Santander Bank, N.A

Overview / Commentary
824 North Market Street, Suite 100
Wilmington, DE 19801

Santander Bank, N.A is headquartered in Wilmington and is the 4th largest bank in the state of Delaware. It is also the 35th largest bank in the nation. It was established in 1907 and as of December of 2020, it had grown to 8,866 employees at 580 locations. Santander Bank, N.A has an A health rating.

Related Posts

Santander Waiving Early Withdrawal Fees For CDs - 3/21/2020

For our Retail Bank Customers: We are providing assistance in a number of ways including: helping those experiencing difficulties with loan payments; waiving fees associated with early CD withdrawals; and increasing cash availability limits at ATMs.

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Great Bank-Great People-Great Service (Happy Since Day 1)

Posted by: |

Dear All,

I can say that over the years I've almost always gone to the same Santander Bank location (Swampscott). I have had the privilege of working with the same people year after year who all smile and know me by name. The management from Aaron Siegel to Justin Sacco have always gone above and beyond for us small business owners. The guy I call Mr. Big time Peter and the two ladies at the front Katherine and Yania are all top shelf as well. If I ever have a problem the buck stops here. I always get 110% from these folks.

Happy Customer!!!


Convenient Locations

Posted by: |

I've been with this bank for the past seven (7) years, with a few different accounts. I have never run into any problems with them, even through the inevitable changes that all banks tend to make to their policies. If anything they were a little too proactive in letting its members know of changes that were occurring and explaining what to expect. Their customer service has always been friendly and helpful. I always enjoy my experience when I do have to venture inside of the actual bank. In my area there are a good amount of branch buildings as well as ATMs in every CVS, which is a plus if I need cash quick. I would definitely recommend this bank to anyone.

Have To Keep Opening New Accounts To Get Advertised Rate

They will give you advertised rate . It will decrease within six months. When you notice rate has decreased ( They hope you will not notice) you call the service center. Service center can not give advertised rate. You go to branch. Branch manager will close your account and open new one to give you advertised rate again.You have to repeat it every few months.


Santander bank promises to protect their customers and our money. Two weeks ago while making legitimate purchases in my city of Brooklyn NYC, Santander bank shut off my debit card THREE times in 2 days and I had to verify my purchases. How embarrassing. However, a week later, somebody "skimmed my card and made over $500 of unauthorized purchases 800 miles away in Philadelphia PA. Not only did Santander bank not notify me, shut off my card, but allowed these purchases and told me to file a claim with them. After filing the claim, Santander Bank decided to only give me $25.00 back from the fraudulent purchases. This is an insult to me and every customer who decided or will decide to use this bank. DO NOT USE SANTANDER BANK! SANTANDER BANK WILL NOT PROTECT YOUR MONEY. I asked to speak to a manager and my request was denied. I have now spent over an hour and a half on hold trying to speak to a manager.No one will help me. DO NOT BANK AT SANTANDER. THIS BANK IS THE WORST!!!


Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Santander Bank, N.A has a negative return on equity.

Health Grade Components

FDIC Certificate #29950
Year Established1907
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-2.03%
Return on Equity - YTD-14.02%
Annual Interest Income$2.38B
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$89.50B$84.67B
LoansQ4 2020vs Q4 2019$54.05B$54.84B
DepositsQ4 2020vs Q4 2019$73.72B$61.59B
Equity CapitalQ4 2020vs Q4 2019$11.92B$13.68B
Loan Loss AllowanceQ4 2020vs Q4 2019$1.23B$533.5MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$487.0MM$412.0MM
Real Estate OwnedQ4 2020vs Q4 2019$6.3MM$15.7MM
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Always verify rates and promotions with the bank or credit union. We are not Santander Bank, N.A; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Santander Bank, N.A Savings Account Rates

0.03%--Santander Savings Account

Santander Bank, N.A Money Market Rates

0.35%*$400k*-Santander Select Money Market Savings - New Money
OTHER TIERS: 0.15% $1 - $10k | 0.20% $10k - $50k | 0.25% $50k - $100k | 0.30% $100k - $400k
0.35%*$400k*-Santander Select Money Market Savings - New Money Introductory Period
OTHER TIERS: 0.15% $1 - $10k | 0.20% $10k - $50k | 0.25% $50k - $100k | 0.30% $100k - $400k
0.25%*$100k*-Santander Money Market Savings - New Money
OTHER TIERS: 0.10% $1 - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k
0.25%*$100k*-Santander Premier Plus Money Market Savings - New Money
OTHER TIERS: 0.10% $1 - $10k | 0.15% $10k - $50k | 0.20% $50k - $100k

Santander Bank, N.A Checking Account Rates

0.01%--Santander Premier Plus Checking

Santander Bank, N.A CD Rates

0.15%$100k-18 Month Jumbo Relationship CD
0.15%$500-18 Month Relationship CD
0.10%$500-15 Month Relationship CD
0.10%$100k-15 Month Jumbo Relationship CD


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