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Government Building

Government Banking

As a public sector professional, you face a unique set of treasury management challenges, like strict investment guidelines and legacy technology. Santander's Government Banking Group provides customized solutions designed especially for municipalities, school districts, and other state and local government entities of all sizes. We make your needs our personal priority, so you can maximize investment income and minimize time spent on routine transactions.
Choose the experts who understand the public sector and can deliver the solutions you need, whether it’s taking advantage of the competitive features offered by our fully-collateralized Government Interest Checking Accounts or a suite of Treasury Management products designed to maximize efficiency. Santander’s Government Banking Group brings you local relationship managers with vast experience and an exclusive Government Client Services team dedicated to servicing the needs of our public sector clients.
Government Banking Interest Checking Account
A premium interest-bearing checking account featuring unlimited check-writing capabilities and a favorable rate on excess balances.
Government Banking Investment Account
A premium interest-bearing checking account offering highly competitive interest rates with limited transaction activity.
Santander Treasury Link
Manage your treasury needs through a central online banking platform—a solution for account information, payment initiation, a diverse set of treasury tools, and a secure direct communications channel with the bank.
Santander® Check Deposit Link
Conveniently deposit checks with a desktop scanner, and save a trip to the bank.
Automated Clearing House (ACH)
Save time and money by processing one-time and recurring payments electronically, with the reliability, security, and convenience of ACH payments.
Positive Pay (including Teller, Payee, and ACH)

Protect against losses with one or more of these powerful services. Positive Pay flags check presentments that fail to match your issue file. Teller Positive Pay flags unmatched checks presented at teller windows. And Payee Positive Pay provides the ultimate defense— checking all payee names against your issue file.

With ACH Positive Pay, you can block all payments from posting without your approval or set up advance filters for permitted transactions.

Retail Lockbox

Free up staff time by outsourcing high-volume, low-dollar remittance processing to Santander. We pick up payments multiple times daily from your designated post office box and deposit them into your operating account.

Wholesale Lockbox

Turn tax receipts and other receivables into working cash faster with multiple daily post office box pickups, and customized processing and reporting workflows.

Account Reconciliation
Save time and money by having us reconcile your accounts accurately and cost-effectively.
Controlled Disbursement
Keep tabs on daily cash position by receiving advance notice of check presentments scheduled to post that night.
Deposit Reconciliation
Track cash deposits from multiple sources into a single account.
Cash Processing
Deposit currency and bulk coin at vaults conveniently located across the Northeast. Enjoy timely delivery of cash and coin, with easy ordering through our 24/7 online or touch-tone service.
Purchasing Card
Negotiate better bulk discounts by centralizing employee purchases into one account for each vendor. Earn rebates based on purchase volume.
Virtual Card
Reduce the risk of fraud on purchases from specified vendors. The virtual card protects your real card number by issuing a single-use number for a specific purchase with a transaction expiration date.
Municipal Lending and Leasing

To help you manage tightening annual budgets, Santander provides financing for the essential-use equipment your municipality requires.

  • Vehicles
  • Equipment
  • Technology
Santander invests in the communities where we live and do business. Through grants as well as hands-on volunteer work, we support three main areas of focus.
Affordable Housing
Affordable Housing
Santander supports a variety of programs to protect the vulnerable—from homelessness prevention to aging-in-place, from veteran housing support to retrofits for persons with disabilities.
Financial Education and Wealth Building
Financial Education and Wealth Building
We promote financial education with programs that teach basic banking and budgeting and help smooth the transition to college or the workforce
Economic Development and Neighborhood Support
Economic Development and Neighborhood Support
Our programs assist aspiring entrepreneurs and small businesses to build wealth, create jobs, and stabilize neighborhoods while also mitigating displacement.

Patricia Packard

Managing Director
Head of Government and Not-For-Profit
Office: 617-217-0014
Cell: 617-686-5770
ppackard@santander.us