Santander USA typically charges an overdraft fee when an account holder spends more than the available balance in their account. The fee tends to be around thirty-five dollars per transaction for overdrafts, with a limit on the number of occurrences per day. It is important to note that this fee may vary based on the account type and the specific terms attached to it. Additionally, some customers may have the option to enroll in an overdraft protection program to help prevent these fees. To obtain the most accurate and up-to-date information regarding overdraft fees specific to an individual's account, it is advisable to refer to the official Santander USA website. There, one can find detailed information about fees and policies directly related to their account type.