Money Market Savings Account

A stand-alone Money Market Savings account is a ready source of cash, an emergency reserve, and can be a great way to save for upcoming opportunities. You will have fast access to your savings and the security of FDIC insurance.

Money Market Savings Account

  • Stand-alone, tiered savings account that pays higher rates for higher balances*
  • Easy transfers to and from checking1
  • The convenience of writing money market checks1
  • The security of FDIC insurance
  • No monthly fee when you maintain a $2,000 average daily balance
  • Low opening deposit of only $10 to get started
  • Flexibility to link to any Santander checking account

Additional benefits if linked to a Santander checking account

  • Combined monthly statement with checking account for easier management of multiple accounts
  • Available to use for overdraft protection1
  • Ability to link to your Santander Debit MasterCard®1

Santander Online Banking

  • 100% guaranteed against fraud 2
  • 24/7 access to account balances, transaction history and more
  • Access up to 25 months of statements electronically
  • Convenient access through our Mobile Banking app 


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*0.25% Annual percentage yield (APY) is applied when your balance is $75,000 and above; 0.20% APY is applied when your balance is $50,000-$74,999.99; 0.15% APY is applied when your balance is $25,000-$49,999.99; 0.15% APY is applied when your balance is $10,000-$24,999.99; and 0.10% APY is applied when your balance is less than $10,000. These APYs available for new accounts only, are effective as of today, and may change at any time and after your account is opened. Fees may reduce earnings. A minimum deposit of $10 is required to open a Money Market Savings account. Personal accounts only.

1 You can withdraw funds from your Money Market Savings account no more than 6 times by computer, telephone, preauthorized transfer, check, or Debit Card purchase each service fee period. Fees apply if you exceed these limits, and if you repeatedly exceed these limits, we will close your account or convert your account to a checking account.

2 Please refer to the Online Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions.