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 36th largest bank in the nation. It was established in 1907 and as of March of 2022, it had grown to 8,537 employees at 483 locations. Santander Bank, N.A has an A+ health rating.

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Santander Bank Offers Up To $600 In Checking Bonus - 1/5/2022

Santander Bank is currently offering up to $600 when opening a new Select Checking account. Available in CT, DE, MA, NH, NJ, NY, PA, RI, and portions of FL.

Santander Bank Offers $400 Checking Account Bonus - 9/11/2021

Santander Bank is currently offering a $400 bonus when opening a new Select Checking account. Available in CT, DE, MA, NH, NJ, NY, PA, RI, and portions of FL.

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4/2/17 - Santander Bank Extends $225 Checking Bonus
1/21/17 - Santander Bank Extends $150 Checking Account Bonus
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5/11/14 - RE: ACH Push To Santander Extra20 Checking
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4/14/09 - $100 Checking Account Bonus at Sovereign Bank - Update
1/18/09 - $100 Checking Account Bonus at Sovereign Bank
11/27/08 - 4.00% 9-Month / 4.25% 12-Month CD at Sovereign Bank
10/27/08 - $150 / $100 Checking Account Promotions at Sovereign Bank
6/24/08 - 4.06% 12-Month CD at a Texas Bank (Sovereign)
4/10/08 - $300 Business Checking Account Promotion at Sovereign Bank
4/3/08 - $150 / $75 Checking Account Promotions at Sovereign Bank
1/13/08 - Checking Account Bonuses ($100 Personal/$200 Business) at Sovereign Bank
6/19/07 - Checking Account Bonuses at Sovereign Bank
3/12/07 - $50 Checking/Savings Account Bonus at Sovereign Bank


Posted by: |

Recieved Mailer Notice dated 4.18.2016 - We are discontinuing extra20® checking and extra20® savings accounts. On July 1, 2016, your extra20® checking account will automatically change to a Simply Right Checking account and your extra20® savings account will automatically change to a Santander Savings account.

I have enjoyed this account and give Santander high marks for their bill pay service.

I wanted to let readers, who have a Santander Extra20® account, know that these changes are scheduled. For some reason I could not write a post under bank deals/rates.

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.

Horrible Customer Service - Never Again

Posted by: |

Many of the customer service representatives who answer 1-877-768-2265 will outright lie to you to get you off the phone or put you on hold and then hang up. I have one simple transaction pending that is taking weeks due to their exceptionally poor communication skills and customer service. I made at least ten phone calls to inquire about the transaction’s status. The last five or six phone calls, including two today, started with “please do not hang up on me.” Despite my pleadings, the representatives hung up on me immediately. Unfortunately, it is impossible to get past them to speak with a supervisor who can help with your problem. The only reason I scored Santander a 1 was because 0 was not an option. I am looking forward to never doing business with Santander again.



Health Grade Components

FDIC Certificate #29950
Year Established1907
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD4.64%
Annual Interest Income$522.3MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$95.90B$88.91B
LoansQ1 2022vs Q1 2021$52.33B$53.88B
DepositsQ1 2022vs Q1 2021$75.22B$73.20B
Equity CapitalQ1 2022vs Q1 2021$11.58B$11.89B
Loan Loss AllowanceQ1 2022vs Q1 2021$997.5MM$1.15B
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$451.5MM$521.1MM
Real Estate OwnedQ1 2022vs Q1 2021$4.3MM$5.1MM
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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

0.03%--Santander Savings Account

Santander Bank, N.A Money Market Rates

0.15%*$400k*-Santander Select Money Market Savings
OTHER TIERS: 0.10% $1 - $400k
0.05%*$10k*-Santander Money Market Savings
OTHER TIERS: 0.03% $1 - $10k

Santander Bank, N.A CD Rates

0.10%$500-15 Month Relationship CD


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