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Santander Bank vs Citizens Bank

Santander Bank is a northeastern bank with low requirements to waive fees. How does it compare to Citizens Bank? Read our comparison chart below.

Santander Bank has over 600 branches in the Northeast. Offers a range of checking and savings accounts, with simple requirements to waive service fees. High balance customers can earn higher interest. Their CDs offer high a APY with $500 minimum opening deposit.

While Citizens Bank has over 1,100 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

Compare Santander Bank with Citizens Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 

Santander Bank

Citizens Bank

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Benefits and Features

Savings0.03% 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.Several types of Savings accounts. 0.01% - 0.02% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD0.10% APY. 15-month. Minimum deposit of $500, with Santander Checking Account.Several types of CD accounts. Terms ranging from 10 - 25 months. 0.03% - 0.05% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Money Market0.03% - 0.05% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.Several types of Money Market accounts. 0.03% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Customer ServiceMon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)24/7 Telephone Customer Service
ATMsOver 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locationsMore than 3100 ATMs across 11 states.
IRA CD Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations
Over 575 branches in the US
Approximately 1,018 branches across the country
 

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
CDStarStarStarStarStarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Money MarketStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
Pros & ConsPros:
  • Easy to waive monthly fees
  • High APY for CDs
  • Free student checking
Cons:
  • Low interest for Premier Plus Checking
Pros:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Bottom LineNortheastern bank with low requirements to waive fees... Read full reviewEast Coast bank with solid deposit products to help meet goals... Read full review

Clearly Better Business Checking

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 3/16/2022 based on 91107 zip code.

Citizens Bank: Pricing information from published website as of 03/25/2022 based on 10011 zip code.

Which is Better: Santander Bank or Citizens Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Santander Bank or Chase.

In short: Santander Bank's cd and mobile app are worth mentioning. In particular, the cd is impressive. Citizens Bank's savings and customer service are worth mentioning. In particular, the customer service is impressive.


Articles on Santander Bank

Santander Bank Review

If you're in the Northeast, Santander Bank offers solid basic checking and savings options, as well as competitive rates for CDs. Read on to see if it fits your needs.

Articles on Citizens Bank

Citizens Bank Review

Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

Which Do You Think is Best?





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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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