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Account Basics

Find answers to frequently asked questions about your Santander Bank checking or savings account.

What is Santander’s International Bank Account Number (IBAN)?

The International Bank Account Number (IBAN) is the international standard for identifying international bank accounts across national borders. The IBAN is comprised of a maximum of 27 alphanumeric characters within Europe and a maximum of 34 outside of Europe.

At present, the United States does not participate in IBAN. Therefore, Santander Bank does not have an IBAN number.

In order to receive a wire transfer into your Santander account, you will need to provide the following information to the originating bank:

  • Your full name and mailing address (cannot be a PO Box)
  • Your Santander Bank account number
  • SWIFT Code - SVRNUS33 (International only)
  • Santander Bank routing number

If your account has 11 digits, your ABA/Routing number is 011075150
If your account has 10 digits, your ABA/Routing number is 231372691

If the depositing bank requires an address for Santander Bank, please use the following address:

Santander Bank, N.A.
601 Penn Street
Reading, PA 19601

How old do I have to be to open a checking account?

You must be 18 years or older to open a checking account in your name only.

Minors cannot own a checking account in their name alone.

You must be at least 14 years of age to open a checking account. Legal guardian co-owner is required for those between 14 and 18 years old.

For information about applicable fees and terms, refer to the Personal Deposit Account Fee Schedule or visit your local branch.

How do I order a copy of my account statement?

You now have access to view, save, or print up to 25 months of your deposit statements.

To view your statements online:

  • Log in to online banking
  • Under the Navigation menu, select Statements ► Statements & Documents
    Result: The Statements page will display.
  • Under Actions, click “PDF” next to the statement you wish to view; your statement will open in a separate window.

To print statements:

  • Click “File” at top of page
  • Select “Print”

To read a PDF document you will need Adobe Acrobat Reader 4.0 or above. To download please visit the Adobe® website.

Statement copies that are no longer available in Online Banking:

You may request a copy of your Checking or Savings account statement that is no longer available within online banking in any of the following ways:

  • Complete the online request form.
    • Log in to your account
    • Under navigation menu, select Accounts ► Account Services ► Statement Copy Request
    • Enter ALL Required information and click “Continue”
    • Check the box next to “I understand and agree to pay the Statement Copy Fee”
    • Click “Continue”
    • Verify information and select “Continue”
  • Contact a Customer Service Representative at 1-877-768-2265
  • Visit a local branch

IMPORTANT! The Bank stores copies/images of statements for a period of 7 rolling calendar years.

Example: The month and year of the statement cannot exceed 7 years from the month requested.

What is my PIN for telephone banking and how do I reset it?

You can reach Automated Telephone Banking by calling 1-877-768-2265

When using Automated Telephone Banking, it will ask you to enter 1 of 4 options:

  1. Your debit card number and your debit card PIN, or
  2. Credit card number and the last 4 digits of your Social Security number, or
  3. Account number and the last 4 digits of your Social Security number, or
  4. Your 9-digit telephone banking ID and the 4-digit PIN known only to you

To reset your Telephone Banking PIN, call a Customer Service Center Advisor at: 877-768-2265, select your language preference, press Option 1 for personal accounts, and select the appropriate menu option.

Are my deposits FDIC insured?

Santander Bank deposit accounts are FDIC insured. Types of insured deposit accounts are savings, checking, time deposits (CDs - Certificates of Deposit), and Money Market savings.

Learn more about FDIC insurance.

How can I change my Overdraft Election?

You can conveniently change your Overdraft Election by choosing any of the options below:

  • The simplest, fastest and most secure way to reach us is to call using the Santander Mobile Banking App:
    1. Log in to Mobile Banking
    2. Tap in upper left to open the Menu
    3. Select Help & Support
    4. Tap on Contact Us
    5. Select Call Now
  • You can also change your election at any time by visiting a Santander branch or calling the Customer Service Center at 877-768-2265 (for fastest path, follow directions above using the mobile banking app to call).

Click here to learn more about your Overdraft Election options.