Santander Bank is a Northeast regional bank with ~400 branches, concentrated in the Northeast with additional branches in the Miami, Florida area. It offers straightforward checking and savings accounts with fee waivers that are easy to meet. This guide covers everything you need to know about Santander Bank in 2026.
Santander Bank at a Glance
| Feature | Details |
|---|---|
| Full name | Santander Bank, N.A. |
| FDIC Certificate | 33993 |
| Parent company | Banco Santander (Spain) |
| Branches | ~400, Northeast plus Miami, FL |
| ATMs | ~2,000 (own + partner network) |
| SWIFT code | SVRNUS33 |
| Customer service | 1-877-768-2265 |
| Online banking | santanderbank.com |
Santander’s Two Routing Numbers
Santander Bank actually uses only two ABA routing numbers nationwide — which one applies depends on when your account was opened, not primarily your state (per Santander’s own official routing-number page).
| Routing number | Who uses it |
|---|---|
| 011075150 | Connecticut, Massachusetts, New Hampshire, or Rhode Island accounts opened on or before May 17, 2012 (11-digit account numbers) |
| 231372691 | Connecticut, Massachusetts, New Hampshire, or Rhode Island accounts opened after May 17, 2012 (10-digit account numbers) — and all Santander accounts in Maryland, New Jersey, New York, Pennsylvania, and Delaware, regardless of when they were opened |
The simplest way to tell which one is yours: if your account number has 11 digits, use 011075150; if it has 10 digits, use 231372691.
For international wire transfers, use SWIFT code SVRNUS33.
See the full details at Santander Bank Routing Number 2026.
Checking Accounts
| Account | Monthly fee | How to waive |
|---|---|---|
| Simply Right Checking | $10 | Any 1 transaction/month, or account owner under 26 |
| Santander Essential Checking | $4 | Account owner under 26 or 65+ |
| Santander Select Checking | $25 | $25,000 combined balance and eligible investments |
Simply Right Checking is Santander’s primary account. The $10 fee is easy to waive — just make one qualifying transaction (debit purchase, ACH, direct deposit, etc.) each month, or have an account owner under 26. Confirm current terms directly with Santander, as fee schedules can change.
Savings Accounts
| Account | APY | Monthly fee | Waiver |
|---|---|---|---|
| Simply Right Savings | ~0.01% (confirm current rate) | $1/month | Linked to Simply Right Checking |
| High Yield Savings | Varies (promotional) | $0 | Confirm current terms |
Santander’s standard savings rate is not typically competitive. For meaningful interest, pair a Santander checking account with an external high-yield savings account — confirm current rates before choosing one.
Quick Facts: Fees and Limits
| Item | Details |
|---|---|
| Overdraft fee | $35 per item |
| Max OD fees per day | 3 ($105 maximum) |
| Non-Santander ATM fee | $3 |
| Domestic wire (outgoing) | $25–$30 |
| International wire (outgoing) | $40 |
| Zelle daily limit | ~$2,500 (confirm current limit) |
See the complete fee schedule at Santander Bank Fees 2026.
All Santander Bank Guides
- Santander Routing Number 2026
- Santander Bank Review 2026
- Santander Checking Account 2026
- Santander Savings Account 2026
- Santander Fees 2026
- Santander ATM Limit 2026
- Santander Hours 2026
- Santander Customer Service 2026
- Santander Mobile Deposit Limit 2026
- Santander Minimum Balance 2026
- Santander Transfer Limit 2026
- Santander vs Chase 2026
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