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How do I download the Mobile Banking app?Use SHIFT+ENTER to open the menu (new window).
<p>Simply search for Santander Bank in either the Apple App Store or Google Play store.  The app is titled Personal Banking.  You can download the app for iPhones and iPads using iOS 4.2 and above in the Apple App Store.  Android users with Android 2.3 and above may also download the app in the Google Play store.  p>
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Can I contact Quicken&reg directly for assistance?Use SHIFT+ENTER to open the menu (new window).
<p>For technical questions about your Quicken&reg software, you may visit their website at www.quicken.com. Simply select 'Help and Support' and you will be directed to their support home page where you will find FAQs, live chat, and telephone contact information.</p>
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Can I continue to write personal checks and pay bills online?Use SHIFT+ENTER to open the menu (new window).
<p>The BillPay service simply provides you with an electronic option to send payments to your Billers. Your paper checks are still valid should you decide to use them.</p>
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Can I delete a recurring transfer?Use SHIFT+ENTER to open the menu (new window).
<p>Yes, you can delete a recurring transfer. Select "Delete Transfer" under Actions and then Click Go. You will be asked to "Confirm" that you want to delete the recurring transfer. You must confirm in order for the recurring transfer to be deleted.</p>
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Can I get paperless statements for all accounts?Use SHIFT+ENTER to open the menu (new window).
<p>No. Paperless statements are available for select accounts. If the paperless option is available for the account you will have the option to select paperless. We hope to have all account types eligible in the future.</p>
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Can I make an auto loan payment online?Use SHIFT+ENTER to open the menu (new window).
<p>Currently we do not offer an online payment option for auto loans, financed directly through Santander. However, payments can be made in the following ways:</p> <ul TYPE=CIRCLE> <li>You may contact us directly at 1-877-768-2265 to arrange a payment over the phone or to establish Preauthorized Automatic Payments.</li> <li>You may make a payment at any Branch.</li> <li>You may mail your Consumer Loan payments to:    <div>Santander Bank</div>    <div>Attn: Consumer Loan Department</div>    <div>Mail Code: 10-421-CN2</div>    <div>P.O. Box 16255</div>    <div>Reading, PA 19612</ul></div>
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Can I Nickname My Account within Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>To nickname your accounts within Online Banking:</p> <ul TYPE=CIRCLE> <li>Go to the Customer Service tab <li>Click on "Show, Hide, and Nickname Accounts" under Online Preferences <li>Select the account(s) you wish to nickname, enter the nickname(s), and click"Continue"</ul> <p>Review your updates and click "Confirm"</p>
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Can I pay all my bills online?Use SHIFT+ENTER to open the menu (new window).
<p>You can use the BillPay system to make an unlimited number of payments each month.</p>
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Can I pay all of my bills using BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>Any payments that you wish to pay through BillPay must be to a biller located in the United States. We reserve the right to restrict categories of billers to whom payments may be made using the service. You should not use the service to make:</p> <UL TYPE=Circle> <li>Tax Payments <li>Court-ordered payments <li>Payments to settle securities transactions <li>Satisfaction of loan payoff amounts <li>Timeshare payments</ul>
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Can I place a stop payment on a check using Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Yes, you may place a stop payment on a single check that you have written from your checking account.</p> <UL TYPE=CIRCLE> <li> Go to the Custoemr Service tab <li> Click on "Stop Payment on a Check" under Deposit Account Services <li>Enter the stop payment details and click "Continue" <li>Review the stop payment details and click ""Confirm"" to submit your request.</ul> <p>A copy of this transaction will be mailed to you for your records. The stop payment request will remain in force for a period of 6 months.</p>
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Can I receive electronic statements?Use SHIFT+ENTER to open the menu (new window).
<p>Yes. Electronic statements are available to all customers enrolled in Online Banking with BillPay.</p>
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Can I schedule a transfer to occur on a future date within Online or Telephone Banking?Use SHIFT+ENTER to open the menu (new window).
<p>You may schedule a one-time transfer within Online or Telephone Banking to occur on a date up to 30 days in the future.</p>
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Can I schedule recurring transfers within Online or Telephone Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Within Online Banking you may schedule a recurring transfer to occur automatically on a specific date for a specific amount.</p> <p>Recurring transfers are not available within Telephone Banking. However, a one time - future dated transfer may be scheduled up to 30 days in advance.</p>
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Can I set up Bill Reminders within BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>You may set up reminders to notify you when your payments are due. Bill reminders are available as online notifications that appear in the Payment Center and may also be set up as email reminders. <p>BillPay reminders are not necessary:</p> <ul TYPE=CIRCLE> <li>If you receive an electronic bill. Your reminders automatically appear below the bill in the Pay Bills section of the Payment Center. <li>Set up automatic payments for a bill. Those payments automatically appear in the Pending Payments section of the Payment Center and the Payment Assistant.</Ul> <p>You may also set up email reminders to notify you when your payments have been sent and when bills are past due. Email reminders can be associated with any of your bills, including electronic bills and automatic payments. Some email reminders contain links that you can click to view and pay your bill.</p> <p>To set up a bill reminder: <ul TYPE=CIRCLE> <li>Access the BillPay and e-bills tab within online banking. <li>Click Manage my Bills. <li>Select the bill in which you would like to set up a reminder within the Biller Name drop down menu. <li>Select the Set up reminders for this bill radio button. <li>Enter the date when your payment is typically due. In most cases, you may simply type the due date for your current bill, or use the calendar to the right. <li>Select the frequency in which your bill is received. <li>Enter the payment amount in the Typical Amount Due field.Select the timeframe in which you would like to be notified of your bill in the How far in advance of the due date you want to be reminded of this bill field. <li>Review your email address and select the appropriate reminder option, if you would like to receive email reminders. <li>Click Save Changes. Your reminders for this bill are set.</Ul> <p>Note: You may also view a Bill Reminder demo by clicking on the View Demo link.</p>
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Can I switch back to receiving a paper statement if I enroll I paperless?Use SHIFT+ENTER to open the menu (new window).
<p>Yes, you can change your mind. You can enroll, unenroll and reenroll in paperless at any time.</p>
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Can I transfer funds between my Santander accounts within Online and Telephone Banking?Use SHIFT+ENTER to open the menu (new window).
p>Transfers can be made between personal accounts, provided you are the owner or co-owner on each account.</p>  <p>Additionally, you are able to transfer funds if you are enrolled in either our Online or Telephone Banking services from the convenience of your home or office.</p>  <p>These are the steps to make transfers to/from your accounts:</p>  In Online Banking: <ul TYPE=CIRCLE> <li>Log into your account <li>Click on "Transfer Funds" <li>Select the account you want to transfer from "From Account" <li>Select account you want to transfer to "To Account" <li>Enter the amount and the date you want the transfer to take place. <li>Click on submit.</ul>  Through Telephone Banking: <ul TYPE=CIRCLE> <li>Call 1-877-768-2265 <li>Select option 3 <li>Enter your 9-digit Telephone Banking number and <li>Enter your 4-digit Telephone Banking PIN number. <li>Select option number 2 and follow the prompts to transfer between accounts.</ul>  <p>If you have any difficulties, please press "0" and a Customer Service Representative will be happy to assist you.</p>   Transfers are permitted "to" and "from" the following accounts: <ul TYPE=CIRCLE> <li>Checking <li>Statement Savings <li>Money Market Savings <li>Line of Credit</ul>  <p>Note: Transfers are permitted "to" an installment loan, but not "from" an installment loan.</p>  Transfers are not permitted "to" or "from" the following accounts: <ul TYPE=CIRCLE> <li>Passbook Savings <li>Certificate of Deposit <li>Individual Retirement Accounts</ul>
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Can I transfer funds from my Santander accounts to my accounts at another bank?Use SHIFT+ENTER to open the menu (new window).

<p>Transfers may only be made between your Santander Bank accounts when using Online or Telephone Banking. In order to send funds to another account outside of Santander Bank, you have three options:
<ul><li>Use our free online banking BillPay service. To sign-up for BillPay, please go to our enrollment page. Once you are enrolled in BillPay, you would need to add the other financial institution as a biller, please include the account number of the depositing account and address where that biller accepts mail in deposits.
<li>Set up an automatic draft from your Santander Bank account by providing your account number and routing number to the receiving bank.
<li>Request a wire transfer through one of our local branches. This option is the most expedient means of transferring money to another bank. You will be charged a wire transfer fee for this convenience.</li></ol></p>

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Can I use Quicken&reg or Microsoft&reg Money with Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Online Banking supports the 3 most current versions of Quicken&reg and Microsoft&reg Money.</p>
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Can I view my auto loan information online?Use SHIFT+ENTER to open the menu (new window).
<p>If you financed your auto loan directly through Santander, you will have access to a snapshot view of your loan account online.</p>  The information available includes: <ul TYPE=CIRCLE> <li>principal balance  <li>current amount due <li>next payment date <li>total interest paid to date <li>interest paid last year <li>and the interest rate</ol>
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Can I View my Deposited Items within Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Yes, you are able to view your checks, deposits slips and withdrawal slips when you are logged into Online Banking.</p>
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Can you explain a typical email fraud?Use SHIFT+ENTER to open the menu (new window).
<p>The typical email fraud includes a copy of a legitimate business's logo and asks you to   click on an embedded hyperlink and enter your personal information. Santander would never send   you an email requesting your User ID, password, debit card number, or other sensitive   information. <p>Visit our <a   href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Online   Security Center</a> to learn more about fraudulent emails.</p>
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Do all billers issue e-Bills?Use SHIFT+ENTER to open the menu (new window).
<P>Not all billers offer e-Bills. Participating Billers establish their own criteria for reviewing requests to send e-Bills and have sole discretion.</P>
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Do I need any special software to access my online statement?Use SHIFT+ENTER to open the menu (new window).
<p>To view your online statement you will need Adobe&reg Acrobat&reg reader installed on your computer. You can download the free software from the <a href="http://get.adobe.com/reader/">Adobe</a> site.
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Do you have any suggestions of how I can protect myself from Internet fraud?Use SHIFT+ENTER to open the menu (new window).
<p>Here are some things you can do to protect yourself:</p> <ul TYPE=CIRCLE <li>Never give out your Social Security Number by email <li>Never divulge your driver's license number or address <li>Never give out your personal identification number (PIN) for your debit or ATM card by   email or telephone <li>Be suspicious of anyone who calls or emails you seeking personal information <li>When you need to provide a Social Security Number or other confidential information (for   opening a bank account, for example), always know who you are providing this information to and   why it is being requested. Be sure you are dealing with legitimate companies and their   employees. <li>Open and read only emails from a recognized source/sender <li>Do not reply to any email that requests your personal data <li>Leave suspicious sites. If you suspect that a site is not what it purports to be, leave the   site immediately. Do not follow its instructions.</ul> <p>Visit our <a   href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Online   Security Center</a> for more suggestions on how to protect yourself from Internet fraud.</p>
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Do you offer Live Chat?Use SHIFT+ENTER to open the menu (new window).
<p>Santander does not currently support Live Chat. Should this functionality become available in the future, we will certainly inform our customers and publish it on Santanderbank.com.</p>
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Does identity theft only affect individuals?Use SHIFT+ENTER to open the menu (new window).
<p>There have been cases in which scam artists have used a financial institution's logo and set   up a fictitious website in order to steal customer information.</p>  <p>The purpose of setting up these sites is to obtain personal information from consumers, such   as their social security numbers, account numbers, ATM card numbers, PINs and other information   in order to illegally access their funds on deposit, apply for credit, and other illegal   activity. Once the thief has this information, he/she begins the process of stealing the   victim's identity.</p>  <p>Visit our <a   href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Online   Security Center</a>  to learn more about how to protect your personal information and identity online.
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Does Santander Support QuickBooks?Use SHIFT+ENTER to open the menu (new window).
<p>Santander Bank's Retail accounts support the 3 most current versions of Quicken and   Microsoft Money. At this time, QuickBooks is not supported.</p>  <p>Santander's Business Banking product IRIS does support QuickBooks and Quicken.</p>
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Does the federal regulation cover all overdrafts?Use SHIFT+ENTER to open the menu (new window).
<p>No, only ATM and one-time debit card transactions are covered by Santander Account Protector.<p>  <p>Santander may continue to pay overdrafts and assess fees for checks and other transactions, such as automatic bill payments, Online Banking payments and transfers, and recurring debit card transactions. Unless you establish an Overdraft Protection plan, however, overdrafts are always paid at our discretion, and we do not guarantee we will always authorize and pay any type of transaction.</p>
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How are my online payments sent?Use SHIFT+ENTER to open the menu (new window).
<P>BillPay either sends payments electonically or via paper checks.</P>
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How are SantanderAccount Protector and Overdraft Protection plan different? Use SHIFT+ENTER to open the menu (new window).
<p>Santander Account Protector allows the bank to pay overdrafts and charge fees on your account. Our Overdraft Protection plan, in turn, allows you to establish a Santander Easy Access Line of Credit, if you qualify, or a savings account and link that account to your checking account so that funds are automatically transferred to your checking account to pay any item that is presented against insufficient funds, up to your available credit limit or the balance in your savings account. There is a transfer fee of $12 for each overdraft transfer and the Easy Access Line of Credit has an annual fee and finance charges. Your savings account may also incur monthly fees if you do not maintain the required minimum balance.</p>  <p>Even if you set up an Overdraft Protection plan, however, you can still enroll in Santander Account Protector and we may pay overdrafts even if you don't have any available credit or funds in your savings account. You can enroll in Santander Account Protector and establish an Overdraft Protection plan or use only one option or choose to use neither of these options.</p>  <p>Some customers may find that using an Overdraft Protection plan is less expensive than enrolling in Santander Account Protector or may decide to use these options together. Other customers may decide that they would prefer to have their ATM and one-time debit card purchases declined if they do not have enough funds in their account. It's up to you to decide how you want us to handle these types of transactions.</p>  <p>For any additional questions or inquiries on Santander Account Protector or Overdraft Protection, please contact a Customer Service Representative at: 1-877-768-2265 7 a.m. to 8 p.m. seven days a week.</p>
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How can I contact you by telephone?Use SHIFT+ENTER to open the menu (new window).
<p>You may contact a Customer Service Representative at 877-768-2265, 7 a.m. to 8 p.m. ET, seven days a week.</p> <p>For customers with hearing impairments, please call 1-800-428-9121 (TTY/TDD).</p> <p>For customers calling from outside the United States, the local numbers are:</p> <ul TYPE=CIRCLE> <li>New England: 401-432-0749 <li>Mid Atlantic and Metro NY/NJ: 610-988-2595</ul>
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How can I determine if an email is legitimate?Use SHIFT+ENTER to open the menu (new window).
<p>Although there are not many signs that will alert you that the email is not legitimate, below are a few:</p> <ul TYPE=CIRCLE> <li>The email may contain spelling and grammatical errors <li>The hyperlink contained in the body of the email takes you to a site other than the "sender's" site.</ul> <p>Visit our <a href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Online Security Center</a> to learn more about fraudulent emails.</p>
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How can I keep my Online Banking information secure?Use SHIFT+ENTER to open the menu (new window).

You are the first line of defense for your online account security. Treat your Online Banking User ID and Password just as you would an ATM or Debit Card PIN. Never write it down. Instead, you should memorize it.
When you have completed your Online Banking session, exit the system by selecting "Log Out" at the top of the page. We also recommend that you clear your Internet browser's cache and history after visiting the online banking site, particularly if you are using a public computer. If you have questions on how to clear your Internet browser's cache and history please contact an Online Banking Representative at 1-877-768-2265, 7 a.m. to 8 p.m. ET, seven days a week.
For customers with hearing impairments, please call 1-800-428-9121 (TTY/TDD).For customers calling from outside the United States, the local numbers are:New England: 401-432-0749Mid Atlantic and Metro NY/NJ: 610-988-2595

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How can I make a payment to my loan financed through a dealer?Use SHIFT+ENTER to open the menu (new window).
<p>Payment options for loans that have been transferred to Santander Consumer USA Inc. are as   follows:</p> <br>Make a payment online in the My Account area of <a   href="http://www.santanderconsumerusa.com/default.aspx">santanderconsumerusa.com</a> You will   need a valid email address and your social security number to establish an online account.</br> <div>Note: A fee of $10.95 will apply</div> <p>Payments are accepted at any local Santander Branch.</p> <p>Payments may be mailed to:<div>Santander Consumer USA Inc.</div> <div>P.O. Box 660633Dallas, Texas 75266-0633</div></p> <p>Payments may be made using Santander's Online Banking and BillPay services<div>Enroll online   at <a href="http://www.santanderconsumerusa.com/default.aspx">santanderconsumerusa.com</a> for   AutoPay and have your monthly payment deducted from your personal checking or savings account.
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How can I obtain Pending Transactions within Telephone and Online Banking?Use SHIFT+ENTER to open the menu (new window).
<P>Please contact a Customer Service Representative immediately, at the number listed below to   report your debit card lost or stolen. A Team member will cancel your debit card and issue you   a new card within our standard delivery timeframes.</P> <P>If you have set up any pre-authorized payments, which are initiated through your debit card,   you must notify the merchant directly to cancel your payments. Once you have received your new   debit card number you must contact the merchant to re-establish any pre-authorized   payments.</P>Our hours of operation are 7 a.m. to 8 p.m To report a lost/stolen debit card after business hours: <UL TYPE=CIRCLE> <LI>Call 1-877-768-2265 <LI>Select your language preference <LI>Option 1 for personal accounts <LI>Option 3 for Automated Telephone Banking <LI>Enter required information <LI>Then Option 0 to be directed to an Agent</UL> <BR>You will then receive the following information:</BR> <P>To speak with an agent, please call back during our regular business hours of 7 a.m. to 8   p.m., 7 days a week or you may reach us via the internet at Santanderbank.com. To report a lost   or stolen ATM or check card, press 1, to return to our automated telephone banking system,   press 2.</P> <P>Note: Your call will be routed to our card servicing center where an agent will close your   card. To request a new card you must contact us at 1-877-768-2265 during regular   business hours.</P><P>If you are calling from outside the United States, please contact us   directly by using one of the following numbers:</P> <P>For accounts opened in the New England region (Connecticut, Rhode Island, Massachusetts, New  Hampshire) call: 401-432-0749 In the Mid-Atlantic region (Delaware, Pennsylvania, New Jersey,   New York, Maryland) call: 610-988-2595</P>
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How can I recognize a fraudulent email?Use SHIFT+ENTER to open the menu (new window).
<p>Some fraudulent emails are easy to spot because they contain misspellings, misused words, or   even a copy of a Webpage within the body of the email. Others may provide more subtle clues,   such as unfamiliar return email addresses or links to Websites that don't include the financial   institution's domain. <a   href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Learn   more</a> about how to identify fraudulent emails.
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How can I stop receiving paper statements?Use SHIFT+ENTER to open the menu (new window).
<p>By selecting the paperless option under delivery method.</p>
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How do I add a Biller to BillPay?Use SHIFT+ENTER to open the menu (new window).
<P>To add a Biller to BillPay:</P> <OL> <li VALUE=1>Select BillPay and ebills</li> <li>Select the Add a Bill button located on the gray bar at the top of the screen.</li> <li>Select one of the following options to add a Biller: <UL TYPE=CIRCLE> <li>Company with an account number <li>Company without an account number     <li>Person</UL></li> <li VALUE=4>Select Company with an account number and Click Continue <li>Enter the Biller name and click Search <li>Select the correct Biller from the search results and click Continue <li>Add the requested Biller information and click Add Bill</ol> <p>The Biller information has been added to the Biller list and will appear in the Payment Center. </p>  View a <a href="https://billpaytest.Santanderbank.com/rxp3/wps?rq=ov&sp=1841&osn=&oss=f978df24f9361b7d09736fe0abfd3cea">BillPay Demo</a>
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How do I cancel a payment set up through BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>You may cancel a bill payment anytime prior to the date in which the funds are extracted for payment processing. You will be able to cancel a pending payment when the cancel option is showing next to the payment in question.</p> To cancel a payment: <OL> <li>Access the BillPay and e-bills tab within online banking. <li>Go to the Pending Payments section on the right hand side of your Payment Center screen. <li>Select Cancel for the appropriate payment, then select Cancel Payment</ol> <p>You may also cancel a Pending Payment from the Bill History page:</p> <OL> <li>Select Bill History <li>Under View Payments and Bills, select the pending payment you wish to cancel <li>Under Action select Cancel, then Cancel Payment.</ol>
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How do I cancel a Recurring payment within BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>In order to cancel a recurring, monthly payment through our BillPay service, please follow the steps below:</p> <OL> <li>Log in to Online Banking. <li>Click on BillPay & e-Bills. <li>Click on Manage my bills. <li>Choose the biller's name from the drop-down list. <li>Click on Delete automatic payment</ol> <p>Note: You will receive a pop up box stating, Are you sure you want to Delete this automatic payment to (will state biller's name), click OK, the automatic payment has been deleted.</p> <OL START=6> <li>Click on Payment Center <li> Under Features next to the biller's name, the automatic payment icon will no longer be displayed.</OL> <p>Important Information: You should also check under the Pending Payments section of the Payment Center to verify that there are no payments pending to this biller.</p>
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How do I cancel my BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>You may cancel your BillPay service at any time by notifiying us of your intent to cancel in writing, through BillPay secure messaging, or by calling Online Banking   customer service at 1-877-768-2265 by selecting the following prompts. Select your language preference, Option 1 for personal account information then Option   4, and Option 3 to reach an Online Banking Representative.Online Banking hours of operation are 7 a.m. - 8 p.m seven days a week.</p> For customers with hearing impairments, please call 1-800-428-9121 (TTY/TDD). <br>For customers calling from outside the United States, the local numbers are:</br> <UL TYPE=CIRCLE> <li>New England: 401-432-0749 <li>Mid Atlantic and Metro NY/NJ: 610-988-2595</ul>
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How do I Change a Bill Reminder?Use SHIFT+ENTER to open the menu (new window).
<p>You may change the reminder options you've set up for a bill. Any changes will affect future reminders for that bill.</p> To Change a Bill Reminder: <OL> <li>Access the BillPay and e-bills tab within online banking. <li>Click Manage my Bills. <li>Select the bill in which you would like to set up a reminder within the Biller Name drop down menu. <li>Select the Update email notification of electronic bill <li>Select the Change reminders for this bill. Your existing reminder options will display below the change option. <li>Enter the appropriate changes to your bill reminders. <li>Click Save Changes.</ol> <p>Your bill reminder will then be changed.</p>
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How do I change my address?Use SHIFT+ENTER to open the menu (new window).
<p>To change your Address go to the Customer Service tab and click on "Change Address" under Other Services. Follow the steps. If all of the data you entered is correct then click "Confirm" and we will process your address change.</p>
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How do I change Online Banking User ID and Password?Use SHIFT+ENTER to open the menu (new window).
<p>The User ID selected for Online Banking is a permanent identifier that cannot be changed unless you suspect fraud or your User ID has been fraudulently compromised. If this happens, call 877-906-7500 to speak with an Identity Theft Assistance Center Representative.</p> <p>Your Password can be changed at any time or as often as you like by Going to the Customer Service tab and clicking on "Change Password" under Online Preferences.</p> <p>Your password will be changed immediately.</p>
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How do I complete an Advanced Search within Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>You may complete an advanced search by accessing the 'Advance Search' feature, located to the right of 'Posted Activity' to select specific transactions.</p> <p>Under 'Advance Search' you are provided with a date range that you are able to search (ex: 'you have history available to view within the following range: 08/04/2009 - 10/15/2009').</p> Selection Types include: <ul TYPE=CIRCLE> <li>All Withdrawals/Deposits <li>Withdrawals Only <li>Deposits Only <li>Checks <li>Online/Telephone Banking <li>ATM/CheckCard</ul> You may also enter a: <ul TYPE=CIRCLE> <li>Date Range <li>Amount Range <li>Check Range</ul>
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How do I delete a biller from my BillPay list?Use SHIFT+ENTER to open the menu (new window).
<p>To delete a biller from your BillPay list:</p> <UL TYPE=CIRCLE> <LI>Select "Manage My Bills" <LI>Select the biller from the drop down list. <LI>Select the radio button next to the "delete" option.</UL> <p>The biller will then be removed from your list.</p>
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How do I discontinue receiving electronic bills from a biller?Use SHIFT+ENTER to open the menu (new window).
<P>You can stop receiving your electronic bills (ebills) through BillPay anytime after the biller processes your request for them. If you stop receiving electronic bills, you also stop any automatic payments that you set up to pay them.</P> <P>When you stop receiving your electronic bills through BillPay, you receive them directly from your biller again. It can take an entire billing cycle to receive bills directly from your biller. You can still pay your bills using BillPay, but you won't be able to view your bills online at the Payment Center.</P> To stop an electronic version of your bill: <UL TYPE=CIRCLE> <LI>Under BillPay and ebills <LI>Click Manage my Bills. <LI>In Biller Name, select the bill you want to stop receiving electronically through BillPay. <LI>Under What would you like to do? click Stop an electronic version of my bill. A confirmation message appears. <LI>Click OK, we then send your request to stop an electronic version of your bill to the biller.</UL>
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How do I dispute an electronic bill?Use SHIFT+ENTER to open the menu (new window).
<p>Any discrepancies or disputes about the accuracy of your e-Bill must be addressed with the biller directly. Santander Bank is not responsible for the accuracy of information contained within an e-Bill.</p>
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How do I download my account information into Quicken/Microsoft Money?Use SHIFT+ENTER to open the menu (new window).
<P>You are able to download your account information into Quicken / Microsoft Money by   initiating the download through our website. Our system downloads information into Quicken   through a web connect download.<PTo download into Quicken or Microsoft Money:</p> <OL> <LI>Logon to your Online Banking account, <LI>Select the account that you wish to download. <LI>Under Posted Activity, click Download History <LI>From drop down menu, select Download   Type(i.e. Quicken/Microsoft Money) <LI>Enter the date range you wish to work with <LI>Click Download History</OL> <P>Additionally,</P> <UL TYPE=CIRCLE> <LI>If this is the first time you have downloaded information for this account, or if Quicken  or Microsoft Money cannot determine which is the appropriate account, you will be asked to   identify the Quicken or Microsoft Money account you use to track this financial information. <LI>If you have set up a Quicken or Microsoft Money account for this account, select Use your   existing Quicken or Microsoft Money account and choose the account from the pop-up list. <LI>If you have not yet set up a Quicken or Microsoft Money account for this account, select   Create a new Quicken or Microsoft Money account and enter a name for this account. <LI>Click Continue. Your recent account history is sent from Santander Bank to Quicken or   Microsoft Money. Depending on the amount of information being sent, you may see a progress bar   indicating how much of the transfer is complete. <LI>Once your recent account history has been transferred, Quicken or Microsoft Money opens and   takes you to the Online Center. You can edit the downloaded transactions, if necessary, before   accepting them into your Quicken or Microsoft Money account register. For example, you may want   to add categories to un-categorized transactions. For more information, see the Quicken or   Microsoft Money help topic, "Comparing downloaded transactions and updating your register."   Quicken or Microsoft Money will close automatically so that you may continue your Online   Banking session.</UL>
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How do I know I am visiting a secure site?Use SHIFT+ENTER to open the menu (new window).
<p>You can identify a secure site by reading the address in the "address" bar at the top of your browser. You will see that the "http://" changes to "https://" (the letter "s" indicates a secured site).</p> <p>Depending on your internet browser, a small gold padlock may appear or the address line will change to green, indicating that the website is secured.</p>
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How do I know when a new electronic bill has been sent?Use SHIFT+ENTER to open the menu (new window).
<P>There are two types of notification by email.</P> <OL> <LI>Electronic Bill via email notifies you of the delivery of an e-Bill, and provides a summary of the bill (due date, amount due, balance, etc.) and as well as the "Pay" button. After you select the "Pay Bill" button, you must sign in to BillPay to go to the "Welcome" page and pay <LI>Email reminder simply notifies you of the delivery of an e-Bill to BillPay but does not contain any summary information or payment options. You will receive an email message with the subject line that reads: "You've got Bills."
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How do I log out of Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>To log out of Online Banking, simply click on 'Log Out' located at the top center of the page.</p>
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How do I Modify a Biller within BillPay?Use SHIFT+ENTER to open the menu (new window).
<P>You may update your biller information based on your most recent statement or e-Bill. To view the Biller information on file within the BillPay product:</P> <UL TYPE=CIRCLE> <LI>Click "Manage My Bills" <LI>Select the appropriate biller <LI>Select "update biller information."</UL> You can then change or modify the biller information accordingly. Once completed, click "save" to ensure your changes have been accepted by the system. <P>Note: If we have a pre-existing relationship with your biller, you will not be able to alter the biller's payment address . You will receive the following message, "Address on File". In this instance, we will use a confirmed pre-managed address provided by your biller with the address they prefer to use for processing payments.</P>
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How do I order a copy of a checking or savings account statement?Use SHIFT+ENTER to open the menu (new window).
<p>To order a copy of a checking or savings account statement:</p> <ul TYPE=CIRCLE> <li>Go to the Customer Service tab <li>Click on "Statement Copy Request" under Deposit Account Services <li>Complete the required fields <li>Click "Continue"</ul> <p>Review your Statement Copy Request details and click "Confirm".</p> <p>Your Statement Copy Request will be mailed to you in 5 to 7 business days.</p>
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How do I reconcile my account transactions with Quicken&reg or Microsoft&reg Money?Use SHIFT+ENTER to open the menu (new window).
<p>Begin with a blank Quicken&reg or Microsoft&reg Money checking account statement, input the appropriate corresponding beginning balance, and download your Santander information daily or weekly. This will give you the ability to use the Quicken or Microsoft Money management tools.</p>
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How do I report a lost or stolen ATM or Santander Debit Card?Use SHIFT+ENTER to open the menu (new window).
 <P>Please contact a Customer Service Representative immediately, at the number listed below to   report your debit card lost or stolen. A Team member will cancel your debit card and issue you   a new card within our standard delivery timeframes.</P> <P>If you have set up any pre-authorized payments, which are initiated through your debit card,   you must notify the merchant directly to cancel your payments. Once you have received your new   debit card number you must contact the merchant to re-establish any pre-authorized   payments.</P>Our hours of operation are 7 a.m. to 8 p.m To report a lost/stolen debit card after business hours: <UL TYPE=CIRCLE> <LI>Call 1-877-768-2265 <LI>Select your language preference <LI>Option 1 for personal accounts <LI>Option 3 for Automated Telephone Banking <LI>Enter required information <LI>Then Option 0 to be directed to an Agent</UL> <BR>You will then receive the following information:</BR> <P>To speak with an agent, please call back during our regular business hours of 7 a.m. to 8   p.m., 7 days a week or you may reach us via the internet at Santanderbank.com. To report a lost   or stolen ATM or check card, press 1, to return to our automated telephone banking system,   press 2.</P> <P>Note: Your call will be routed to our card servicing center where an agent will close your   card. To request a new card you must contact us at 1-877-768-2265 during regular   business hours.</P><P>If you are calling from outside the United States, please contact us   directly by using one of the following numbers:</P> <P>For accounts opened in the New England region (Connecticut, Rhode Island, Massachusetts, New  Hampshire) call: 401-432-0749 In the Mid-Atlantic region (Delaware, Pennsylvania, New Jersey,   New York, Maryland) call: 610-988-2595</P>
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How do I Stop a Bill Reminder within BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>You can stop receiving reminders you've set up through billpay. When you stop reminders for a bill, your reminder no longer appears below the bill in the Pay Bills section of the Payment Center. You also stop receiving any email notifications you've set up.</p> To stop a bill reminder: <ol> <li>Under 'BillPay and ebills' <li>Click 'Manage My Bills' <li>In 'Biller Name', select the bill you want to stop receiving reminders <li>Under 'What would you like to do?' select 'Stop Reminders for this Bill' <li>Click 'OK'</ol>
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How can I see images of my paper checks and deposits? Use SHIFT+ENTER to open the menu (new window).

<p>Through the Online Banking service you will only be able to view and/or print any paper checks or deposits for the current statement and the past two statement cycles ONLY.</P>

<p>To view a cleared check or deposit within Online Banking:
<p><ul>
<li>Login to Online Banking with your User ID and Password.
<li>Click on the appropriate account number
<li>Scroll down to Posted Activity to select a viewable image, (all viewable images will be underlined)
<li>Click on the link to view the image
<li>Select the view of the check item (front only or front and back) and
<li>Print image </ul></li></p>

<p>Note: JavaScript is required to be able to view check copies through our website.</p>

<p><b>IMPORTANT!</b> If you are having difficulties viewing a check or deposit, please ensure that your pop-up blocker is set to allow pop-ups for the current page. If

your system does not allow pop-ups you will not be able to view your image.</p>

<p><b>MAC/Safari</b></p>
<p>To allow Pop-ups, please follow the steps below: </br>
<ul>
<li>Click Safari > Uncheck 'Block pop-up windows', or
<li>Go to Safari > Preference > Security Tab > Uncheck 'Block Pop-up windows'</ul></li></p>

<p><b>Internet Explorer 7&8</p></b>
<p>If you do receive a pop-up notification, then follow the steps below:
<ul>
<li>Click the Notification Bar at the top
<li>Select Always Allow Pop-ups from this site
</ul></li></p>
<p>If you do not receive a pop-up notification, then follow the steps below: </p>
<p><ul>
<li>Go to Tools > Internet Options > Privacy Tab > Settings (In the pop-blocker section)
<li>Enter rolb.santanderbank.com, and
<li>Click Add
<li>Select Close
</li></ul></p>
<p><b>Internet Explorer 9</p> </b>
<p>If you do receive a pop-up notification, then follow the steps below:
<ul>
<li>Click Options for this site at the bottom
<li> Select Always Allow</ul></li></p>
<p>If you do not receive a pop-up notification, then follow the steps below:
<ul>
<li>Go to Tools > Internet Options > Privacy Tab > Settings (In the pop-blocker section)
<li>Enter rolb.santanderbank.com, and
<li>Click Add
<li>Select OK </ul></li></p>

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How do I view my account history in Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>To view your account history, log on to Online Banking and select the Accounts tab. Within the Accounts menu you have the option to view Account Details and Activity as well as view up to 25 months of online statements.</p>
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How does a thief obtain personal information online?Use SHIFT+ENTER to open the menu (new window).
<p>Identity thieves employ both low-tech and high-tech means to acquire information about you   online. <p>Visit our <a   href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Online   Security Center</a> to learn more about how to protect your personal information and identity   online.</p>
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How does the QIF download process work?Use SHIFT+ENTER to open the menu (new window).
<p>The download allows you to transfer account transaction information from the Internet to   older versions of Quicken&reg or Microsoft® Money so that you don't have to manually   transfer all of your banking transactions.</p>
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How does the thief steal someone's identity?Use SHIFT+ENTER to open the menu (new window).
<p>The thief only needs your Social Security Number, your birth date, and other identifying information such as your address and phone number.</p>
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How long will it take for my account to be changed from paper to paperless?Use SHIFT+ENTER to open the menu (new window).
<p>It could take up to one statement cycle for your account to be changed to paperless.</p>
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How long will my statements be available online?Use SHIFT+ENTER to open the menu (new window).
<p>You can view up to 25 months of statements online.</p>
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How long will Santander keep copies of my imaged checks?Use SHIFT+ENTER to open the menu (new window).
<p>Santander will keep copies of your imaged checks for seven years. If you'd like to receive a copy of a cancelled check, you can submit a request online. After the first 12 copies, a $5 per check fee applies. You can also access your recent cancelled checks through Online Banking at no additional charge.</p>
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How long will you keep a record of my payments in BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>Payment history is available for 180 days. If you need to acess payment information prior to this time frame, please contact an Online Banking Representative at 877-768-2265, Option 4 at your earliest convenience.</p>
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How secure is BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>Santander Bank utilizes several layers of technology to ensure the security of your online transactions. We also require that our online Banking and BillPay customers utilize a secure browser with 128-bit encryption.</p>
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How will I know when my paperless statement is available?Use SHIFT+ENTER to open the menu (new window).
<p>Provided we have a valid email address for you, we will send you an email when your statement is available.</p>
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I am having trouble downloading my information into Quicken&reg or Microsoft&reg Money.Use SHIFT+ENTER to open the menu (new window).
<p>Online Banking Representatives are available to assist with most questions about downloading account information to Quicken&reg or Microsoft&reg Money. Please contact us at 1-877-768-2265, and select option 4 from the main menu. Online Banking hours of operation are 7 a.m. - 8 p.m. ET seven days a week.</p>
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I opened a new account. When will I see it in Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Your new account should be available online within 24 hours from the time your account was opened.</p>
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If I enroll in Santander Account Protector, can I change my election?Use SHIFT+ENTER to open the menu (new window).
 <p>Yes, changes to your Santander Account Protector election may be made at any time online or by calling a Customer Service Representative at 877-768-4721, 7 a.m. to 8 p.m. seven days a week.</p>
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Is a check image legal proof of payment?Use SHIFT+ENTER to open the menu (new window).
<p>Imaged checks are considered legal proof of payment by the IRS and in a court of law. If you misplace any of your statements or need a photo of the back of an imaged check, we can provide them anytime.</p>
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Is there a fee to view my online statement?Use SHIFT+ENTER to open the menu (new window).
<p>Online Banking with BillPay is a free service. Online statements are one of the many free benefits on Online Banking with BillPay. There is no fee to view your online statement.</p>
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Is there a minimum and/or maximum dollar amount that may be transferred within Online or Telephone Banking?Use SHIFT+ENTER to open the menu (new window).
<p>A single, online transfer may be made in U.S. dollar amounts between $.01 and $100,000. There is no limit as to the total dollar amount transferred per day.</p>
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Using Online Banking how does the Quicken&reg and Microsoft&reg Money download process work?Use SHIFT+ENTER to open the menu (new window).
<p>Log in to your Online Banking account and select the account that you wish to download, then click "Download History".</p>
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What are e-Bills?Use SHIFT+ENTER to open the menu (new window).
<p>E-Bills are the same bills you now receive from your gas company, phone company, or credit card issuer, delivered online instead of on paper.</p>
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What are Pending Transactions?Use SHIFT+ENTER to open the menu (new window).
<p>Pending Transactions are transactions that have been submitted but have yet to clear your account. Pending Transactions include cash deposits (if made in person with a Teller prior to the cut-off time of 2 p.m.), direct deposits, point-of-sale (POS) purchases, ATM withdrawal, transfer of funds, etc.</p> <p>Note: Checks which have not yet posted to your account are not considered a pending transaction.</p>
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What are the advantages of going paperless?Use SHIFT+ENTER to open the menu (new window).
<p>By going paperless you are helping the environment as well as reducing the possibility of mail fraud and identity theft by stopping delivery of your paper statements. You will have fewer documents to file and you will receive your statement sooner.</p>
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What are the Fees for Wire Transfers?Use SHIFT+ENTER to open the menu (new window).
<p>Incoming Domestic Wire Transfer: <div>$13.00</div></p> <p>Outgoing Domestic Wire Transfer: <div>$25.00</div></p> <p>International Incoming Wire Transfer: <div>U.S. Currency - $13.00</div> <div>Foreign Currency - No Fee</div></p> <p>International Outgoing Wire Transfer: <div>U.S. Currency - $40.00</div> <div>Foreign Currency - $31.00</div></p> <p>Note: When an outgoing international wire transfer is sent utilizing foreign currency only, the fee will be assessed on the monthly service fee date and will be included as part of the monthly service charge. It will not display as an individual wire transfer fee.<p>
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What are the statement check options available to me? Use SHIFT+ENTER to open the menu (new window).
<p>Customers who opt for paper statements (i.e. delivered via the USPS) can choose between having their checks returned to them (Check Return) or seeing images of their checks on their paper statement (Check Image). If you opt for Check Image you can select the number of check images per page and if you want to see the front of the check only or the front and back of the check. For customers who opt for paperless statements (i.e. delivered via Online Banking) will see images of their checks on their online statements.</p>
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What are the supported browsers for BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>Santander Online Banking with BillPay supports several <a href="https://www.santanderbank.com/us/personal/banking/online-and-mobile-banking>browsers</a>.
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What are your current deposit rates?Use SHIFT+ENTER to open the menu (new window).
<p>The rates for the account(s) can be found on the Santander Bank Website.</p> <div>-<a href="http://www.Santanderbank.com/personal/banking/checking/detail-grid-checking.asp">Checking</a> <div>-<a href="https://www.santanderbank.com/us/personal/banking/checking/premier-banking">Money Market Savings</a>
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What are your Customer Service hours of operation?Use SHIFT+ENTER to open the menu (new window).
<p>You may reach a Customer Service Representative at 1-877-768-2265. For your convenience, Customer Service Representatives are available from 7 a.m. and 8 p.m. ET, seven days a week.</p>
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What are your Online Banking Customer Service hours of operation?Use SHIFT+ENTER to open the menu (new window).
<p>You may contact an Online Banking Representative at 1-877-768-2265. Select your language preference, option 1 for personal account information and option 4 for Online Banking. For your convenience Online Banking Representatives are available 7 a.m. - 8 p.m. ET, seven days a week.</p>
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What can I change when modifying a recurring transfer?Use SHIFT+ENTER to open the menu (new window).
<p>When modifying a recurring transfer you can change the "To Account", the "Transfer Amount" and the dates. You cannot change the "From Account". If you wish to change the “From Account” for a recurring transfer you must delete the existing recurring transfer and set up a new recurring transfer.</p>
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What can I do to protect my identity from being stolen online?Use SHIFT+ENTER to open the menu (new window).
<p>Although it is nearly impossible to completely close online access to your personal and   credit information, you can dramatically decrease the risk of identity theft through prudent   management of your information and changes to your daily habits online.</p>  <p>Visit our <a   href="http://www.Santanderbank.com/personal/security-center/online-security-center.asp">Online   Security Center</a> to learn more about how to protect your personal information and identity   online.
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What happens if I do not select "Log Out and "X" out of the browser when leaving Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>By default, Online Banking has a 10-minute "time out" feature. If the session is idle for 10 minutes (no clicks within the browser), the user is automatically disconnected.</p>
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What happens if my bill payment arrives late?Use SHIFT+ENTER to open the menu (new window).
<p>The Santander Bank <a   href="http://www.Santanderbank.com/personal/banking/online_banking/billpay_faq.asp#faq_1_13">Bill Pay Guarantee</a> will pay your late payment charges if a payment you've scheduled, within the guidelines outlined in your BillPay agreement, should arrive after its due date.  Questions about a specific payment may be submitted using our <a   href="http://www.Santanderbank.com/personal/banking/online_banking/billpay_faq.asp#faq_3_0">Pay  ment Inquiry option.</a></p>
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What is "phishing"?Use SHIFT+ENTER to open the menu (new window).
<p>Phishing is a form of email fraud. It is sent by a person or group of people in an attempt   to obtain a customer's personal identification information. <a href=" http://www.Santanderbank.com/personal/security-center/online-security-center.asp">Learn   more</a> about how to identify fraudulent emails.
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What is a QIF download?Use SHIFT+ENTER to open the menu (new window).
A QIF (Quicken&reg Interchange Format) file is a specially formatted text file used to transfer data between different Quicken data files, from a bank's website. Learn more about a QIF download.</p>
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What is a Returned Deposited Item?Use SHIFT+ENTER to open the menu (new window).
<p>A Returned Deposited Item (RDI) is a check that has been returned to a depositor because it could not be processed against the check originator's account.</p> <p>Deposited items can be returned for many reasons, such as insufficient funds or a questionable signature.</p> <p>Funds from items you deposit are made available to you even if the item you are depositing has not cleared the bank on which it was drawn. Thus, if any item you deposit is returned to us unpaid, regardless of why it is returned, we reserve the right to debit your account for the amount of the item plus any applicable fees. If the check you deposit is returned because there are insufficient funds in the account on which it is drawn or for any other reason, you will be responsible for the amount of the check.</p> <p>Customers are charged a $10 fee ($25 for an international check) when a check which has been deposited is returned unpaid.<p> <p>Within seven business days, Santander mails a notice with the Returned Deposited Item (RDI) to the customer which includes the following information:<div>Amount of   the fee assessed</div><div>Amount that the Bank charged back to (i.e., deducted from) the depositor's account</div>
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What is a Santander Easy Access Line of Credit?Use SHIFT+ENTER to open the menu (new window).
<p>Santander Easy Access Line of Credit (LOC) is a line of credit which is attached to a checking account.   The sole purpose of an Overdraft Protection account is to assist in the prevention of overdrafts on the   checking account. If the checking account, in which the line of credit is attached to becomes overdrawn, and   you have not exceeded your available credit limit, funds from your Santander Easy Access LOC account will be   transferred to the designated checking account to prevent an overdraft.</p> </p>Note: The full dollar amount plus the sweep fee of $12 must be available in your Santander Easy Access   LOC in order for the funds to sweep to the checking account. A Santander Easy Access LOC may be linked to   multiple deposit accounts for overdraft protection.</p> <p>The minimum requirement for a Santander Easy Access LOC is $1,000 and the maximum amount is $5,000.</p> <p>Applicants for a Santander Easy Access LOC must reside within Santander's footprint. Santander's footprint   is defined as those states in which Santander maintains a branch presence. Currently CT, PA, NH, NJ, NY, MA,   MD, and RI, DE and VA are considered in footprint for the purposes of residency.</p> <p>For additional information regarding a Santander Easy Access LOC, please contact a Customer Service   Representative at 1-877-768-2265, 7 a.m. to 8 p.m. ET, seven days a week.</p> <p>To apply for a Santander Easy Access LOC you may: <ul> <li> Apply Online <li>Contact a Customer Service Representative 1-877-768-2265, 7 a.m. to 8 p.m. ET, seven days a week <li> Or visit any of our Branches</p></ul></li>
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What is a Sweep Fee?Use SHIFT+ENTER to open the menu (new window).
<p>As part of your overdraft protection agreement, a sweep fee is assessed when funds are automatically transferred from the account you have designated as a "sweep" account to cover transactions presented for payment against your checking account that would otherwise have resulted in an overdrawn balance. One sweep fee is assessed to your account each day a sweep takes place.</p> <p>With Overdraft Protection you are assessed a $12 fee each day that funds are transferred; opposed to a $35 fee for every item that overdraws your account. You may avoid this fee in the future by transferring the funds using our automated telephone system or online banking prior to 8:00 pm.</p>
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What is an online statement?Use SHIFT+ENTER to open the menu (new window).
<p>An online statement is an electronic copy of your monthly account statement. Your online statement is the same as the paper statement except that check images are included in your online statement. Enrollment in Online Banking with BillPay is required to view your online statement.</p>
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What is an overdraft?Use SHIFT+ENTER to open the menu (new window).
<p>An overdraft on your checking or money market savings account occurs when you do not   have enough money in your account to cover a transaction, but the transaction is still   processed by Santander.</p>  Santander currently authorizes and pays overdrafts for the following types of transactions: <ul TYPE=CIRCLE>  <li>Checks and other transactions made using your checking account number <li>ATM withdrawals and transfers <li>Automatic bill payments <li>One-time debit card transactions <li>Online Banking payments and transfers <li>Recurring debit card transactions</ul>  <p>We pay overdrafts at our discretion, which means we do not guarantee that we will always   authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your   transaction will be declined.</p>  <p>If we do authorize and pay an overdraft,under Santander Bank's standard account overdraft   practices, a fee of $35 will be charged for each item that is presented against insufficient   funds in your account. If your account is overdrawn for 5 or more consecutive business days, an   additional $5 per day will be charged.</P> Note: There is a limit of 6 overdraft fees per day for overdrawing your account.
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What is BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>BillPay is Santander Bank's online product that allows you to pay bills.</p>
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What is Santander Account Protector?Use SHIFT+ENTER to open the menu (new window).
If you enroll in Santander Account Protector, we may pay ATM withdrawals and transfers and one-time debit card transactions that overdraw your checking or money market savings account and charge you overdraft fees, as described above. If you do not enroll in Santander Account Protector, ATM withdrawals and transfers and one-time debit card transactions that would overdraw your checking or money market savings account will be declined and you will not be charged any overdraft fees on these types of transactions.   For any additional questions or inquiries on Santander Account Protector, or to apply please contact a Customer Service Representative at: 1-877-768-2265 7 a.m. to 8 p.m. seven days a week.
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What is Santander doing to protect itself and its customers' personal information?Use SHIFT+ENTER to open the menu (new window).
<p>As your bank, it is our responsibility to protect your financial assets and safeguard the confidentiality of your personal information.</p> <p>The best defense against safeguarding our customers and ourselves is through educating our customers. Learn more about how we make <a href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Online Banking secure</a> or visit our <a href="http://www.santanderbank.com/us/personal/banking/online-and-mobile-banking/security-center">Security Center</a> to learn how to protect yourself online.</p>
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What is Santander IdentityProtector Program?Use SHIFT+ENTER to open the menu (new window).
<p>Santander's Identity Protector delivers proactive identity theft protection solutions to   help safeguard individuals and provides the power and resources to manage and protect your   credit and personal information.  <Link to Santander Identity Protector page</p>    <p>The Membership Fee may be debited from any Santander bankcard or credit card as well as   another financial institutions card.  Please note that the Membership Fee is per person and not   per account.</p>  <p.For any additional questions or inquiries on Santander IdentityProtector, or to apply please   contact a Customer Service Representative at: 1-877-768-2265 7 a.m. to 8 p.m. seven   days a week.</p>
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What is the "Messages Page" in BillPay?Use SHIFT+ENTER to open the menu (new window).
<p>The Messages Page provides you with the secure option to send feedback and questions about your BillPay accounts and service.</p>
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