Santander Bank vs Chase

	Santander Bank	Chase
	SPECIAL OFFER 6-Month CD - 4.00% APY - Learn More	SPECIAL OFFER Chase Business Complete Banking® - Up to $500 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	0.03% APY. $25 Minimum opening deposit. $1 monthly fee, unless 1) You have a Santander Checking Account, or have 2) $100 average daily balance in your savings account.	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	3.00%, 4.00% and 3.50% APY for 3, 6 and 12 months, respectively. Minimum deposit of $500, with Santander Checking Account.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Money Market	0.03% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.
Mobile App		iOS & Android
ATMs	Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations	15,000+ Chase ATMs
Customer Service	Mon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)	Automated service available 24/7
Locations	405 branches in the US	Over 4,700
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons		Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line		National bank with good promotions for new customers... Read full review
	6-Month CD - 4.00% APY 12-Month CD - 3.50% APY Personal Checking Account - $400 Bonus	Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Santander Bank: Pricing information from published website as of 10/09/2025 based on 02109 zip code. Chase: Pricing information and data points from published website as of 10/10/2025.

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