Santander Bank, N.A


Overview / Commentary
302-654-5182
824 North Market Street, Suite 100
Wilmington, DE 19801

Santander Bank, N.A is headquartered in WILMINGTON and is the 3rd largest bank in the state of Delaware. It is also the 31st largest bank in the nation. It was established in 1907 and as of March of 2025, it had grown to 5,407 employees at 401 locations. Santander Bank, N.A has an A health rating.

Openbank Just Updated Their Cell Phone App

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For you poor suckers like me Openbank by Santander just updated their cell phone app. You won't be able to log on with your old app, but simply go to your Apple or Android site and install the new openbank app, then click on "update". I had just transferred some money to my Openbank Account last night and this morning spent some nervous hours as I couldn't get onto my account. Just now called them and they have a recording about the app update. I did the update and was right back on my website.

Openbank Not Open Bank

Beware 4.75% becomes 4.40% on the day you make your deposit and it will take you two weeks to get your money back

Openbank Savings - Bait And Switch

Bait and Switch - Their online bank - OpenBank - offered a high rate to start, and then after a month dropped the rate significantly to lower than the rate of all my other savings accounts.

It was very hard to confirm on my phone every time I wanted login on my PC. It wasn't just a regular click on confirm, or fill out a 6 digit code - they did a weird way where you have to actually login to your account on the phone app and then approve.

Should Not Be Listed On Depositaccounts.Com

This bank does not offer online cd's. From their website "Certificates of Deposit and Individual Retirement Accounts can only be opened in branch. "

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Health

Health Grade Components

Overall
FDIC Certificate #29950
Year Established1907
Employees5407
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.28%
Annual Interest Income$1.14B
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$104.6B$102.2B
LoansQ1 2025vs Q1 2024$49.77B$54.02B
DepositsQ1 2025vs Q1 2024$80.78B$76.41B
Equity CapitalQ1 2025vs Q1 2024$12.84B$11.92B
Loan Loss AllowanceQ1 2025vs Q1 2024$1.28B$1.48B
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.06B$800.7MM
Real Estate OwnedQ1 2025vs Q1 2024$54.4MM$19.4MM
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$0-Santander Savings Account

Santander Bank, N.A Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$0-Santander Money Market Savings

Santander Bank, N.A CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$500-Business 9 Month CD
3.50%$500-13 Month CD
3.50%$500-17 Month CD
3.25%$500-Business 3 Month CD
3.00%$500-Business 6 Month CD
3.00%$500-Business 12 Month CD
3.00%$500-6 Month CD
0.25%$500-Business 24 Month CD
0.25%$500-Business 15 Month CD
Locations

Availability



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