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Santander Select® Services.

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Santander Select® Services

Relationship banking designed to help you build a better future.

if you’re looking for a

full-service relationship.

Comprehensive services for customers with combined assets of $25,000 or more.1

Unlock more benefits and features.

Santander Select® Services, you’ll be rewarded for your banking relationship with financial tools, benefits, and discounts that provide you a path to reaching your goals.

Relationship banking with priority service.

With Santander Select® Services, it all starts with understanding what’s important to you.

Comprehensive banking, borrowing, and investment services

  • Access to a team of financial specialists, providing personalized advice and guidance in business, home lending, and investments.§
  • Receive priority servicing and support when calling Santander Select® Services at 855-678-2265.

Santander Select® Checking

Santander Select® Checking rewards your loyalty with better benefits and discounts. The $25 Monthly Fee is waived with combined balances of $25,000 in bank deposits (consumer and certain business products*) and eligible investments** held with Santander Investment Services.


Santander Select® Money Market Savings 

Competitive rates with priority service and no Monthly Fee, exclusively available to Santander Select® Checking clients.


Home Lending Solutions

Access to an array of lending options including jumbo mortgages, construction loans, and interest-only mortgages.

The Santander® Ultimate Cash Back® Credit Card

A card loaded with added value to meet your credit needs - with more cash back and more savings. Earn 3% cash back for the first year on qualified purchases, up to $20,000. Thereafter, earn 1.5% cash back on qualified purchases, with no limits on how much you can earn. Plus, get low introductory rates on both purchases and balance transfers. 3

Santander Select® clients receive access to competitive rates, better discounts, and benefits.1

Relationship Benefits and Discounts:

  • Discount on Origination Fees for new Mortgages.5
  • Relationship pricing on new home equity lines of credit with no annual fee.8
    • Santander Select® checks, incoming wire transfers, stop payments and so much more.

    Santander Select® World Debit Mastercard® benefits:

    When using your Santander Select® World Debit Mastercard® on your Select account, you will not be charged fee to use another bank’s ATMs worldwide by Santander Bank.

    • Receive rebates of up to $30 per service fee period for ATM surcharge fees charged by other institutions at non-Santander ATMs.
    • Pay no foreign transaction fees for purchases or ATM withdrawals.
    • No fee to use more than 30,000 Santander ATMs globally.
    • No fee for expedited replacement card (lost, fraud, reissue).
    • Enjoy Mastercard Concierge Services with access to exclusive tickets and reservations.
    • Travel Protection if your trip is canceled or delayed and if your luggage is lost or delayed.4
    • Shop with ease and confidence knowing your purchase protections include Zero Liability7 for unauthorized purchases, Extended Warranty, Purchase Assurance, and Satisfaction Guarantee

    1 Combined assets include bank deposits in consumer and certain business products* and eligible investments** held with Santander Investment Services.

    * Eligible business products include Business Checking, Savings, Money Market Savings, and Certificates of Deposit accounts, but 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 Pershing LLC; Insurance Products (with the exception of certain annuities held directly with a product sponsor).

    2 All new loans are subject to approval.

    3 0% introductory Annual Percentage Rate (APR) for 12 billing cycles on Balance Transfers made within 90 days of opening your account and 0% Introductory APR for 12 billing cycles on Purchases. After the introductory period, a variable APR for Balance Transfers and Purchases from 14.69% to 23.82%, based on the Prime Rate and your creditworthiness. The Balance Transfer fee is the greater of 3% of the amount transferred or $10. There is no grace period on Balance Transfers because interest accrues from the date of the transaction. This means that, unless your Purchase APR is at an introductory or promotional 0% APR, you will pay interest on new Purchases from the date made if you do not pay all balances, including the promotional Balance Transfer, in full by the payment due date appearing on your statement. Balance Transfers may not be used to pay off or pay down any account issued by Santander Bank, N.A. Balance Transfers must be payable to another institution’s credit card balances that accept our electronic payments. Variable APR for purchases from 14.69% to 23.82%, based on the Prime Rate and your creditworthiness when you opened your account. Cash advance APR of 25.34%. Loss of any introductory or promotional rate, if any, may apply indefinitely to your account if you miss or make a late payment or otherwise default. There are no Annual, Cash Advance, Foreign Transaction, or Returned Payment fees. Finance charges still apply. Each time we do not receive the Minimum Payment Due in full by the Payment Due Date, we will charge you a Late Fee of $25 for the first late fee in a 6-month period and a $35 fee for each late payment until there are 6 consecutive months with no late payments. However, we will never charge a Late Payment Fee exceeding the Minimum Payment Due that is late. Rates effective as of 9/1/2021. Rates are subject to change. For the first 12 months after account opening, you earn 3% cash back on new net retail purchases (qualifying purchases less credits, returns, and adjustments) until you have spent $20,000 USD or equivalent. Otherwise, you earn 1.5% cash back on new net retail purchases. Cash back can be redeemed for statement credit, gift cards, electronic certificates, or merchandise. Cash back cannot be earned on balance transfers, cash advances, purchases of money orders and other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized / fraudulent transactions, and certain other charges. Cash back balance does not expire for accounts in good standing. Other terms and conditions apply. Credit card accounts are subject to approval.

    4 See Guide to Benefits that comes with your card.

    5 Santander Select® clients with at least $25,000 in combined balances in qualifying Santander accounts are eligible to receive a $750 discount on their mortgage closing costs. You must authorize Santander to automatically deduct your minimum monthly mortgage payment from your Santander checking account. Cannot be combined with other offers or discounts. Additional terms and conditions apply.

    6 See Guide to Benefits that comes with your card.

    7 You must properly safeguard your PIN and promptly notify us of any unauthorized transactions. Please refer to Your Liability for Unauthorized Transfers section in your Personal Deposit Account Agreement.

    8 Requires automatic payments from a Santander Select® Checking account.

    Not applicable to products and services offered through Santander Investment Services.

    § 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.


    Equal Housing Lender logo Equal Housing Lender. Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©  Santander Bank, N.A. All rights reserved. Santander, Santander Bank and the Flame Logo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. All other trademarks are the property of their respective owners.