Personal Checking Accounts | Santander Bank (2024)

In order to open an account online you will need a social security number, a US residential address (not a PO box), Funding account (routing & account number).To open an account in a branch, you will need two forms of Identification, including a Primary ID — which is a valid, government-issued photo ID (Driver’s License, Passport, State or Military ID), AND a Secondary ID — some examples include bank-issued ATM or debit cards, major credit cards, utility bills and birth certificates. You’ll also need your Social Security Number (Non-Residents can still apply without a SSN or can use their Individual Tax Reporting Number if they have one), a valid address and phone number, and an initial deposit.

Your new debit card will typically arrive in 5-7 business days. Your PIN is mailed separately from the debit card and both are mailed to the address on file. Once you receive your card, be sure to sign the back of the card. You can activate your debit card through our Mobile Banking App, at any Santander ATM, or by calling 877-726-0631.

If you open your account online, you will need to make an initial deposit. You may fund your account with a debit card, credit card, ACH transfers, check, or by depositing cash. Speak to a banker about the different ways to fund your account.

Yes. A Santander® Savings account or Santander® Money Market Savings account may be opened online in conjunction with any checking account opened online. Santander Select® Money Market Savings account requires a Santander® Select checking account and Santander® Private Client Money Market Savings account requires a Santander® Private Client checking account.

Our general policy is to make available $225 of all checks deposited on the next business day after the business day we receive your check deposits. The remainder, if any, of your deposit will usually be available on the second business day after the business day of deposit. In some cases, we may delay availability to withdraw funds beyond these periods. In such circ*mstances, we will send you a notice and the funds will generally be available on the sixth business day after the business day we receive your check deposits. Our full Funds Availability Policy can be found in the Personal Deposit Account Agreement or on our Funds Availability page.

Yes, you can open a joint account at a Santander Bank branch or online. To add a joint owner to your existing account, all parties must appear together at a Santander branch and will need to bring the following personal information: address, Social Security number, both government-issued ID and secondary form of identification.