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 September of 2019, it had grown to 9,911 employees at 591 locations. Santander Bank, N.A has an A+ health rating.

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Why a check was not cashed.

I called the main office of my bank. I had a check that was not cashed . The customer representative was a very pleasant woman. She did a lot of research and looked into why this check was not cashed. She informed me to call the place where I wrote the check out to. She said that they will probably have the reason why they are not cashing it. So I did as she asked and called the company that I wrote the check out to. Sure enough they were not going to cash it and they were in the process of sending it back to me. They informed me that the amount of the check was incorrect. So I had a good experience with my customer representative at the bank, because she gave me the correct information, and I got everything taken care of.

Convenient Locations

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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.

Wrong Exchange Rate, Bad Customer Service

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Santander bank is known for good customer service, but recently, I was disappointed with Santander Polish division. On January 3rd, 2020 I transferred 10K USD$ from Guatemala to Euro account at Santander Bank Polska S.A. Instead of using the regular exchange rate USD -> Euro 0.9, they dropped it to 0.83. We lost 600 USD$. I complained to the bank regarding this but it looks like they hoped we wouldn’t notice. Two weeks later I still have never heard back from them.
While, the Santander Bank Polska S.A. needs months to “investigate”, the Guatemalan bank was able to give an overview of the transaction within 15 minutes. It showed that there are no extra charges by Guatemalan or intermediary American Bank Wells Fargo and the 600 USDS$ was taken by the Polish bank.
The bank took nearly 7% of the total transaction value. Taking a plane and delivering this money in person would cost about the same. It is hard to believe that the Santander Bank Polska S.A. would take money needed for a surgery send by a daughter to a small personal account of elderly mother. We will be closing the account.



Health Grade Components

FDIC Certificate #29950
Year Established1907
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD2.42%
Annual Interest Income$2.14B
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$83.54B$74.20B
LoansQ3 2019vs Q3 2018$54.74B$49.37B
DepositsQ3 2019vs Q3 2018$60.36B$55.85B
Equity CapitalQ3 2019vs Q3 2018$13.80B$13.24B
Loan Loss AllowanceQ3 2019vs Q3 2018$536.3MM$531.0MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$447.5MM$521.8MM
Real Estate OwnedQ3 2019vs Q3 2018$18.5MM$21.3MM
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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

1.40%*$50k*-Santander Premier Plus Money Market Savings - New Money Introductory Period
OTHER TIERS: 0.15% $1 - $10k | 1.15% $10k - $50k
1.40%*$50k*-Santander Money Market Savings - New Money Introductory Period
OTHER TIERS: 0.15% $1 - $10k | 1.15% $10k - $50k
1.40%$1-Santander Select Money Market Savings - New Money Introductory Period
1.20%$1-Santander Select Money Market Savings - New Money
1.00%*$100k*-Santander Money Market Savings - New Money
OTHER TIERS: 0.15% $1 - $10k | 0.70% $10k - $50k | 0.95% $50k - $100k
1.00%*$100k*-Santander Premier Plus Money Market Savings - New Money
OTHER TIERS: 0.15% $1 - $10k | 0.70% $10k - $50k | 0.95% $50k - $100k

Santander Bank, N.A Checking Account Rates

0.01%--Santander Premier Plus Checking

Santander Bank, N.A CD Rates

1.55%$500-15 Month Relationship CD
1.55%$100k-15 Month Jumbo Relationship CD


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