TD Bank vs Santander Bank

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Santander Bank? Read our comparison chart below.

TD Bank has over 1,100 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.

While 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.

Compare TD Bank with Santander Bank, side-by-side.

	TD Bank	Santander Bank
	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review	SPECIAL OFFER 6-Month CD - 4.00% APY - Learn More
	Benefits and Features
Savings	0.02% 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.	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.
CD	up to 3.69% APY (up to 3.70% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).	3.00%, 4.00% and 3.50% APY for 3, 6 and 12 months, respectively. Minimum deposit of $500, with Santander Checking Account.
Checking	TD Complete Checking, TD Beyond Checking, TD Essential Banking
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	2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations
Customer Service	24/7 Live Customer Service (Telephone)	Mon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)
IRA CD	up to 3.69% APY (up to 3.70% for Promotional APY. Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
Locations	over 1,100 locations	405 branches in the US
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	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 Line	East Coast bank with relatively low minimum balance requirements... Read full review
	TD $300 Beyond Checking Bonus TD $200 Complete Checking Bonus Student Checking Account - $100 Bonus	6-Month CD - 4.00% APY 12-Month CD - 3.50% APY Personal Checking Account - $400 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 10/04/2025 based on 08034 zip code. Santander Bank: Pricing information from published website as of 10/09/2025 based on 02109 zip code.

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