Santander Bank $400 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Santander Bank offers $400 for $5k DD in 90 days. Available in 9 Northeast states. Must keep open 90 days.
Who This Checking Bonus Is Best For
Northeast residents who can route $5k in DD over 3 months.
How to Maximize This Bonus
Open checking and route $5k in DD within 90 days. Keep open 90 days minimum.
Pros
Cons
How This Compares to Other Bonuses
Similar to Chase ($400 for $1k DD) but harder. Do Chase first, then Santander if you're in a covered state.
Frequently Asked Questions
Which states have Santander?
CT, DE, FL, MA, NH, NJ, NY, PA, RI.
Related Bonus Reviews
Full Requirements
$5,000 DD in 90 days. Must keep open 90 days. Expires Sept 30, 2026.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
New Santander checking customers only.
Apply
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