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Santander Bank vs TD Bank

Santander Bank is a northeastern bank with low requirements to waive fees. How does it compare to TD 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 TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

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

 TD Bank
 Learn MoreVisit Site
 

Santander Bank

TD Bank

SPECIAL OFFER
TD $300 Beyond Checking Bonus - Learn More

Read TD 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.0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.
CD0.10% APY. 15-month. Minimum deposit of $500, with Santander Checking Account.0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
Checking TD Simple Checking℠, TD Beyond Checking, TD Convenience Checking℠
Money Market0.03% - 0.05% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.0.01% - 0.02% APY (up to 0.03% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old.
Customer ServiceMon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)24/7 Live Customer Service (Telephone)
ATMsOver 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locationsApproximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
IRA CD 0.05% APY (up to 0.05% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
Locations
Over 575 branches in the US
1300 locations along the east coast.
 

CreditDonkey® Reviews

 TD Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarStarStarStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarStarHalf Star
Money MarketStarStarEmpty StarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Pros & ConsPros:
  • Easy to waive monthly fees
  • High APY for CDs
  • Free student checking
Cons:
  • Low interest for Premier Plus Checking
Pros:
  • Extended banking hours
  • Low requirements to waive monthly fees
  • No foreign transaction fees
Cons:
  • No free checking
  • Low APY
  • Only on East Coast
Bottom LineNortheastern bank with low requirements to waive fees... Read full reviewEast Coast bank with relatively low minimum balance requirements... Read full review
 Learn MoreVisit Site

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.

TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code.

TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

Expires 10/31/2022
  • Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
  • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • Get overdraft fees automatically reversed up to two times a year.
  • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
  • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
TD Bank
Member FDIC

TD Convenience Checking℠ - $200 Cash Bonus

Expires 10/31/2022
  • Earn $200 when you receive direct deposits totaling $500 or more within 60 days
  • Low minimum daily balance of $100 waives the $15 monthly fee.
  • Students and young adults ages 17 through 23 get additional perks like no minimum balance requirements and no monthly maintenance fee.
  • Instantly replace a lost, stolen, or damaged debit card by visiting a TD Bank location near you
  • Access accounts via Online Banking with Bill Pay, Online Statements, Send Money with Zelle and TD Bank Mobile Deposit. Plus, get 24/7 cash access at TD ATMs in the U.S. and Canada and around-the-clock Live Customer Service.
  • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
  • Get a 0.25% discount on TD Bank Home Equity and Personal Loans.

Which is Better: Santander Bank or TD 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 is impressive. TD Bank's customer service is outstanding.


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 TD Bank

TD Bank Review

TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.

TD Beyond Checking Bonus

TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.

TD Convenience Checking Bonus

TD Bank is offering a $200 sign-up bonus for opening a Convenience Checking ℠ account. Learn more about this promotion below.

TD Bank Hours

TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.

Open TD Bank Account

Opening an account with TD Bank is simple. Take a look at what you'll need and check out your account options in our guide.

TD Bank Routing Number

Find your TD Bank routing number by state. Get the correct number with and without a check.

Which Do You Think is Best?





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