Santander Individual Development Account (IDA)

$0 a year on $10,000. No monthly fee. $10 to open.

Checked Nov 1, 2026Updated Oct 22, 2026

A year on $10,000

Monthly fee

To open

In dollars

What it earns in a year

Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.

In the bank’s words

Terms

Fees

Monthly fee: Noneassets.santandermedia.com, checked Nov 1, 2026
Minimum to open: $10assets.santandermedia.com, checked Nov 1, 2026
Overdraft fee: $15assets.santandermedia.com, checked Nov 1, 2026
Returned item (NSF) fee: Noneassets.santandermedia.com, checked Nov 1, 2026
Overdraft transfer fee: Noneassets.santandermedia.com, checked Nov 1, 2026
Most overdraft fees in a day: 3assets.santandermedia.com, checked Nov 1, 2026
Out-of-network ATM fee: $3assets.santandermedia.com, checked Nov 1, 2026
International ATM fee: $6assets.santandermedia.com, checked Nov 1, 2026
Foreign transaction fee (debit card): 4%assets.santandermedia.com, checked Nov 1, 2026
Incoming domestic wire: $13assets.santandermedia.com, checked Nov 1, 2026
Outgoing domestic wire: $25assets.santandermedia.com, checked Nov 1, 2026
Outgoing international wire: $40assets.santandermedia.com, checked Nov 1, 2026
Paper statements: Noneassets.santandermedia.com, checked Nov 1, 2026
Cashier’s check: $10assets.santandermedia.com, checked Nov 1, 2026
Stop payment: Noneassets.santandermedia.com, checked Nov 1, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Not all of this account’s figures are on record yet (rate missing). Report a mistake · How we make money

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