Santander Bank

National Bank, santanderbank.com

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About the Bank

Boston-based Santander Bank is a smaller regional bank serving customers primarily in the Northeast United States. The bank has approximately 650 branch locations and 2,000 ATMs across Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York and Pennsylvania. Santander also has a banking location in Miami Beach, Florida.


You’ll find everything you’d expect in a larger regional bank, including banking, lending and investment products and services. Personal banking customers have access to checking, savings, money market and CD accounts, as well as credit cards, personal loans, lines of credit and home mortgages.


Santander touts checking your way, with four accounts designed to fit different needs. Simply Right Checking is suited for checking customers who don’t want to worry about minimum balance requirements and need a simple way to avoid a monthly maintenance fee. You can get around the fee with this account by making at least one transaction per month.


At the other end of the spectrum is the Santander Premier Plus Checking account. This is an interest-bearing account designed for customers who are used to maintaining a larger balance in checking. This account also comes with exclusive access to Santander Premier Plus Money Market Savings, a high-yield money market savings account that has no monthly maintenance fee.


If you’ve chosen one of Santander Bank’s other checking options, you can still save with a regular Santander Savings or Santander Money Market Savings account. The former is a basic savings account and you pay no monthly fee if you’re a Santander checking customer. The latter offers a higher competitive yield for customers who meet the minimum balance requirement. Both accounts require an initial deposit of $25.


Santander’s Premier CD accounts are reserved for Premier banking customers. These CDs offer exclusive rates, with terms ranging from three months to five years. You also get the flexibility of having interest earned paid to your CD or to another Santander account. If you’re not a Premier customer, you can still fund a Choose-Your-Term CD with as little as $500.


Santander Bank features a handful of credit card offerings, including the SantanderⓇ Ultimate Cash BackⓇ card, the SphereⓇ card for balance transfers and the BravoⓇ card, which allows you to earn points on everyday purchases. The SphereⓇ also offers rewards on purchases, in addition to a low introductory APR for balance transfers and purchases. Only the BravoⓇ card has an annual fee.


To keep pace with online banks, Santander offers a full suite of digital banking products and services. Online banking is available for paying bills, checking balances, transferring funds between accounts and downloading electronic statements. You can do those same things with the Santander Bank mobile banking app, as well as deposit checks with mobile deposit. You can also use the Instant Card Hold feature to turn your debit or credit card off if it’s lost or stolen.


Prosper and Thrive is Santander Bank’s financial education resource center. If you want to learn about improving your credit score, managing your budget or prepping to buy a home, you’ll find everything you need here.

Santander Bank Fees

  • National Average
  • Monthly Inactivity $16 $6
  • Non-Sufficient Fund (Overdraft) $35 $30
  • Stop Payment item $30 $27
  • Return Deposit $15 $13
  • Domestic Wire Transfer (Outbound) $25 $22
  • Domestic Wire Transfer (Inbound) $13 $10
  • Non-Bank ATM $2.50 $1

Locations & Hours

map of local branches and ATMs
Branches
651

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By tvwilliams Apr 18, 2018

    Worst Bank in the History of all Banks

    The Worst Banking Experience in my Life. I am Santander Credit Card Holder. After my bank account was debited twice by santander for a payment. I notified them, I was told my account would be credited in 2-5 days. 7 Days later no credit on my account, I called Santander again at which time I was told we mailed you a check and you should receive it in 10 business days because we are not able to send back your payment directly to your bank account because you did not use a Santander Bank account to make the payment. I asked to speak to a supervisor, I was then put on a 10 minutes hold. The customer service rep her name is Amber came back to say the supervisors says that we are only able to process the reversal by way of a refund check. So I said why did the supervisor gave you a message to give me and did not come on the phone and speak to me them-self. I then request that my account be closed, the Rep said we are not able to close your account because you have a balance, I'm like what balance I just clear my balance with the payment that you took twice from my bank account. she said its your annual membership fee. I'm like girl reverse that membership fee and close my account, then she said we are not able to reverse the fee. I'm like so after you debited my bank account twice caused me to be in debt with my bank and be paying overdraft fees on my bank account you are telling me that you are not going to reverse the annual membership fee.
    She then put me on yet another hold and came back to say the fee is reversed and my account will be close. so I say please send me a confirmation email, text or give me a confirmation number for this request. she then said we are not able to send you an email, text or give you a confirmation number we are only able to mailed you the closed account confirmation.
    I thought this was the 21st century !!!!!!!!!!!!!!!!

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  •  
    Reviewed By skiracer1 Apr 14, 2018

    TAKE YOUR MONEY AND RUN AWAY FROM SANTANDER BANK THEY ARE DECEITFUL

    My mom was 86 years old when this happened. She was a loyal customer at this bank as the names changed over the years. She trusted them. Santander Bank put her in an annuity. Who in their right mind would put an 86 year old in an annuity. A bunch of thieves because it's high commission and they did not care that when she needed money it would be a $5000 dollar penalty. This was a deceitful practice and the stress of realizing what the bank had done could have killed my mom. I would not recommend this bank and do not trust your them to invest your hard earned money. Run

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  •  
    Reviewed By jimboc Feb 18, 2018

    main st n andover ma

    In my 50+ years banking at Santander or its 4 prior banks I have NEVER been treated
    as dismissively as 2/17/18.

    Mr. Brian O'Halloran is a disgrace to his profession...whatever THAT is.

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  •  
    Reviewed By tvwilliams Apr 18, 2018

    Worst Bank in the History of all Banks

    The Worst Banking Experience in my Life. I am Santander Credit Card Holder. After my bank account was debited twice by santander for a payment. I notified them, I was told my account would be credited in 2-5 days. 7 Days later no credit on my account, I called Santander again at which time I was told we mailed you a check and you should receive it in 10 business days because we are not able to send back your payment directly to your bank account because you did not use a Santander Bank account to make the payment. I asked to speak to a supervisor, I was then put on a 10 minutes hold. The customer service rep her name is Amber came back to say the supervisors says that we are only able to process the reversal by way of a refund check. So I said why did the supervisor gave you a message to give me and did not come on the phone and speak to me them-self. I then request that my account be closed, the Rep said we are not able to close your account because you have a balance, I'm like what balance I just clear my balance with the payment that you took twice from my bank account. she said its your annual membership fee. I'm like girl reverse that membership fee and close my account, then she said we are not able to reverse the fee. I'm like so after you debited my bank account twice caused me to be in debt with my bank and be paying overdraft fees on my bank account you are telling me that you are not going to reverse the annual membership fee.
    She then put me on yet another hold and came back to say the fee is reversed and my account will be close. so I say please send me a confirmation email, text or give me a confirmation number for this request. she then said we are not able to send you an email, text or give you a confirmation number we are only able to mailed you the closed account confirmation.
    I thought this was the 21st century !!!!!!!!!!!!!!!!

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  •  
    Reviewed By Remain_anon Jan 2, 2018

    My overall experience/ how they handle fraud issues( last paragraph)

    As a customer, I was with this bank for 10 years back when it was still sovereign. Didnt really have issues. Once it became Santander, thats when everything started going downhill for me. One day I noticed my account go in the red from my check card and I asked myself how did this happen ? I called them up and I explained that my card should have been decline. Their response was sir, you never had overdraft protection. I was speechless because I knew I did. I explained that I did and they fixed it in their system. Next issue I ran into was when my parents moved to a new house so I had to do a change of address. I called up the bank to do it at the time since I didnt really have my online banking set up plus I needed a new debit card. I started getting asked weird questions that I was never asked like what is the loan on my house? I explained I had no loan and lived with my parents and requested a new card. When I got my new card in, I had to go purchase some clothing. When I did I used my card and noticed it was declined. I knew I had money in my account, so I looked and noticed the card had my first name and it had my last name but the middle initial was different on the card. I was wondering what was going on. I requested yet another new card. About a day or two later I got a letter in from the bank with what I thought was my bank information opened it up and noticed hat the statement couldnt have been mine because I did not have the amount of money that was in the account. This have personal information I should not have been given, I looked at the name and there I saw my first name and my last name but the middle initial was different. I didnt know what to do I didnt know what to say, I was not in a situation like this before and didnt know what to do so I called them up and explained what happened and all I heard was thats ok just throw it away. it made me wonder if that person got my Personal information as well. To me this was a red Flag but had no idea what to do.

    What recently happened to me was my PayPal got hacked and whoever it was, kept trying to do 1000 transfers to my PayPal account to make purchases. Which is fraud. This bank did not mention to me that this was happening. Instead I get an automated message to give them a call. When I did call the number it said I was 800 in the red and had to pay a amount by a certain day. I looked at my statements and saw this was happening for 12 days. The bank kept preventing the purchases but kept charging me 35 overdraft and 35 failed fee for failing and the recent transfer attempt was for 2 $300 transfers. When I first called them up about this I get told that I need to take this up with PayPal. So I called PayPal they were able to confirm it wasnt me and hey were nice enough to give a letter for me to prove it wasnt me. So I get a call back to the bank and got the issues straightened out but I had to go to a branch bank to confirm so I wrote the numbers I was given and give them to the manager. When I got to the bank I explained to the manager what happened and gave the numbers and the letter from PayPal and in an ignorant voice said what am I supposed to do with this? So that started out pleasantly. After I explained again the first response is well PayPal is a safe site so we dont pick up on this seriously? It doesnt matter if its safe or not people can still get hacked. She also had the nerve to say that Im preapproved for a credit card and asked if I wanted one. So she sent me on my way and said to expect a phone call when its done. The only phone call I got was an automated message asking for money again. I looked and saw the refunds of what they owed me and that I got a 35 charge for being in the red for so many days the. My one bill getting charged when my account was suppose to be frozen. So Im leaving them and hope no one has fraud because clearly this bank wants to take what you have as well as a bonus and give bogus reasons to shield themselves. I wont recommend this to anyone and I dont feel my account is secure with them.

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  •  
    Reviewed By KLCOOK Nov 18, 2017

    ABSOLUTE WORST BANK I HAVE EVER DEALT WITH

    It won't let me give them ZERO stars.

    I have banked with SANTANDER for a number of years. I recently changed my home equity loan so the payment would come directly from my account at another bank to be paid at least 2 days prior to the due date. The funds came out of my other account two days before the due date but were not credited on the SANTANDER loan until 5 days later. As a result I was charged an insufficient funds fee, etc. etc. I decided after the second month of this that I had had enough and I would pay off the home equity loan. I had the funds, went to a branch and asked for the payoff. I was given the amount, wrote the check and thought I was done with this horrible bank. Not so. A few days later I received a letter saying I still owed on the home equity loan. I called for a explanation. Their explanation was that a payment was reversed on the loan after I made my payment. However, the payment that they applied to my account was the exact amount the check I gave them minus the amount they were now saying I owed.

    All this after being flat out lied to by the two branch managers I spoke with. I finally went and paid the amount they said owed simply to be done with this horrible bank and their extremely rude and incompetent employees.

    Final insult... when I went to pay off the loan to be done with them and I had already expressed how dissatisfied I was with the bank, the manager had the audacity to offer me another loan!

    All I can say is if you bank with this bank be sure and check everything extremely carefully. Money can come directly from one account at that bank to be applied to a loan and it will float around in their system for up to five days before it is actually applied to the loan. How is this even legal?

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  •  
    Reviewed By markrob68 Nov 4, 2017

    THE WORSE EXPERIENCE I'VE EVER HAD WITH A LOAN OFFICER

    Don't know where to begin except to say I warned my buyer about the loan officer Wilfred Edwards of Santander bank and even sent her the negative review posted on this site and she still went on and hired him to process or loan application. From the beginning the communication was horrible. There were numerous errors and mistakes made by him and what I find the most reprehensible is that he does not take responsibility for his mistakes but continued to blame the customer. We were scheduled to close on October 18, 2017 and we didn't close until November 3rd! Had my client given her notice to her landlord she would have been out on the street for two weeks like the last reviewer. Wilfred gave the buyer two different pre-qualification letters to buy a home. After our offer was submitted and we were at the purchase and sale stage a week before closing he changes the affordable CRA loan program that we were in into an FHA mortgage triggering all kinds of problems. (he neglected to vet the buyers savings to insure that the funds were seasoned. rookie mistake) FIRST we had to have the home re-inspected a second time by an FHA Appraiser. Seller had to then put up a fence. SECOND because it's an FHA mortgage my buyer couldn't use the gift funds given to her by a relative and we had to back out thousands of dollars from the seller broker and write new checks to the broker. THIRD the closing disclosure given to buyer was way off and buyer had to pay a substantial amount more at closing! Even though we have been emailed since the summer, The CD disclosure didn't get sent via email because the underwriter had the wrong email address delaying our closing even more. (Rookie mistake). Title company he used didn't get the closing package until very late so our closing was delayed by one hour . They wanted the buyer to go to the bank and get a cashiers check to pay the closing costs until I convinced them to let my buyer use a personal check because of their delays. Lastly at the closing table no one even had a commission check for my brokerage! I had to email everyone involved then they say of we have to write a check for your company. Had I not did that I would not have gotten paid for all my hard work driving from Boston to Lakeville fixing their mistakes. I forgot to mention that after all the problems and two week delay in in closing once we received our second commitment letter from this loan officer he then calls the customer and puts pressure on her to get insurance within 3 days. I personally drove her to the insurance company and got it done in one hour. RUN FROM THIS LOAN OFFICER. DO NOT DO BUSINESS WITH HIM. YOU WILL REGRET IT AND THERE WILL BE PROBLEMS WITH YOUR LOAN. He is unapologetic, unsympathetic and shows no empathy. He is also a POOR COMMUNICATOR. I had to call his manager to keep him on track and it still didn't work. Please note that I've done most of my business at Santander Bank with another loan officer with no problems so it's not a knock against the bank. When issues came up the loan officer let me know ahead of time and as a TEAM we solved the problem not blame the buyer and keep the agent out of the loop. This is the first negative review I've ever posted online but I feel that it's my duty to warn buyers and agents so that they won't experience the horrific service we received.

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  •  
    Reviewed By MelSC Nov 10, 2016

    Worst Customer Service

    I stopped over at this branch to have a check made out to me from a Joined money market savings, the manager refused to make me a checking stating that the check needs to be made out to all the party's on the account I noted to him that unfortunately the other person is extremely sick & I would need the check just made out to my self, he stated he could not do that cause its up to his desecration who he makes out the check to.I decided to walk out & call customer service & get this matter resolved since is unheard of that the manager of a bank decided who the check should be made out to.
    I also filed a formal complained against the manager of this branch.
    PS.
    If you need to withdrawal your money from your account in anyway or form good luck at getting it from this branch

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  •  
    Reviewed By SantanderSucks1 Sep 30, 2016

    Stay Away from Santander!

    This company does nothing to protect their loyal customers.
    In the end treat you like a criminal
    1. On 9/12/2016 my wife's credit was ran by a branch Santander in Cranston, RI without her permission.
    2. 9/12 a charge for $2.91 was made at a MacDonald's in Cranston, RI
    2. Her online account that was hacked after 7+ years of inactivity. Her passwords were reset. Her ATM PIN was reset.
    3. 9/13 $9000.00 was transferred from our savings account to checking. This was "not an issue because it is within their bank."
    4. 9/13 3X$800.00 was withdrawn from a branch ATM with a fake card. Cranston, RI
    5. 9/14 3X$800.00 was withdrawn from a branch ATM with a fake card. Cranston, RI
    6. 9/14 $1215.80 Money Order at the USPS in Providence, RI
    7. 9/14 $4950.00 Internal Transfer to another Santander Account Cranston, RI
    8. 9/14 $3500.00 Internal Transfer to another Santander Account Cranston, RI
    WE LIVE IN NEW HAMPSHIRE!
    How does this not raise a single red flag?
    Then we are never called back by the investigator or anyone other then the branch manager.

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  •  
    Reviewed By markrob68 Nov 4, 2017

    THE WORSE EXPERIENCE I'VE EVER HAD WITH A LOAN OFFICER

    Don't know where to begin except to say I warned my buyer about the loan officer Wilfred Edwards of Santander bank and even sent her the negative review posted on this site and she still went on and hired him to process or loan application. From the beginning the communication was horrible. There were numerous errors and mistakes made by him and what I find the most reprehensible is that he does not take responsibility for his mistakes but continued to blame the customer. We were scheduled to close on October 18, 2017 and we didn't close until November 3rd! Had my client given her notice to her landlord she would have been out on the street for two weeks like the last reviewer. Wilfred gave the buyer two different pre-qualification letters to buy a home. After our offer was submitted and we were at the purchase and sale stage a week before closing he changes the affordable CRA loan program that we were in into an FHA mortgage triggering all kinds of problems. (he neglected to vet the buyers savings to insure that the funds were seasoned. rookie mistake) FIRST we had to have the home re-inspected a second time by an FHA Appraiser. Seller had to then put up a fence. SECOND because it's an FHA mortgage my buyer couldn't use the gift funds given to her by a relative and we had to back out thousands of dollars from the seller broker and write new checks to the broker. THIRD the closing disclosure given to buyer was way off and buyer had to pay a substantial amount more at closing! Even though we have been emailed since the summer, The CD disclosure didn't get sent via email because the underwriter had the wrong email address delaying our closing even more. (Rookie mistake). Title company he used didn't get the closing package until very late so our closing was delayed by one hour . They wanted the buyer to go to the bank and get a cashiers check to pay the closing costs until I convinced them to let my buyer use a personal check because of their delays. Lastly at the closing table no one even had a commission check for my brokerage! I had to email everyone involved then they say of we have to write a check for your company. Had I not did that I would not have gotten paid for all my hard work driving from Boston to Lakeville fixing their mistakes. I forgot to mention that after all the problems and two week delay in in closing once we received our second commitment letter from this loan officer he then calls the customer and puts pressure on her to get insurance within 3 days. I personally drove her to the insurance company and got it done in one hour. RUN FROM THIS LOAN OFFICER. DO NOT DO BUSINESS WITH HIM. YOU WILL REGRET IT AND THERE WILL BE PROBLEMS WITH YOUR LOAN. He is unapologetic, unsympathetic and shows no empathy. He is also a POOR COMMUNICATOR. I had to call his manager to keep him on track and it still didn't work. Please note that I've done most of my business at Santander Bank with another loan officer with no problems so it's not a knock against the bank. When issues came up the loan officer let me know ahead of time and as a TEAM we solved the problem not blame the buyer and keep the agent out of the loop. This is the first negative review I've ever posted online but I feel that it's my duty to warn buyers and agents so that they won't experience the horrific service we received.

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  •  
    Reviewed By meaisland55 Mar 10, 2016

    Thieves?

    Santander has not returned the proceeds of my 60 month $100,000 CD which matured on February 7, 2016. January 21 I mailed a certified letter(that they received January 25) requesting that they remit the proceeds to me,not renew it. February 1 I called and confirmed they received my letter. February 18 I had not received my money and called them: they said "wait 2 weeks after Feb 7."March 7 I called and was told the CD was "closed on Feb 27"(not Feb 7!!!) and it would take 2 weeks for me to receive the money. Later on March 7 I called again and "Eugene" said he would "look it up" but just hung up on me after a few minutes on hold. My third call on March 7 was to "supervisor Laura Brayton," who refused to give any information unless she could "access your[my] consumer record including credit ratings"! The bank has been holding on to over $100,000 of mine wihtout my permission and should remit at once! CRIMINAL.

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  •  
    Reviewed By Carole Oct 14, 2015

    Worse bank ever.

    This bank is a joke. I opened a CD when I tried to close it before maturity, it has been practically impossible. I've been asked for a notarized letter which was sent a week before I followed up with the bank. I talked to three managers which are unable to assist me with any answers as the fulfillment department handles CD and do not accept phone calls. How can I open a CD in one day but a bank is unable to return my money in two weeks. Also the bank was unable to give me the penalty fees amount. What kind of bank is unable to compute a math formula? If the fulfillment center handles account closings then I should be able to contact them directly.

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  •  
    Reviewed By markrob68 Nov 4, 2017

    THE WORSE EXPERIENCE I'VE EVER HAD WITH A LOAN OFFICER

    Don't know where to begin except to say I warned my buyer about the loan officer Wilfred Edwards of Santander bank and even sent her the negative review posted on this site and she still went on and hired him to process or loan application. From the beginning the communication was horrible. There were numerous errors and mistakes made by him and what I find the most reprehensible is that he does not take responsibility for his mistakes but continued to blame the customer. We were scheduled to close on October 18, 2017 and we didn't close until November 3rd! Had my client given her notice to her landlord she would have been out on the street for two weeks like the last reviewer. Wilfred gave the buyer two different pre-qualification letters to buy a home. After our offer was submitted and we were at the purchase and sale stage a week before closing he changes the affordable CRA loan program that we were in into an FHA mortgage triggering all kinds of problems. (he neglected to vet the buyers savings to insure that the funds were seasoned. rookie mistake) FIRST we had to have the home re-inspected a second time by an FHA Appraiser. Seller had to then put up a fence. SECOND because it's an FHA mortgage my buyer couldn't use the gift funds given to her by a relative and we had to back out thousands of dollars from the seller broker and write new checks to the broker. THIRD the closing disclosure given to buyer was way off and buyer had to pay a substantial amount more at closing! Even though we have been emailed since the summer, The CD disclosure didn't get sent via email because the underwriter had the wrong email address delaying our closing even more. (Rookie mistake). Title company he used didn't get the closing package until very late so our closing was delayed by one hour . They wanted the buyer to go to the bank and get a cashiers check to pay the closing costs until I convinced them to let my buyer use a personal check because of their delays. Lastly at the closing table no one even had a commission check for my brokerage! I had to email everyone involved then they say of we have to write a check for your company. Had I not did that I would not have gotten paid for all my hard work driving from Boston to Lakeville fixing their mistakes. I forgot to mention that after all the problems and two week delay in in closing once we received our second commitment letter from this loan officer he then calls the customer and puts pressure on her to get insurance within 3 days. I personally drove her to the insurance company and got it done in one hour. RUN FROM THIS LOAN OFFICER. DO NOT DO BUSINESS WITH HIM. YOU WILL REGRET IT AND THERE WILL BE PROBLEMS WITH YOUR LOAN. He is unapologetic, unsympathetic and shows no empathy. He is also a POOR COMMUNICATOR. I had to call his manager to keep him on track and it still didn't work. Please note that I've done most of my business at Santander Bank with another loan officer with no problems so it's not a knock against the bank. When issues came up the loan officer let me know ahead of time and as a TEAM we solved the problem not blame the buyer and keep the agent out of the loop. This is the first negative review I've ever posted online but I feel that it's my duty to warn buyers and agents so that they won't experience the horrific service we received.

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  •  
    Reviewed By Rhodenet Dec 26, 2016

    Virtually impossible to pay a bill vias phone

    We were a customer of Sovereign Bank in Massachusetts for many years, they held our mortgage and a home lin. We sold our home 5 years ago and moved to Florida. Santander bought Sovereign, just before I moved.

    Trying to pay on my remaining credit card has been nothing but a nightmare. I read all the info on my statement, and they still want more. Tried again to pay today, they continued asking more and more questions , TO TAKE A PAYMENT!!!!!!!.
    I don't care of a total stranger want's to pay my on my balance - I am not asking any confidential questions and not asking for money.
    I finally lost it today, when I yelled "I JUST WANT TO MAKE AN EFFING PAYMENT! Allisa (?) hung up on me. I will wait until it goes to collection, and have Santander pay the collection agency fee.
    Dec 26, Aprox 2:27 PM

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  •  
    Reviewed By aymen Oct 30, 2016

    treatment of the low income earners

    If you become a low income earner and you Mortgage tied up with "Santander Mafia" the only way they offer to help you is by HIKING your mortgage rate three times "the highest in the land", despite honouring all your payments and commitments to them and having less than 15% the value of my property borrowed from them. they using AFFORDABILITY clause to crucify the venerable knowing he have no options. " they would not dare do this to higher income earner"
    TO FUTURE "O.A.P": BEWARE OF SANTANDER AND SWITCH,they have no mercy or loyalty if you have small pension.

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  •  
    Reviewed By tvwilliams Apr 18, 2018

    Worst Bank in the History of all Banks

    The Worst Banking Experience in my Life. I am Santander Credit Card Holder. After my bank account was debited twice by santander for a payment. I notified them, I was told my account would be credited in 2-5 days. 7 Days later no credit on my account, I called Santander again at which time I was told we mailed you a check and you should receive it in 10 business days because we are not able to send back your payment directly to your bank account because you did not use a Santander Bank account to make the payment. I asked to speak to a supervisor, I was then put on a 10 minutes hold. The customer service rep her name is Amber came back to say the supervisors says that we are only able to process the reversal by way of a refund check. So I said why did the supervisor gave you a message to give me and did not come on the phone and speak to me them-self. I then request that my account be closed, the Rep said we are not able to close your account because you have a balance, I'm like what balance I just clear my balance with the payment that you took twice from my bank account. she said its your annual membership fee. I'm like girl reverse that membership fee and close my account, then she said we are not able to reverse the fee. I'm like so after you debited my bank account twice caused me to be in debt with my bank and be paying overdraft fees on my bank account you are telling me that you are not going to reverse the annual membership fee.
    She then put me on yet another hold and came back to say the fee is reversed and my account will be close. so I say please send me a confirmation email, text or give me a confirmation number for this request. she then said we are not able to send you an email, text or give you a confirmation number we are only able to mailed you the closed account confirmation.
    I thought this was the 21st century !!!!!!!!!!!!!!!!

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  •  
    Reviewed By Remain_anon Jan 2, 2018

    My overall experience/ how they handle fraud issues( last paragraph)

    As a customer, I was with this bank for 10 years back when it was still sovereign. Didnt really have issues. Once it became Santander, thats when everything started going downhill for me. One day I noticed my account go in the red from my check card and I asked myself how did this happen ? I called them up and I explained that my card should have been decline. Their response was sir, you never had overdraft protection. I was speechless because I knew I did. I explained that I did and they fixed it in their system. Next issue I ran into was when my parents moved to a new house so I had to do a change of address. I called up the bank to do it at the time since I didnt really have my online banking set up plus I needed a new debit card. I started getting asked weird questions that I was never asked like what is the loan on my house? I explained I had no loan and lived with my parents and requested a new card. When I got my new card in, I had to go purchase some clothing. When I did I used my card and noticed it was declined. I knew I had money in my account, so I looked and noticed the card had my first name and it had my last name but the middle initial was different on the card. I was wondering what was going on. I requested yet another new card. About a day or two later I got a letter in from the bank with what I thought was my bank information opened it up and noticed hat the statement couldnt have been mine because I did not have the amount of money that was in the account. This have personal information I should not have been given, I looked at the name and there I saw my first name and my last name but the middle initial was different. I didnt know what to do I didnt know what to say, I was not in a situation like this before and didnt know what to do so I called them up and explained what happened and all I heard was thats ok just throw it away. it made me wonder if that person got my Personal information as well. To me this was a red Flag but had no idea what to do.

    What recently happened to me was my PayPal got hacked and whoever it was, kept trying to do 1000 transfers to my PayPal account to make purchases. Which is fraud. This bank did not mention to me that this was happening. Instead I get an automated message to give them a call. When I did call the number it said I was 800 in the red and had to pay a amount by a certain day. I looked at my statements and saw this was happening for 12 days. The bank kept preventing the purchases but kept charging me 35 overdraft and 35 failed fee for failing and the recent transfer attempt was for 2 $300 transfers. When I first called them up about this I get told that I need to take this up with PayPal. So I called PayPal they were able to confirm it wasnt me and hey were nice enough to give a letter for me to prove it wasnt me. So I get a call back to the bank and got the issues straightened out but I had to go to a branch bank to confirm so I wrote the numbers I was given and give them to the manager. When I got to the bank I explained to the manager what happened and gave the numbers and the letter from PayPal and in an ignorant voice said what am I supposed to do with this? So that started out pleasantly. After I explained again the first response is well PayPal is a safe site so we dont pick up on this seriously? It doesnt matter if its safe or not people can still get hacked. She also had the nerve to say that Im preapproved for a credit card and asked if I wanted one. So she sent me on my way and said to expect a phone call when its done. The only phone call I got was an automated message asking for money again. I looked and saw the refunds of what they owed me and that I got a 35 charge for being in the red for so many days the. My one bill getting charged when my account was suppose to be frozen. So Im leaving them and hope no one has fraud because clearly this bank wants to take what you have as well as a bonus and give bogus reasons to shield themselves. I wont recommend this to anyone and I dont feel my account is secure with them.

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    Reviewed By westvillage Nov 22, 2017

    So bad it must be a scam

    Bogus excuses for not following up on my report of fraud. Multiple times a day, I get notices from one credit-granting institution of another because of fraudulent use of my gmail address to apply for credit all over the UK and the US. All the credit-granters, save for Santander, have thanked me for the alert and in most cases, have stopped the process. A few times it was too late, which impacted my credit rating (too many requests for credit and boom! Down a notch, then another and another). Santander demanded, for instance, that I make a call from NYC to the UK at my expense to put my case to someone there. Why in heaven's name would I do that? Not my responsibility to do their job. Also, given the willful stupidity of their responses, what hope is there than a phone call would be any more useful than email. They are flat-out terrible. If I could give zero stars, I would.

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    Reviewed By gocreditunion Nov 7, 2013

    Is it any coincidence that "Satan" can be spelled from the name of this bank?

    I am a business customer of Santander USA. I was recently locked out of my account for reasons I couldn't understand, for days. Not simple to resolve since there is no 'log in help' button that gives you instantaneous options for resetting your password. You have to call Business Customer Service within business hours. Over the course of three days, I placed 9 phone calls, made one branch visit and spent 4 hours of my time over a password reset issue. In the 9 calls, I would often be cut off--calling the business number I'd end up in the personal banking number due to 'overflow' and then would be cut off in the transfer back. Twice when I got through, I was promised that I would be sent emails that would allow me to reset. The emails never arrived-nor were they in 'spam'. On a third contact the customer service person admitted they had not been able to get emails through over multiple email clients, had major problems since a website update, and that my log in problem was a technical issue on their end that had nothing to do with my log in attempts. He then promised me a 'special' email that would reflect his escalation of my problem to the tech sector. Again, jack sprat arrived.

    I should add that I am generally polite patient and understanding and it is a rare experience for me to alienate customer service staff. However, I lost it on the third day/fourth live contact when once again I was promised an email and denied contact with a supervisor after I explained I had been down that road before and needed resolution now. I told the rep I considered this to be a material breach of my bank contract since I did not have reasonable access to my money. Those are the magic words: material breach! Magically an email allowing me to reset my password appeared 10 minutes later.

    It is a password reset people. Not rocket science. I will be changing my bank at the first opportunity.

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    Reviewed By watburg77 Mar 8, 2017

    $600 Lost Forever

    I saw on the computer someone was trying to cash a $600 from my checking account I printed the pending activity went to the bank asked them to stop payment the Branch Mgr. said I'm so sorry there is nothing we can do......the next day the check was posed I took the fraud check someone used the routing number and my checking account number and deposited $600 into their account without my signature....... I filed the FBI report, the local police report, signed and notarized the bank fraud paperwork. the FBI said welcome to America the cops say your lucky they only took $600 ...I'am out money the bank will never ever replace my $600 all I can do is type this on the computer. The bad thing this can happen to anybank account all they need is the account number they dont even need your name Those companies like lifelock will not cover checking account losses. I guess I'm gonna bury the money in Mason jars there is no security like they say at the bank ...have a nice day

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    Reviewed By Nysportsfan Sep 15, 2014

    The Worst!

    I am trying to reach a customer service representative and after going through 10 minutes of automated options the "robot" just keeps hanging up on me! Great customer service.

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