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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

SPECIAL OFFER
Individual Retirement Account (IRA) - $1,000 Bonus - Learn More

Read Santander Bank Review

SPECIAL OFFER
Checking and Savings Account - $600 Bonus - Learn More

Read Citizens Bank Review

 

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% - 0.07% 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.
CD0.60% - 2.25% APY. Terms ranging from 3 months to 5 years. Minimum deposit of $500, with Santander Checking Account.Several types of CD accounts. Terms ranging from 11 - 24 months. 0.10% - 1.30% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Money Market0.10% - 0.80% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.Several types of Money Market accounts. 0.01% - 0.10% 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 6:00 am - 10:00 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 600 branches in the US
More than 1100 branches across the country
 

CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
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

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 03/21/2020 based on 91107 zip code.

Citizens Bank: Pricing information from published website as of 03/28/2020 based on 10011 zip code.

Which is Better: Santander Bank or Citizens Bank?

Still need help deciding which bank 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


Articles on Citizens Bank


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