How much is a Santander overdraft fee in the US?

Simply Right Checking prints $15 for an item Santander pays, and not more than 3 of those fees a business day. The item returned fee is eliminated. The older fee Santander names is $35.

What is Santander Safety Net?

If a transaction overdraws the account by $100 or less, Santander does not assess the paid item fee for that item.

When is the second $15 charged?

The sustained overdraft fee is $15. It is charged on the 6th business day if the account has been negative for 5 business days in a row and the balance at the end of the first day was more than $100.

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Santander US overdraft fee

This page is Santander Bank in the United States, not a Santander bank in another country. Simply Right Checking prints the overdraft dollars. The monthly fee is on [how to waive the monthly fee at Santander](/guides/waive-santander-monthly-fee). The wider table is [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank).

Last updated: October 21, 2026

Last checked: Oct 2026

The $15 paid item fee

Opened 21 October 2026. The figures are from Santander's Simply Right Checking page. Santander says it lowered overdraft fees from $35 to $15 and eliminated the Item Returned Fee. The Insufficient Funds Item Paid Fee is $15. You will not be charged a Paid Item Fee more than 3 times per business day.

Safety Net waives that paid item fee when a transaction overdraws the account by $100 or less. The sustained overdraft fee is also $15. It applies when the account stays negative for 5 business days in a row and the overdrawn balance at the end of the first day was more than $100. Santander assesses it on the 6th business day. Whether an overdraft is paid is discretionary.

The page says more detail is in the Personal Deposit Account Fee Schedule. Use the number on your statement for a fee question. The 877-726-0631 number on this product page is for activating a debit card, not a fee quote.

The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.

Opened 21 October 2026. US dollars. Santander Simply Right Checking.
Line	What the page prints
Insufficient funds item paid	$15
Daily cap	Not more than 3 paid item fees a business day
Safety Net	No paid item fee if overdrawn by $100 or less
Sustained overdraft fee	$15 on the 6th business day
Item returned fee	Eliminated
Earlier paid item fee	Santander says it was $35

What is not this fee

Simply Right's monthly fee is $10, waived with one qualifying transaction in the calendar month or if any owner is under 26. A paper statement is $3. A domestic non-Santander ATM withdrawal is $3, or $2 if any owner is under 26. Those lines are not the $15 overdraft fee. Select and Essential are different monthly fees on the checking comparison. This page does not copy an overdraft dollar for those two accounts, because this product page does not print one.

Questions

How much is a Santander overdraft fee in the US?: Simply Right Checking prints $15 for an item Santander pays, and not more than 3 of those fees a business day. The item returned fee is eliminated. The older fee Santander names is $35.
What is Santander Safety Net?: If a transaction overdraws the account by $100 or less, Santander does not assess the paid item fee for that item.
When is the second $15 charged?: The sustained overdraft fee is $15. It is charged on the 6th business day if the account has been negative for 5 business days in a row and the balance at the end of the first day was more than $100.

Sources

Santander: Simply Right Checking

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