Posted by sirtheta on February 17, 2017
Bank Account Bonuses Santander 225 Simply Checking Offer

Published on February 17th, 2017 | by sirtheta


Santander $225 Checking Bonus — Nationwide [READ FIRST PARAGRAPH]

Update: I am re-publishing this because Santander has been processing applications & deposits. You may find that the $150 offer is linked in your account disclosures (see this post), but a representative confirmed to me that the $150 offer being linked is a system error and that anyone who used the correct promotion code (WINTER225) after February 1 at midnight (eastern time) is registered for the $225 bonus.

Santander has had $225 to $350 checking account bonuses available by targeted mailer for a while. Now, reader XC has brought a public $225 checking offer to our attention, which looks like it has replaced the now-expired $150 offers (for the short while that it is valid).

Offer at a glance

  • Maximum bonus amount: $225
  • Availability: Nationwide
  • Direct deposit required: Yes, one or more totaling $500 (see what counts here)
  • Additional requirements: Account must be open for a minimum of 90 days
  • Hard/soft pull: Soft, see below
  • Credit card funding: Up to $500
  • Monthly fees: $10 – $35, waiveable
  • Early account termination fee: $25 if closed within 90 days of opening
  • Expiration date: March 31st, 2017

The Offer

Direct link to offer. Other direct link (redirects you to first link). You can open the account online (and do up to $500 in credit card funding) or print out a coupon using the above link and bring it in-branch to open. Note that Santander has not yet fully rolled out this offer — so, while there is a link for the Simply Right Checking account, there isn’t yet a direct one for the Basic Checking & Premier Plus Checking accounts even though they are also eligible.

  • Receive a $225 bonus by opening an eligible new checking account with the promo code WINTER225 and doing the following:
    • Receive direct deposits totaling at least $500 within the first 90 days, AND
    • Keep your account open for at least 90 days.

Santander 225 Simply Checking Offer

The Fine Print

  • Offer is not available if any account owner is a current deposit customer of Santander or had a Santander deposit account in the last 12 months prior to account opening.
  • Cannot be combined with other offers.
  • Eligible new account must be opened between 02/1/2017 – 03/31/2017.
  • In order to receive the bonus, the account must remain open and in the eligible product type at the time of bonus payout. In addition, the account must have a positive balance at the time of bonus payment.
  • Bonus is considered interest and will be reported to IRS on Form 1099-INT.
  • If multiple accounts are opened with the same signer, only one account will be eligible for the bonus.
  • Direct deposits include deposits made by your employer or a federal or state government agency or retirement benefits administrator and generally payments made by corporations or other organizations. They do not include deposits to your account that are made by an individual using online banking or an Internet payment provider such as PayPal.

Avoiding Fees

Basic Checking

There is a non-waiveable $3 monthly service fee.

Simply Right Checking

There is a $10 monthly fee that is waived when you make any financial transaction that posts during a calendar month*. Includes deposits, withdrawals, transfers or payments. Excludes fees, rebates or adjustments posted by Santander.

*based on the footnote “per service fee period”, you should interpret this to refer to a transaction posting during each statement cycle (as you would expect) — if your statement cycle does not match up with the calendar month.

Premier Plus

Not that I think anyone here is considering this account, but there is a $35 monthly fee that is waived by maintaining $75,000 in combined balances in deposits and investments held with Santander Investment Services, OR 6,000 in total monthly direct deposits.

Our Verdict

Considering that $150 seems to be their new standard offer, and that offer easily made our best bank bonus page, this is fantastic. Do note that it has a very limited lifespan (59 days) and that the overdraft protection agreement is quite confusing. You are forced to agree to it when applying online, but you’ll want to select “Some overdrafts” instead of “All overdrafts” to avoid the hard pull (fingers crossed). I’ve already taken the plunge, and I think this offer is worth your while. If you set up an online banking login during the application process, you can check the status of your application by logging in at this link.

Though I will likely keep the account around a while longer than 4 months, I see little reason to deviate from Will’s plan, as laid out in his $150 post:

  • Open a Simply Right Checking account (not Basic).
  • Fund $500 with a non-Citi/Discover/American Express card, preferably with a cash advance limit as close to $0 as possible. You may have success with Citi now-a-days.
  • Do a $500 direct deposit to meet the direct deposit requirement and waive the first monthly fee.
  • Withdraw however much you wish.
  • Do an automatic bill pay (to wherever) of at least $1, monthly, to keep the account fee-free.
  • Wait 90 days from account opening, then wait another 30 days for bonus to post.
  • Close account.

I imagine this will quickly be added to our bank bonus database. Please keep in mind that Santander has cracked down on what counts as a direct deposit, which is why you see PayPal specifically excluded. You can go here for Will’s excellent write-up on the subject and can view recent data points here.

Hat tip to reader XC.

Useful posts regarding bank bonuses:

222 Responses to Santander $225 Checking Bonus — Nationwide [READ FIRST PARAGRAPH]

  1. Mark says:

    DP Chase still works as ach. Cheers:)

  2. prussiablue says:

    Fourth bank bonus in 2017 already 🙂

  3. NoonRadar says:

    Previous offer (now expired) had this language: “Offer is not available to current or former Santander customers who opened a Santander checking account between 01/01/2016 – 12/31/2016”

    They have replaced it now with the usual lingo most banks have, indicating you aren’t eligible for the bonus if you’ve had an account in the last 12 months. I wonder if this is hard coded to prevent the bonus from auto-posting. I’ve closed their Extra20 checking (and savings) account less than 12 months ago, I’m guessing so have many of us. If someone decides to give this scenario a try and see if the bonus posts, please let us know in the comments. Thank you!

    • Peter says:

      I’m in the same boat. I don”t think it’s worth risking it, and since the offer will expire before we get any data points that means I’ll probably pass on this one. Oh well can get whatever offers they’re doing the 2nd half of the year.

    • sirtheta says:

      I personally would not want to chance it. While the terms are new for Santander, I think that makes it more likely they’ve spent time testing their system for determining eligibility.

      • Matt says:

        What’s the downside of chancing it?

        • sirtheta says:

          Chancing it would reset the 12 month clock, which is probably going to be a standard condition going forward. So you could be locked out of a future Santander bonus with nothing to show for it.

      • NoonRadar says:

        Putting that exclusionary verbiage on the terms will deter most and it costs the bank nothing. Making their computers to code this correctly takes some work and trials. Point being, just because the language is there it doesn’t mean it will work as stated. I’ve seen all kind of online technical errors and glitches from the non-huge banks, though I haven’t tested a scenario like this specifically.

        Having said that, yes one would risk resetting the 12 month clock by trying, in case they don’t get the bonus.

  4. Chris says:

    So for those of us who took the $150 public offer is there any chance they’ll match us to this if we request it, or are we out of luck? I await DPs.

  5. Raphael says:

    I signed up with the $150 offer less than a month ago (and haven’t received the bonus yet). Any chance they would match the new offer?

    • Ferris says:

      I just signed up last night :'( kill me

    • Larry says:

      I’m in the same boat as you though I applied only two weeks ago. I called Santander and they said they don’t match offers.

      You could try and maybe have a better result but believe we’re out of luck this time.

    • Jesse says:

      I just called and asked. They told me that because the offer wasn’t available when I opened the account, they wouldn’t be able to “correct” (my word, not theirs), the promo code applied to the account

  6. Superchurn says:

    Santander is the one and only bank I’ve never been able to get approved for. Autodenied every time. Are they particularly Chex sensitive?

    I’d love to squeeze $225 out of them if anyone has any ideas how to get approved.

  7. Eli says:

    Credit card funding with AMEX work for this (not seen as cash advance)?

  8. Curmudgeon says:

    Contrary DP: Funded checking/savings with Citi DoubleCash on 1/18/17. Posted as purchase (cash advance limit set to zero). This was my wife’s account.

    I think I funded mine with a Citi Hilton card, also posted as purchase (cash advance limit set to zero as well)

  9. Ray says:

    Hmm, I opened the account with the WINTER225 code as soon as I saw this post, but it was at 11PM PST as I am in CA…unfortunately, the timestamps on the documents (on the application status page) also say 11PM 1/31/2017 and I only see a disclosure with the $150 offer….

    I really hope the $225 offer went through…clearly this was one of those times I shouldn’t have jumped on the offer!

    • Jay says:

      In the same boat here. Time stamp says I applied 11:31 PM PST. Looking over the fine print the offer says 2/1/2017 – 3/31/2017. I also used the WINTER225 code. Here’s to hoping…

  10. Mser says:

    Is it standard to get this after applying? : “Thank you for sending us your application for the following product(s):

    Simply Right℠ Checking

    We will email you when we’ve processed your application. If you have any questions before then, just give us a call at 1-877-860-9753.

    Thanks and have a great day.

    Santander Bank, NA

    Santander Online Account Opening


    8:00 AM – 8:00 PM EST”

    Or have others rec’d automatic approvals online?

  11. NC says:

    What a bummer! I jumped on the $150 bonus just before it expired.

    Until next time.

  12. Ivan says:

    Notice of Adverse Action Based on Information Contained in Consumer Report
    Date of Action Taken: 2017-02-01

    We regret we cannot open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A.
    We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application.

    Is it worth opening in branch???? Or this has something to do with my Chexsystems? Anyone denied?

    • Superchurn says:

      this is exactly what my 2 rejections looked like. i’m pretty sure it’s a generic denial. when i called them, they said i could come talk to them in branch, but I live on the west coast.

      I suspect it’s a chexsystems issue

      very disheartening 🙁

    • B says:

      got same message. called them and said need to go to branch. I moved to new place 4 months ago, may be that’s why they not able to verify identity.

      I just used email coupon function and got code in the email and planning to go to branch this Saturday. Will update you then.

  13. Bob says:

    Any DP that Ally will trigger DD ?

  14. scwam says:

    F**K. Should have used a vpn like I thought. Perfect checksystem and credit. Go through the process and does all the 4 green check marks and “declined” due to lack of being able to verify into. Called to confirm and he ask where I was located – Japan. Should have known given I’ve had this happen before.

    • Superchurn says:

      if it makes you feel better, I applied twice using a US IP address and was declined for the same reason both times

  15. kalf8483 says:

    Anyone confirm no hard pull?

  16. John says:

    No mention about household restrictions?

    • sirtheta says:

      I’ve read the terms backwards and forwards, and there is no language about household restrictions. I don’t think anyone plans to do this (or expects differently), but by my reading of the terms, opening a joint account would exclude the additional account signer from getting their own bonus.

  17. Jack says:

    additional $50 referral bonus (removed link, don’t just randomly post referral links as it clutters the whole site)

    • Jack says:

      This can be combined with the current $225 offer

      • George says:

        the landing page from your referral link says $150 not $225 so not sure if it is worth the risk
        can you show some DP??

        • kalf8483 says:

          i dont see any information about $150, let alone the $225. I would suspect this link will not get you the sign up bonus

    • Michael says:

      Awesome, used the link. Thanks!

    • Ferris says:

      wow I really missed out

    • Nick says:

      Terms and conditions on the referral page say the referrer will get the $50 but the referee will not. The referee will get the highest of the offers they are eligible for ($50 or $225). Using a referral link is a good idea to help others but unless it is overlooked, you won’t get an extra $50. I don’t see any DPs posted yet.

    • Schmekel says:

      “additional $50 referral bonus (removed link, don’t just randomly post referral links as it clutters the whole site)”

      Is there one link posted here for the referral bonus?
      It’s necessary to use someone’s referral link to get this addition bonus.

  18. Mark says:

    Just got the $150 bonus yesterday on an account I opened in October 2016. Can I open a new account in my wife’s name for this offer, or will it get kicked out because the address is the same?? Thanks to all who have provided helpful info.

  19. Mark says:

    Non-Resident Alien doesn’t seem to be able to apply online

  20. Ugly says:

    Any recent DP for what could counts as direct deposit?

  21. Aki Das says:

    Dont think its nationwide.No go in MN online and via Phone.
    Their systems are unable to verify identities for some reason and the rep mentioned it might be just rejecting based on location.

    • Superchurn says:

      I had the same issue. But my wife signed up from the same IP in Oregon and hers went through fine.

      There’s definitely something odd going on for some people.

  22. Son says:

    So send money from my Chase account will work? Also, what if I open an account for my SO, but she doesn’t have a Chase account. Can I send money from my Chase account to her account?


  23. Matt says:

    Might I suggest using a portion of your tax refund as the direct deposit which would qualify. When you do your taxes you can enter more than one bank for your refund. Just make this one $500 and the balance in another. Just sayn…….there is your DD requirement.

  24. Anthony says:

    Anyone else with a DP on using the Fidelity Visa Rewards 2% card to fund the account?

  25. Jan says:

    Can I use a visa gift card to fund the account? Tahnks!

  26. dan says:

    if opening a savings acct, anyone was able to fund with CC for $500?

  27. dan says:

    anyone used the Spark cash CC to fund coded as purchase?

  28. joshua says:

    Declined, unable to verify identity. Rep said go to a branch but I live well outside their footprint.They were nice but offered no reasons or further options to proceed other than this. Said they could not access that system at this time… bla bla. Never had a checksystems issue before in dealing with many banks. So apparently a no go. Strange bank..

    • Superchurn says:

      its a common issue it seems…affected me too

    • Sara says:

      Happened to me too! Weirdest part is that the heading of the emails says “Notice of Adverse Action Based on Information Contained in Consumer Report”, but the email itself says it couldn’t verify my identify. How can they say that the decision is based on my report if they can’t verify my identify?! (Also, I just received my check systems record last week and there are 0 issues…) It makes no sense, and frankly, makes me suspicious.

      There is a Santander down the street, so I’m one of the lucky ones will resolve it.

  29. justdoit says:

    I really want to apply and refer some people as this looks like it may be Santander’s highest bonus. Do you have to live near a branch or in the same state with one to apply? Any way to do the DD without using a special credit card or employer or government check (many self-employed folks don’t have those so they’re being unfairly excluded). ACH transfer doesn’t work? Amazon Payments? If you sign up for, one of their payout options is “Payout by bank transfer – Direct Deposit.” Worth trying?

  30. Jeff H says:

    Both Wells Fargo and Fidelity Investments qualify DD. AFIK.

  31. Dan says:

    This bank denied me last summer but I was approved this time around. My guess is that they are like HSBC in that they are very sensitive to ID verification. I do not have an account yet but the application page that can be accessed from the link in the welcome email says approved.

    HOWEVER, it is showing $150 bonus tied to the account even though I used the WINTER225 code. We’ll see how that pans out.

  32. J.M. says:

    On the first page of the app I get to this check box:

    I authorize Santander to obtain my consumer report.*

    This is just authorizing the soft pull ChexSystems inquiry right? Page one doesn’t have anything about the overdraft so I assume that will show up on page 2 or later…

    I moved 7 months ago and wondering if I’ll get tagged by the CheckSystem check – the app isn’t asking whether I’ve lived at current address – not allowing me to enter old address.

  33. MarcoPolo says:

    Just my luck.
    I applied for this account few days ago and now the bonus has gone up by $75.
    On the bright side just got $250 freebie from Wells Fargo!
    Well you win some you lose some.

  34. MarcoPolo says:

    DP: I was able to fund $1000 ($500 each) as I also opened a Savings account along with the Checking.
    Funded with Chase Sapphire Reserve which posted as purchase.
    Still waiting to see if a transfer of $500 from Alliant (a family member’s account) will trigger the bonus or not.

  35. enigma says:

    Applied today and used coupon WINTER225.

    Still the account shows –

    $150 Online Checking Bonus Offer Eligibility Requirements
    Delivery Only: by xxx on 02/02/17 at 11:17 AM

    Anyone else facing the same issue.

    • Lenny Williams says:

      Still shows $150 Online Checking Bonus Offer Eligibility Requirements – attached to application as of 12:38PM, 2/3/2017

  36. Seriously says:

    someone may have said this already, or im being lied to, but i was just told their application processing system has been down for 2 days.

    • Schmekel says:

      I read the same thing on another forum 1-2 days ago – that cs told the poster that their application system had been down for a few days.

  37. E.M. says:

    $50 referral bonus if you register through this link [link removed]

  38. Ben says:

    Does anyone know if fidelity ach counts as direct deposit?

  39. John says:


    in-ter-es-ting spe-lling

  40. Mser says:

    Applied and “approved” 2/1 but 2/1 email says “We will email you when we’ve processed your application”.

    I presume everyone is still waiting for Santander to process our applications?

  41. Barb says:

    I used my Capital One Venture card to fund Santander with $500. I did not have to lower my cash advance credit and it posted under “other services” on my transactions.

  42. CGID says:

    The DoC recommends (in boldface) at the beginning of this post that we not apply to open an account until Santander has worked out some initial issues with this promotion.

    Is that advice still active? If not, and he feels everybody should have a complete green light now, does it make sense to take that warning down?

    • sirtheta says:

      As far as I have heard, Santander’s ability to process applications is not yet back up. (Mine, for example, is approved but has not yet been processed). I will definitely update the post once I’ve heard confirmation that they are up and running. (which should hopefully be soon, given that it’s been 5 business days!)

      • Bob says:

        Any update on this? Is it safe to open this yet?

        • Bob says:

          Back with DP: applied 2/10, failed verification questions after answering just one of them…”cannot verify identity, please go in branch.” But I don’t want to go in branch because I want to do CC funding for min spends! Ugh c’mon Santander, get your shizz together..

    • I’ll check with sirtheta, not sure what’s going on.

      • CGID says:

        Bob (immediately above, Feb 10) and also Mord1 further down (Feb 9) are asking whether you still want us to hold off on applying for a Santander account.

        Any thoughts from you or Sirtheta?

  43. Ani says:

    I tried to open the online and got “unable to verify your identity”. Email said I was denied. Today I went to local branch in DE. They opened the account for me. But when I used my Chase Sapphire Preferred for initial funding of $500, it was declined. Rep said it was a cash advance transaction. I had limit set up as $100.

  44. mord1 says:

    Can I apply now, or are we still waiting at this point? TIA

  45. Schmekel says:

    I applied 2 days ago, turned down again (was turned down for the lesser offer last month).
    Can’t verify identity (even though I answered all the multiple choice questions correctly).

  46. Eric says:

    Can anyone confirm that Robinhood transfer to bank count as direct deposit?

  47. Jesse says:

    Just app’d with a CSP $500 funding. CA limit is set to $20. Account says approved using the login link that sirtheta posted higher up in the thread. Says that I’ll be notified when the account is open.

  48. Marty says:

    So far in my application process, I’m only able to fund $99 into the checking, and $99 into savings. Any three digit number is automatically converted into a dollar and cents amount. i.e., if I enter $500, the system changes it immediately to $5.00. I’ve had this happen in both Safari and Chrome. Thoughts? Suggestions? Help???

  49. Devon says:

    Applied on 2/3 (week ago today) and application status still says “Under Review”

    • Devon says:

      And added DP, wife’s application from Tuesday 2/7 is now showing approved

      • Richard says:

        Where can you see the status after you applied? I haven’t received any communication from them after Wednesday when I applied, besides the “we’ll let you know once it has been processed.”


  50. J says:

    Just a DP. Funded $500 using Freedom Unlimited for 1.5% back in UR. I didn’t see any DP for CFU (only regular Freedom) so I thought it would be helpful.

  51. Josh says:

    Also declined. Annoying

  52. Samuel says:

    You can fund $1000 with a credit card if you open a savings account as well.

  53. Jesse says:

    The link sirtheta provided shows me as approved, but the $500 charge to my CSP fell off. I’m assuming it will come back once the account is “officially” approved, but annoying nonetheless.

  54. aJampot says:

    Just wondering if there is another bank account bonus with strict DD requirement as this. I wanted to get this bonus by sending my tax refund as DD. But my tax refund is over $1000 and therefore wanted to do another bank bonus offer with strict DD requirement which I can DD from my tax refund in addition this.

    Thank for the help and keep up the good work DoC.

  55. aJampot says:

    Thanks William.
    That’s what I am planning to do but want to know which bank has strict DD requirement similar to Santander’s?
    I mean where should I send the second part of the tax refund.

  56. Brendan says:

    Here’s a datapoint since I couldn’t find anyone stating that Bluebird DD works for Santander.

    Opened 11/4
    Bluebird DD 11/27
    Bonus Posted 2/14

  57. John says:

    This has to be the most novice bank of all time with all these still pending applications 2-3 weeks after applying.

  58. david says:

    is the bonus $250 ? fixed?

  59. Sherman says:

    I had applied online the same day WINTER225 promo code was offered.

    Called and they said account was approved but still haven’t received new account package nor have they posted the $500 CC deposit. They mentioned it can take 7-14 days to setup a new checking account?!?!?

    Does it really take this long?

  60. Mark O says:

    DP Just got paid my $150 bonus – took almost 90 days from deposit. Cap 360 worked as DD

  61. Mser says:

    Finally rec’d email saying “congratulations! Your Simply Right Checking has been opened”. This is for an application I made on 2/1. Still shows $150 bonus language (which expired 1/31 based on the info they show). Used the WINTER225 promo code when signing up, so hopefully these buffoons get it right.

    No wonder Santander is on the brink of BK all the time…

    • Nick says:

      Same here. Account opened today after applying 2/1 (1/31 in PST timezone). I still have the $150 disclosure. I had hope that they would fix the attached bonus when opening the account, but no such luck. Probably going to have to get $75 manually credited after 120 days…

    • Nick says:

      Got the email saying my account finally opened today as well after applying on 02/01. Says I need to send in the signature card for the checking and savings within 30 days or else they’ll close the account. Hopefully the process is smooth and they don’t screw over the customers by sending the packets late or for any other BS reasons

  62. chasejuggler says:

    Applied on 2/1/2017, approved on 2/16/2017.

  63. John says:

    Okay so I’ve always been confused about the language regarding keeping your account open for any period of time. When it says must keep account open for 90 days, is that 90 days from account opening or 90 days from first statement date?

    • Gmoney says:

      From opening unless otherwise stated. Once you hit the 90 days, it doesn’t hurt to let the next statement cut just in case. I’ve never had a problem with that though.

  64. Joe says:

    My application is still pending, but the Debit card funding is no longer pending and never posted. Rejected?

  65. P says:

    I can’t find that Hawaii is excluded. Is this bonus available in the 50 states and territories or just the lower 48 states and Alaska?

  66. L says:

    Finally got mine opened today for my S.O. It says $150 still but hoping the $225 gets honored. I emailed them to confirm it

  67. projectx says:

    10 days after applying the account and hearing nothing I finally called it. Good news: account is approved. Bad news: It will still be a few days before it’s “opened” and a few more days after that until I receive the welcome packet. Big backlog with the promotion.

    Interestingly enough, I learned it’s actually pronounced “Sahn-tahn-dare”. Who knew?

  68. Pat says:

    Tried online from TX, autodeclined due to identity not verified in spite of answering everything correctly and uploading id documents. But have also opened 4 bank accounts in the last 2 weeks, all were approved. Funnily, the first verification question was: “There are many bank cards in your name. Which of the following banks do you not have an account?” ha ha.

  69. Bhai says:

    So this is denial right?

    Notice of Adverse Action Based on Information Contained in Consumer Report
    Date of Action Taken: 2017-02-01

    We regret we cannot open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A.

    We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application.

  70. Mike says:

    Do an automatic bill pay (to wherever) of at least $1

    Why at least $1?


  71. Dan says:

    I guess I’ll be the guinea pig to find out if the 1 year previous account restriction is actually enforced. Worse comes to worst, I still got $500 free credit card spend

  72. nonimmigranth1b says:

    Just Applied. Under review. funded with $500 credit card.

  73. kalf8483 says:

    account finally opened. applied 2/1. is there anyway to login to the actual account? my username for the application doesnt work on their main website

  74. Joe says:

    Closed a business one with them last month, am I able to open the personal one and still get the bonus?

  75. Mark Schmidt says:

    Just applied and got declined… This is the first time I got declined applying for any card. “We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application.” I’m pretty sure my information is correct and I just applied for the Wells Fargo bonus and got approved. I don’t know what Santander is up to. 🙁

  76. anthonyjh21 says:

    Hell, I can’t even get the 12 month clock going because my two attempts of calling to close my extra20 checking have been a waste of 40+ minutes. Was on hold one call over 25 min and wish 20 on the second. I know this isn’t related to this post but does anyone know of a more dedicated number to call to close it down? They’re getting up there with Citibank as far as difficulty of closing an account.

  77. Ma0Zed0ng says:

    Just opened an account today (2/17/17 pst) and the charge imminently showed up on my citi double cash.

  78. Sim says:

    My application was Declined in HI. It is not nationwide ( ; _ ; )

    • P says:

      I’m in HI and just applied today. Application is pending and charge on my CC is pending. How long ago did you apply?

    • P says:

      It appears this is the case. I have not gotten the official denial yet, but the 2/17 pending charge on my Fairmont card just disappeared and didn’t post. I’m a bit disappointed, but there are plenty of other offers. I’ll just have to make a note on my spreadsheet that Santander bonuses are no-no for Hawaii residents in case I mistakenly apply for another Santander offer in the future.

      • P says:

        Interestingly the difference between my total credit limit and available credit limit (less posted transactions) is exactly $500. i hope this has something to do with the fact that there’s a limbo between pending to posted with Chase cards. I hope the $500 ascend from Purgatory into Heaven and not Hell. Hahaha

      • P says:

        Nope it didn’t post, but the online status has not been updated yet. Still says approved (kinda)
        Submitted Applications
        We are processing your applications. We will notify you once we are done.


        Simply Right℠ Checking
        Approved. You will be notified once the account is opened

  79. tton13 says:

    So does the tax refund satisfy direct deposit?

  80. EBF says:

    Anyone know if the “last 12 months prior” is by month or day? I closed my last account with them March 15, 2016! Should I try to get in on this one before 3/31, or play it safe and hope for another deal in April?

    “Offer is not available if any account owner is a current deposit customer of Santander or had a Santander deposit account in the last 12 months prior to account opening.”

  81. Superchurn says:

    Has anyone tried doing a Bill Pay instead of an ACH push to the account? I’ve never tried such a thing before, and wondering it it would count as a DD

    • Ferris says:

      sometimes when you do a bill pay to another institution it’s carried out through mailing checks. so it might not count since it would literally just be a check deposit.

  82. Mario says:

    Is this offer valid for customers in California?

  83. Steven says:

    I had a problem with Santander where they kept trying to send autopays to my Amex card after the account was closed. For month 6, after the regular ACH pays failed, they sent a check from my closed account. Obviously the check bounced and Amex charged me a fee. Argued with Santander who said none of this was their responsibility and I’d have to pay the fee from Amex. Their solution was to plead with Amex to get them to waive the fee due to Santander’s screwy autopay system.

    So the lesson here is to make damn well sure you’ve canceled all autopays before closing your account. I won’t even be setting up an auto pay through them just to avoid this in the future.

  84. P says:

    I finally got to read all the comments on this thread. I was holding off applying because I wasn’t sure when I’ll be able to do the DD requirement, but since a lot of people have reported taking two weeks to process, I went ahead and did it. Hopefully gets approved.

    • MarcoPolo says:

      I too am holding off applying due to delay and now the glitch about only $150 showing instead of $225.
      I’ll wait few more days hoping they’ll fix the glitch but have to agree that this bank is very slow.

  85. Bob says:

    In-branch DP: denied online just like all of you for verification failure. Banker at branch said the app doesn’t go through at all if you fail the questions, which I hope translates into no Chex inquiry on the first try! No problems opening up in branch, confirmed bonus requirements of total DD of $500 (can be multiple). He did ask if I got the bonus offer email from the bank and I said yes but he didn’t ask to see it, just said to have it on file and not delete it before the bonus posts.

    TL;DR: If you fail verification, go into the branch and it works without a blip. Their system just sucks. I can live with not maximizing on the $500 CC funding.

  86. Gmoney says:

    Applied 2/2, application said approved but account not opened. Just notified today 2/20 that it’s opened. I also checked my Chase Sapphire Preferred and there are some charges from Santander pending for my opening deposit (though they look odd. one for $500 and one for -$1000…I opened up both checking and savings so I should have two $500 charges). I’ll update when/if they go through.

    I assume we have to wait for the packet to come in the mail in 7-10 days to be able to set up online banking. Anyone have success opening without? I assume you can do it if you call them, but this is actually for my wife, so I don’t want to make her call.

    • Gmoney says:

      I also feel sorry for those working in the back office on a bank holiday. I used to work for a bank and bank holidays were the best part of working there. I don’t have that privilege anymore.

  87. Vince says:

    DP: Applied 2/2, Received email that account has been opened 2/20. Welcome packet on the way 7-10 days. California.

    Are there more data points on using Wells Fargo to satisfy the $500 direct deposit requirement?

  88. David Ann Arbor says:

    After making sure that my Citi Double Cash Bonus, has a $0 Cash advance limit, I used that card to fund both a Simply Right Checking with this promotion for $500 along with the Savings account for another $500. That’s a $20 bonus just using this credit card.

    I successfully submitted the application tonight, and it’s pending review.

  89. Daniel says:

    haven’t really done bank bonuses before… Any issues with opening an account in my name then followed by opening an account in my wife’s name?

  90. M says:

    DP: Initial $500 deposit with Citi AA Plat personal coded as purchase.

  91. Nick says:

    I received my paperwork today after applying and being approved on 1/31 PST. I did not receive documentation about the bonus, but some others on Reddit have received addendums mentioning the $225 bonus. I would appreciate any other DPs to see if my situation is unique.

  92. NBG says:

    What is the need for opening a savings account?. Is it just for CC points/rewards when funding thru it?.

  93. Mike says:

    No go for my SO.
    Notice of Adverse Action Based on Information Contained in Consumer Report
    Date of Action Taken: 2017-02-21

  94. John says:

    Arrival+ coded as purchase! $500 checking and $500 savings.

  95. David Do says:

    received everything last week but was on vacation. got letter in the mail stating “how to earn your $225 account opening bonus with your new checking account” but i will double check tomorrow.

    • Nick says:

      Was this included with your welcome packet or did it come separately? I did not receive this, but support isn’t helping very much.

  96. Sherman says:

    Data Point: $500 credit card deposit posted as Purchase using Citibank Costco Visa

  97. Paul says:

    Applied 2/5, email received today that account finally opened.

  98. Vivian says:

    My husband and I currently have a joint premier checking account in Santander. He is not the primary account holder. Is he still considered as a new customer and qualified for this opening bonus?

  99. Mike says:


    You do not qualify for the product you requested. We sent an email to [email edited] with more details.

    Email: We were unable to verify your identity or other personal information at the this time. Please visit a branch.

  100. Laura says:

    BOA Alaska card codes as purchase. I opened a checking for $500 and a savings for another $500 with this card

  101. David Ann Arbor says:

    Hey everyone get a free LexisNexis report on yourself so that you answer you identity questions correctly and then you won’t be getting these “Adverse Action” responses.

  102. Dan says:

    Tried 3 times – declined because identity questions would not populate…

  103. Luke says:

    You will get a packet in the mail that confirms if you signed up for the $225 bonus.

  104. cf says:

    I applied on February 6. I checked my application status, and I’m approved, but I’ve still received no new information. Must be swamped.

  105. Josh says:

    I applied on the 3rd. Just got a email today that my account has been opened.

  106. NN says:

    Applied on 2/4. Funded $500 via CC which originally showed as pending. Eventually it fell off completely. Received email yesterday that account was opened and packet on the way, but the $500 charge hasn’t reappeared. Anyone have any experience with whether or not that original $500 charge will go through at this point, or whether I am just out of luck in terms of CC funding?

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