To open an account in a branch, you will need two forms of Identification, including a Primary ID — which is a valid, government-issued photo ID (Driver’s License, Passport, State or Military ID), AND a Secondary ID — some examples include bank-issued ATM or debit cards, major credit cards, utility bills and birth certificates. You’ll also need your Social Security Number (Non-Residents can still apply without a SSN or can use their Individual Tax Reporting Number if they have one), a valid address and phone number, and an initial deposit.

Your new debit card will typically arrive in 5-7 business days. If requested, your PIN is mailed separately from the debit card and both are mailed to the address on file. You can activate your debit card through our Mobile Banking App, at any Santander ATM, with a branch teller, or by calling 877-726-0631.

You may fund your account with a check or by depositing cash. Speak to a banker about the different ways to fund your account. 

For determining the availability of your deposits, every day is a Business Day except Saturdays, Sundays, and federal holidays. If we receive your deposit prior to the applicable cutoff time on a Business Day, we will consider that day to be the day of the deposit.. The first $275 of all checks you deposit on a Business Day will be available no later than the first Business Day after the Business Day we receive your deposit. The remaining funds will be available no later than the second Business Day after the Business Day we receive your deposit. Our full Funds Availability Policy can be found in the Personal Deposit Account Agreement or on our Funds Availability page.

Yes, you can open a joint account at a Santander Bank branch. To add a joint owner to your existing account, all parties must appear together at a Santander branch and will need to bring the following personal information: valid address, phone number, Social Security number, both government-issued ID and secondary form of identification.