Santander Savings | Santander Bank (2024)

Waivable Monthly Fee

Enjoy a waived Monthly Fee when you have any Santander checking account.

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Bank anywhere, anytime

Manage your account whenever and wherever you want with our Mobile Banking App.

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Mobile Banking App

Unlock on-the-go features with our highly-rated Mobile Banking App.

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Online Banking

Manage your money securely by enrolling in Online Banking.

How much could my savings be worth?

See how your deposits can contribute to greater savings over time.

Emergency savings

Are you prepared for an emergency? Discover the importance of emergency savings to your financial future.

Money market vs. savings

Learn about the differences between a money market savings account and a savings account to see which one is right for you.

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^*Per service fee period.

^†Domestic ATMs are ATMs in the 50 United States, the District of Columbia, and Puerto Rico. ATM owner may charge a separate fee.

^‡0.03% Annual Percentage Yield (APY) is available when you open a Santander^® Savings account. This is a variable-rate account and the rate may change at any time. Rates shown are in effect as of today. Fees may reduce earnings. A minimum deposit of $25 is required to open a Santander^® Savings account. Personal accounts only. The Monthly Fee is waived when you have any personal Santander^® checking account or an average daily balance of at least $100 (otherwise, $1). All other fees apply. Contact a banker for further information about applicable fees and terms.

^**U.S. checking or savings account required to use Zelle^®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle^®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

^††If you share your device with other individuals, please note any fingerprints or face image stored on your device may be used to log in to the Santander Mobile Banking App and access your account.

^‡‡Digital Banking Guarantee: When you use Online Banking, we guarantee that your money is protected against online fraud or losses and that your bills will be paid on time. You are protected against unauthorized online transactions as long as you check your statement and promptly notify us of any unauthorized activity. Refer to your Digital Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions, as well as a list of supported mobile devices.

^§§If a transaction causes your account’s balance to be overdrawn by one hundred dollars ($100) or less, we will not assess any Insufficient– Item Paid fee(s) for that item. The amount of the Insufficient Funds – Item Paid Fee and Sustained Overdraft Fee is $15. A Sustained Overdraft Fee applies to accounts overdrawn by any amount (negative balance) for five (5) consecutive Business Days when the overdrawn balance at the end of the first day is more than $100, and is assessed to the account on the sixth (6th) Business Day. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn for an extended period of time or the overdrawn amount is excessive. Any overdrafts that we pay must be promptly repaid by you.

^¶¶We limit withdrawals and transfers out of your savings and money market savings accounts. You can withdraw or transfer funds from a savings or money market savings account a total of six (6) times per Service Fee Period (such as by automatic or pre-authorized transfers using telephone, online banking, mobile banking, overdraft protection, payments to third parties, wire transfers, checks, and drafts). If you repeatedly exceed these limits, we may close or convert your account to a checking account, which may be a non-interest-bearing checking account.

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