Santander Cd Rates
Santander Bank has over 600 branches in the Northeast. It offers a range of checking and savings accounts, with simple requirements to waive service fees.
The best five-year CD rates tend to be much higher than the national average rate of 0.31% APY. These CDs can help you work toward your individual savings goals. These CDs can help you work toward. Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored.
A CD (certificate of deposit) is a type of deposit account that’s payable at the end of a specified amount of time (referred to as the term). CDs generally pay a fixed rate of interest and can offer a higher interest rate.
Santander Bank Promotions
Santander Bank frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select States, so make sure you read the fine print carefully.
All Santanders Bank checking accounts offer free online banking, bill pay, and mobile deposits. There are over 2,000 ATMS throughout the Northeast.
Special Checking Account Features
Santander checking accounts come with these features:
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- Instant Card Hold. This allows you to temporarily lock your debit card. You can control it on your mobile app and the hold goes into effect immediately. This is great if you lost your card and need time to look for it, or if you simply want to control your spending. When you've found your card, you can release the hold.
- Overdraft Protection. Santander Bank offers two ways to protect against overdrafts. You can link a savings or money market account and funds will be transferred to cover the overdrawn amount. Or you can apply for an Overdraft Line of Credit. There is a transfer fee (though it's a lot less than the overdraft fee).
- Free savings account. You get a Santander Savings or Santander Money Market Savings account for no monthly service fee with any checking account.
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What to Open at Santander Bank
- Certificate of Deposit. Santander Bank offers highly competitive rates for their term CDs. Terms go from 3 months to 5 years. The minimum deposit to open is $500.
- Simply Right Checking. It's easy to waive the monthly fee just by using this account at least once a month. And there are no account balance requirements. You also get a free Santander Savings or Money Market Savings account. The minimum to open is $25.
- Student Value Checking. This account is free for students 14-25. There are no minimum balance requirements. The minimum to open is $10.
Santander Cd Rates
How to Avoid Santander Bank Checking Account Fees
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- Basic Checking. This account has no minimum balance requirements, but the $3 monthly fee cannot be waived. The minimum to open is $25.
- Simply Right Checking. The $10 monthly fee can be waived if you make just one transaction per month (a deposit, withdrawal, transfer, or payment).
- Premier Plus Checking. The $25 monthly fee can be waived if you: maintain a combined balance of $25,000 in Santander deposit and eligible investment accounts, OR have direct deposits of at least $4,000 per month.
- Student Value Checking. This account has no monthly service fee and no minimum balance requirements for students 14-25. The minimum to open is $10.