Online Bank Account | Personal Banking | Santander Bank

Online Bank Account | Personal Banking | Santander Bank - Santander

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Elevated Banking for Inspired Living

A personalized experience for our premium clients, delivered by a
professional team dedicated to your financial possibilities.

Inspired by you

Welcome to a banking relationship that supports your everyday needs, your long-term goals, and your lifetime aspirations. As you build your legacy, we’ll be here to offer you the very best of Santander.

Get started today

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Becoming a Santander
Private Client

Clients must maintain combined balances of $250,000¹ in bank deposits, including consumer and certain business deposit products, and eligible investments held with Santander Investment Services.²

Frequently asked questions

How do I become a Santander Private Client?

We understand your time is valuable, that's why we're offering both in person and digital account application processes for Private Client. You can open a Santander® Private Client Checking Account by visiting any Santander branch today.

What do I need to qualify for Santander Private Client?

In order to qualify for and remain in Private Client, you must maintain combined balances of $250,000¹ in bank deposits, including consumer and certain business deposit products and eligible investments held with Santander Investment Services.

Who can I speak with to learn more?

You can visit or call any of our local Santander branches to speak with a banker and learn more about Santander Private Client today.

How do I set up my new Santander Private Client account?

Take advantage of all the benefits of your account and banking relationship with Santander® Private Client. For quick and easy access to everything you need to set up and manage your account, visit our Santander Private Client Account Set-up page.

For additional details, please refer to the Santander Private Client Fee Schedule and our Personal Deposit Account Agreement.

¹ Program Eligibility: Each service fee period, you are required to maintain a minimum combined balance of $250,000 in bank deposits (consumer and certain business products*) and eligible investments** held with Santander Investment Services. If you do not maintain the minimum combined balance, we reserve the right to change your Private Client accounts to other applicable product types, for which you may be charged the Monthly Fee. If we do so, we will notify you.

*Eligible business products include Business Checking, Savings, Money Market Savings, and Certificate of Deposit accounts, and exclude the following accounts: IOLTA, Bankruptcy, Brokered Deposits, Controlled Disbursement, Escrow, Government, and Union accounts.

**Eligible investments held with Santander Investment Services do not include the following: Annuities held at Mass Mutual, Allstate, Phoenix, Ohio National; Immediate annuities or annuities that have become annuitized; Mutual funds and 529 products not custodied by National Financial Services LLC; Insurance Products (with the exception of certain annuities held directly with a product sponsor).

²Past performance is no guarantee of future results.

Keep in mind investing involves risk, including the risk of loss. Investment decisions should be based on an individual's own goals, time horizon, and tolerance for risk.

Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. Santander Investment Services is an affiliate of Santander Bank, N.A.

INVESTMENT AND INSURANCE PRODUCTS ARE:
NOT FDIC INSURED	NOT BANK GUARANTEED		MAY LOSE VALUE
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY		NOT A BANK DEPOSIT

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2025 Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. Mastercard is a registered trademark of Mastercard International, Inc. All other trademarks are the property of their respective owners.