a $10 monthly fee, waived by posting any one transaction per month or if any account owner is under 26. Santander Essential Checking charges $4/month, waived by age (under 26 or 65+). Simply Right Savings charges $1/month, waived when linked to Simply Right Checking. Confirm current fees directly with Santander, as fee schedules can change.

How much does Santander charge for overdrafts?

Santander charges $35 per overdraft item, with a maximum of 3 overdraft fees per day ($105 maximum daily). This is higher than some competitors and does not include a grace period. Enrolling in overdraft protection from a linked savings account can avoid these fees.

Does Santander charge for non-network ATM use?

Santander charges $3 per withdrawal at non-Santander ATMs. The ATM operator may charge an additional surcharge (typically $2–$3.50) on top of Santander's fee. Santander does not reimburse non-network ATM fees on Simply Right Checking.

What are Santander Bank's wire transfer fees?

Santander charges $25–$30 for outgoing domestic wire transfers and $40 for outgoing international wires. Incoming wires may carry a $10–$15 fee. Confirm current wire fees before sending, as fee schedules can change.

Santander Bank Fees 2026: Monthly, Overdraft, Wire and ATM Charges

Santander Simply Right Checking carries a $10 monthly fee waived with one transaction, but its $35 overdraft fee is one of the higher among regional banks. Here is the complete Santander fee schedule for 2026 — confirm all figures directly with Santander before opening an account, since fee schedules can change.

Monthly Maintenance Fees

Account	Monthly fee	How to waive
Santander Essential Checking	$4	Account owner under 26 or 65+
Simply Right Checking	$10	Any 1 transaction/month, or account owner under 26
Santander Select Checking	$25	$25,000 combined balance and eligible investments
Simply Right Savings	$1	Link to Simply Right Checking

Overdraft and Returned Item Fees

Fee	Amount
Overdraft fee	$35 per item
Maximum OD fees per day	3 ($105/day maximum)
Returned item (NSF) fee	$35 per item
Overdraft protection transfer	$0 (from linked savings)

Santander’s $35 overdraft fee applies each time a transaction is paid when your account has insufficient funds. Up to 3 fees can be charged per day.

ATM Fees

Fee	Amount
Santander ATM	$0
Non-Santander ATM (Santander fee)	$3 per withdrawal
Non-network ATM fee reimbursement	None on personal accounts
ATM operator surcharge	Set by ATM owner (separate)

Wire Transfer Fees

Transfer type	Fee
Outgoing domestic wire	$25–$30
Outgoing international wire	$40
Incoming domestic wire	$10–$15
Incoming international wire	$10–$15

Other Common Fees

Fee	Amount
Stop payment	$30
Paper statement	$3/month
Cashier’s check	$10
Foreign transaction fee (debit card)	3% of transaction
Replacement debit card (standard)	$0
Replacement debit card (expedited)	$35
Money order	$5

How to Avoid the Most Common Santander Fees

Monthly fee: Make at least one transaction per month — any deposit, withdrawal, transfer, or payment qualifies; or note that the fee is waived automatically if an account owner is under 26
Overdraft fee: Link a Santander savings account for free overdraft protection transfers
ATM fee: Use Santander’s ~2,000 ATMs (own and partner network); avoid out-of-network cash withdrawals
Wire fee: Use ACH for non-urgent transfers (free, 1–3 business days)
Foreign transaction fee: Use a travel credit card abroad instead of your Santander debit card

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Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy