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Santander Student Value Checking Review (Ages 14 – 25)

Diana Mason by Diana Mason
August 10, 2020 12:00 am CDT
in Banking
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The Santander Student Value Checking account has no monthly fee and no minimum balance, but there’s much more to this account than meets the eye. Check out what’s good, what’s bad, and our impressions below.

*See the best Student Checking Accounts compared

Current Sign-Up Promotions?

[Expired] Santander Student Value Checking $50 Bonus

Open and use a new Student Value Checking account to earn a $50 bonus with this offer.

  • $50 bonus offer expires 12/31/2020
  • Use promo code STUDENT50
  • The Student Value Checking account is eligible for the offer
  • Offer is only available to residents of NH, MA, RI, CT, DE, NY, NJ, PA, or FL.
Learn More at Santander

This account does qualify for Santander’s referral program that doesn’t have a set expiration date. You can read about the referral bonuses program and other Personal and Business Checking offers at this Santander Bank promotions page.

As an alternative, another great college student Checking account with a sign-up bonus is the Chase College CheckingSM (read about it’s features and bonus offer here).

Featured Student Checking Promotion

TD Bank Convenience Checking℠
$200bonus
  • Students 17-23
  • 1300 Branches
  • No Monthly Fee
  • Read Our Review
Learn More

Chase First Banking℠
  • Students 6-17
  • 4700+ Branches
  • No Monthly Fee
  • Read Our Review
Learn More


Santander Value Checking Requirements

To opt in, you’ll have to be between 14 to 25 years old (with a legal guardian as co-owner for those under 18). Proof of enrollment in a college, university or other undergraduate-level school is required.

Santander Value Checking Details

The GoodThe BadThe Fees

No Monthly Fee

Ever! There’s nothing you have to do!

No Minimum Balance

The minimum opening deposit is a mere $10, and there’s no minimum balance after that.

Mobile Banking

Make deposits, send transfers, and set customizable alerts at your convenience from your phone or laptop.

Apple Pay

Santander’s debit and credit card are compatible with Apple Pay, a simple and secure way to make purchases and send or receive money.

Savings Account Benefit

By having the Santander Student Value Checking account, monthly fees are waived on Santander Savings and Santander Money Market Savings accounts.

Few ATM & Branch Locations

There are a limited number of Santander ATM & branch locations in the United States compared to big banks like Chase and Wells Fargo. You’ll find over 600 branches across Connecticut, Delaware, Florida, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island.

Santander Branch Locations

No Yield on Deposits

As with many student checking accounts, don’t expect to earn interest on your deposits.

USAGEFEENOTES
Domestic non-Santander ATM$2Includes ATMs in Puerto Rico as well.
International ATM$6Waived at Santander ATMs in Mexico
Paper Statements$3Per statement.
International Debit Card Transaction4%For international cash withdrawal or purchase using your debit card.
International ATM Card Transaction3%For international cash withdrawal using your ATM card.
Replacement Card – Expedited$30 
Insufficient Funds$35Per item returned on item paid (max 6 items per business day).
Sustained Overdraft$35Applies to accounts in the red for 5 consecutive days.

Bottom Line

While the Santander Student Value Checking offers a handful of no-fee, no minimum goodies, what it lacks is a robust physical presence in terms of ATMs and branches. However, in this tech age with mobile banking and Apple Pay at your fingertips, there’s little need to have cold hard cash in your hands.

What’s more, Santander Student Value Checking has the unique feature of fee-free incoming international transfers. It’s the perfect account for international students studying in Santander’s service area and regularly receiving money from mom and pops back home.

More Student Checking Reviews
  • Chase College Checking℠ Account $100 Bonus – Ends 7/19/23
  • Best Student Checking Account Offers of May 2023
  • TD Bank Student Checking Review: Free Checking For Students Under 24
  • U.S. Bank Student Checking Review: No Fees, No Minimums
  • Capital One 360 Money Account Review: Checking Account For Ages 13 To 17
  • Santander Student Value Checking Review (Ages 14 – 25)
  • BB&T Bank Student Checking Review (Students Age 23 & Younger)
  • SunTrust Essential Checking For Students (High School, Technical School, College)
  • KeyBank Student Checking Account Review (Students 16 To 24)
  • PNC Bank Virtual Wallet Student: Unique Features At Your School
  • Wells Fargo Teen Checking & Everyday Student Checking Review

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Tags: santandersantander student value checkingstudent checking
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Diana Mason

Diana Mason

Diana's passion for travel eventually led to her separation from the 9 to 5 office life and into the arms of freelance work. Cali-born and Philly-bred, she's a creative professional with a delightful knack for words. When she's not gallivanting across the globe, Diana can be found writing (of course), teaching yoga and dreaming of her next big adventure.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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