As the rapidly evolving coronavirus situation increasingly impacts both our work and personal lives in unprecedented ways, Santander is making changes that will allow us to provide essential services to all of our customers while helping to ensure the safety of our customers and colleagues.

Santander Covid-19 Resource Center

Economic Impact Payment Information

We’ve prepared the following information around Economic Impact Payments (known as stimulus payments) to help you navigate through these challenging times.

Get Stimulus Package Details and Information on the Status of Your Check: The Internal Revenue Service (IRS) has started the process of distributing a second round of stimulus payments. Based on the information we currently have available, the first payments are expected to be credited by end of day on Monday, January 4, 2021 if you've qualified for a payment and the IRS has your Direct Deposit information. Please note that Santander Bank does not have access to the status of your specific details, but information is available on the IRS website to assist you.


1. Receiving a Direct Deposit from the IRS: Many customers will receive their payment as direct deposit into the account that was most recently used for a tax refund or for social security payments.

Use Your Mobile Banking App or Online Banking to check your account details: In the event you receive a Direct Deposit from the IRS, you will be able to use your Mobile Banking App or Online Banking to quickly check if you received your payment.

Set up alerts: Enroll in Online Banking or download our Mobile Banking App1 and set up alerts so you know when the funds have been deposited.

If Your Account is Closed or No Longer Active: Santander by law must return the payment to the IRS. The IRS is currently exploring options to correct these payments. Please visit for more information. 

2. Receiving a Paper Check from the IRS: In the event that the IRS does not have your Direct Deposit details, checks from the IRS are estimated to be distributed over the next several weeks based on the capacity of the IRS. Customers who receive a check can deposit or cash the check with Santander Bank in several easy ways.

Use Mobile Check Deposit: Mobile Check Deposit can be the safest and fastest way to deposit checks into your account.

Deposit your check at a Santander ATM: Deposit capability available at many Santander Bank ATMs across the Northeast.

See a banker at one of our branches: Santander Bank branches are still open and available on a limited basis for in-branch servicing. Please find your branch to check status on available services including hours of operation. While we are able to assist you in our branches, we encourage you to use Mobile Check Deposit or an ATM at this time.

Learn about funds availability: Learn the difference between your available balance and your current balance.

3. Receiving a Pre-Paid Debit Card from the IRS: If the IRS does not have your direct deposit details, you may receive a pre-paid debit card. Clients who receive a pre-paid debit card should:

  • Activate the pre-paid card, set a four-digit PIN and check the card balance by calling 800-240-8100 (TTY: 800-241-9100).
  • Sign the back of the card.
  • Register the card online via

Once activated, you can use these cards to access and transfer funds online to your personal bank account without incurring any fees, shop at retail locations where Visa is accepted, and access cash via ATMs and through cash back services at participating merchants.

Please note that if you prefer to withdraw cash from your card, Santander does not perform cash advances at the teller line.

Please visit a Santander ATM near you. Visit our branch locator to find a location near you. Then simply insert the card and use the four-digit PIN you set at activation to access their funds and check your account balance.

Overdrawn Account Balances: To ensure that you have full access to your stimulus funds, if your account had an overdrawn balance as of the end of the day prior to your payment being deposited, we will issue a temporary credit equal to the amount of your overdrawn balance (up to a limit of $5,000). This process will take 1-2 business days from the time of deposit. When the temporary credit is removed, it could cause an overdrawn balance2.

Beware of phishing: Hackers are taking advantage of the COVID-19 environment with an increase in email and internet scams, so please be vigilant. Neither Santander Bank nor the IRS will call you to request personal information.

1 Message and data rates may apply

2 Santander will not charge an overdraft fee for an overdrawn balance caused by the removal of this temporary credit, but any subsequent transaction that further increases the overdrawn balance will be subject to all applicable fees described in account documents.


Branch Service Update (updated daily)

With the increased need to follow social distancing guidelines, and help minimize the spread of the coronavirus, we are instituting temporary changes to how our branches operate.

To help promote the safety of our customers and employees, some of our branches have closed and others will provide limited services. Limited service locations may only perform teller transactions—such as depositing and cashing checks, handling requests for cash withdrawals, money orders and cashier’s checks—in the lobby or at the drive-thru. In addition, some of our branches will only provide account opening and servicing with a Banker by appointment only. Investment, mortgage, and business specialists will be available by appointment or over the phone.

We are also practicing greater levels of social distancing in our branches to reduce the risk for both our customers and employees. In our full service branches and our limited service teller-only branches, we are limiting the number of people allowed in our locations at one time. An employee will be at the door to greet customers, and determine if we can immediately assist or if we will need to ask customers to wait until we have the capacity to accommodate additional people. We apologize for any inconvenience.

Due to the limited number of customers allowed in the branch at a time, we strongly recommend leveraging other channels (Mobile App, Online Banking and ATMs) when possible and calling the branch to make an appointment if you need to meet with a Banker.

In addition, we will be temporarily changing our branch hours to:

Monday – Friday 9 a.m. – 4 p.m.
Saturday – Sunday 9 a.m. – 1 p.m.

(with some branches closed on Saturday and/or Sunday)

Special Hours for High-Risk Individuals in PA and NJ: Due to the Executive Orders issued by the Governors of PA and NJ, and to ensure that our senior customers and those with underlying health conditions are able to maintain social distancing, our New Jersey and Pennsylvania branches will provide special hours for only our high-risk customers:

NJ: between 9a.m. and 10 a.m. everyday
PA: between 9a.m. and 10 a.m. on Tuesdays

Face Covering Use for Customers: Due to Executive Orders from the Governors of New Jersey, New York, Pennsylvania, Connecticut Florida and Rhode Island, customers are required to wear masks while in the branch.

Please look for your branch below to get all the details. We are updating these listings daily.

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