Santander Bank vs Citizens Bank
Santander Bank | Citizens Bank | |
|---|---|---|
6-Month CD - 4.00% APY - | Personal Checking and Savings Account - $400 Bonus - | |
Benefits and Features | ||
| Savings | 0.01% 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 3) If any owner on the account is under age 26. | Several types of Savings accounts. 0.01% 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. |
| CD | 3.50% and 4.00% APY for 6 and 12 months, respectively. Minimum deposit of $500, with Santander Checking Account. | Several types of CD accounts. Terms ranging from 7-10 month. 0.03% - 4.00% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 7-Month and 10-Month online CD. |
| Money Market | 0.03% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee. | Several types of Money Market accounts. 0.01% 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. |
| ATMs | Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations | |
| Customer Service | Mon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day) | 24/7 Telephone Customer Service |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| Fees | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Online savings account with an impressive rate and no fees... | |
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 10/18/2025 based on 02109 zip code. Citizens Bank: Pricing information from published website as of 11/04/2025 based on 10011 zip code. | ||
Articles on Citizens Bank
Citizens Bank High Yield Savings
Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.
Citizens Bank Problems
While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.
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Which Bank Account is Right for You?
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