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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><p>Click here to learn more about Mobile Banking and all of its great features.
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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>Using BillPay within Online Banking allows you to pay virtually any person or company with a U.S. address. You may still use your personal checks if you choose to do so.  Click here to learn more about how BillPay helps you stay on top of your finances.</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 "Pending Transfers" within the Transfer tab.  Select "Delete Transfer" from the dropdown menu underneath actions and press "Go."   You will then need to pass through the confirmation screens in order to delete the transfer.</p>
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Can I go paperless for all of my accounts?Use SHIFT+ENTER to open the menu (new window).
<p>Paperless statements are available for deposit and credit card accounts. We hope to make paperless statements an option for all accounts in the future.  Click here to learn more about all the great benefits of paperless statements.</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 using BillPay in Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>BillPay gives you the convenience of paying all of your bills within Online Banking.  You can use BillPay to make an any number of payments each month to any biller within the US.  Click here to learn more about BillPay and all of it's convenient features.</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).

Yes, you may place a Stop Payment on a single check that you have written from your checking account.

  • Go to the Customer Service tab
  • Click on "Stop Payment on a Check" under Deposit Account Services
  • Enter the stop payment details and click "Continue"
  • Review the Stop Payment details and click "Confirm" to submit your request.

A copy of this transaction will be mailed to you for your records. Your Stop Payment will be in effect for the remainder of this month and an additional 6 months.

Fee information: You will be assessed a $30.00 fee per Stop Payment request.

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Can I access Online Statements?Use SHIFT+ENTER to open the menu (new window).
<p>Yes. Online Statements are available to all customers enrolled in Online Banking with BillPay.  Click here to learn more about the benefits of Online Statements.</p>
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Can I schedule a future dated transfer in Online or Mobile Banking?Use SHIFT+ENTER to open the menu (new window).
<p>You may schedule a future dated transfer to take place up to year in advance in Online or Mobile Banking.  The funds will be debited from your account on the future date that you choose.</p>
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Can I schedule recurring transfers within Online BankingUse SHIFT+ENTER to open the menu (new window).
<p>You can conveniently schedule a recurring transfer to take place on the specified date for the specific amount that you choose in Online Banking.</p> <p>Recurring transfers are not available within Mobile Banking. One - time future dated transfer may be scheduled up to one year 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></p><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 within Online Banking<li>In the Payment Center, click Reminders underneath the biller<li>Select the Set up reminders for this bill link<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 select your preferred date<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 Send Reminders. Your reminders for this bill are set.</Ul></p><p>You may not need BillPay reminders:</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 AutoPay for a bill. Those payments automatically appear in the Pending Payments section of the Payment Center.</Ul></p>
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What is Mobile Check Deposit?Use SHIFT+ENTER to open the menu (new window).

<p>Mobile Check Deposit is a feature that provides you the convenience of depositing checks on your schedule, without needing to visit a branch or an ATM. All you need is a smartphone or a tablet with the Santander Personal Mobile Banking App (available for iOS and Android devices). You just have to take a picture of the front and the back of the check, select the account in which to deposit and enter the dollar amount of the check and confirm your details. You will receive a confirmation number once you are done.</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 accounts at another bank?Use SHIFT+ENTER to open the menu (new window).

<p>Yes, in an ongoing effort to enhance our Online and Mobile Banking service, you can now securely send money to anyone's account at any bank in the U.S. using transfers.</p><p>Whether it's to your own accounts or to your friends and family, sending money through Online and Mobile Banking is simple, secure and free.  Additionally, you'll receive an extra layer of security when you register for our One-Time Passcode (OTP) service.  For your protection, OTP is required when you send more than $500 per day, or set-up a recurring transfer of any amount to someone else's account.</p><p>To get more detailed information about sending money to any account at any bank in the U.S., please visit our Send Money Page.</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 in Online Banking?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 in Online Banking.</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 within Online Banking.</p>
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What does email fraud look like?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 Online and Mobile Banking Security Center to learn more about fraudulent emails.</p>
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Do all billers offer 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.  Click here to review the participating companies that offer e-Bills</P>
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What do I need to access my online statement?Use SHIFT+ENTER to open the menu (new window).
<p>To view your online statement within Online Banking in PDF format, 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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How can I 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><p><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 emails from recognized sources and senders <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><p>Visit our Online and Mobile Banking Security Center for more suggestions on how to protect yourself from Internet fraud.</p>
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Do you offer Live Chat in Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Santander does not currently support Live Chat but we will certainly contact our valued customers as soon as Live Chat is available in Online Banking.</p><p>If you have any questions related to Online or Mobile Banking, you may contact a Customer Contact Center Advisor at 1-877-768-2265 between 6 a.m. and 10 p.m. ET, seven days a week.  You may also send us an email or contact us through social media.  We will respond to your questions as soon as we can.</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 fraudsters 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, 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 Online and Mobile Banking Security Center 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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What happens if my account is overdrawn?Use SHIFT+ENTER to open the menu (new window).
<p>As a result of a change to Federal Regulation E, effective August 15, 2010, Santander Bank will no longer authorize or pay overdrafts on ATM withdrawals and transfers or one-time debit card transactions unless you have authorized us to do so and agree to overdraft fees of $35 per debit.</p>
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How are my BillPay payments sent?Use SHIFT+ENTER to open the menu (new window).
<P>Depending on the biller, payments made through BillPay are either sent electonically or via paper checks.</P>
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<p><font color="white">Remove</font></p>Use SHIFT+ENTER to open the menu (new window).

<p><font color="white">Remove</font></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 Contact Center Advisor at <b>1-877-768-2265</b>, 6 a.m. to 10 p.m. ET, seven days a week (excluding federal holidays).</p> <p>For customers with hearing impairments, please call <b>1-800-428-9121 (TTY/TDD).</b></p> <p>For customers calling from outside the United States, please call <b>1-401-824-3400.</b></p>
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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> <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> <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).

<p>Santander always has your security in mind and you can confidently rely on us to safeguard your Online Banking account information.  You can always visit our Security page for more detailed information on how we protect your account and credentials.</p><p>We also suggest you treat your Online Banking User ID and Password just as you would an ATM or Debit Card PIN to help further safeguard your Online Banking account information. Memorize your credentials and never write them down.</p>
<p>For security purposes, always exit out of Online Banking by selecting the "Log Out" button at the top of the page. We also recommend that you clear your Internet browser's cache and history on a periodic basis after using Online Banking, particularly if you are using a public computer.</p>

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How can I make an auto loan payment through Online Banking?Use SHIFT+ENTER to open the menu (new window).

<p>Payments for Auto Loans financed directly through Santander can be made through Online Banking, provided that you have a Santander Checking or Savings account linked to your Auto Loan.</p><p>You can make a payment by using the transfer funds option in Online Banking.  Take the following steps to transfer funds:</p>

<ul TYPE=CIRCLE><li>Login to Online Banking<li>Select the Transfer Funds tab<li>Select the Account From, in which the funds are to be debited<li>Select the Account To, in which the funds are to be credited<li>Enter a Transfer Amount<li>Select the Frequency - One-Time transfer, Weekly, Biweekly, Monthly, Quarterly, Semi Annually, Annually.<li>Click Continue<li>Review the Transfer Details and press Confirm</ol>

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How can I find my pending transactions within Online Banking?Use SHIFT+ENTER to open the menu (new window).
<P>To view your pending transactions through Online Banking, follow the below steps:</P><p><UL TYPE=CIRCLE> <LI>Login to Online Banking<LI>Select the appropriate account number within the Account Overview page.<LI>Your recent pending transactions will be displayed</UL> </p><p>Pending transactions on the account include ATM holds, cash deposits (if made in person with a Teller) or withdrawals, ACH debits or credits, transfers, and check card holds.</P>
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What accounts are eligible for Mobile Check Deposit? Use SHIFT+ENTER to open the menu (new window).

<p>Any Santander personal Checking, Savings or Money Market Savings accounts are eligible to receive Mobile Check Deposit (except for passbook Savings or IRA Money Market Accounts). You must be enrolled in Santander Online Banking, and have logged in to Online Banking at least once to use Mobile Banking. You will also need to agree to the Mobile Check Deposit Agreement and the Online Banking Agreement.</p>

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How can I stop receiving paper statements?Use SHIFT+ENTER to open the menu (new window).
<p>Please visit our Paperless Page to learn more about how to stop receiving paper statements in the mail.  From there you'll learn all the benefits to you and the environment when you Go Paperless</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 in BillPay:</P><p><UL TYPE=CIRCLE> <LI>Login to Online Banking.<LI>Click on the BillPay tab.<LI>Select "Add a Company or Person to Pay."<li>Enter the name of any company or person in the U.S.<li>Select the company or person you would like to add.  You will be able to manually enter the necessary information if the company or person does not appear after your search.<li>Enter and confirm the account information for companies.  If you are adding a person you will be asked for their address information.<li>Click on "Add Bill."<li>You will receive a confirmation email to the address on file. </UL></p> <p>The biller will now appear in your BillPay Payment Center allowing you to make payments easily and securely.</P>
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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 drawn from your account for payment processing. You will be able to cancel a pending payment when the "cancel" link is showing next to the payment.</p> To cancel a payment:</p><UL TYPE=CIRCLE> <LI>Click on the BillPay tab<LI>Select the "cancel" button next to the pending payment located on the right hand side of the Payment Center screen<li>Confirm your cancellation</ul></p> <p>Please note that you may also cancel a pending payment from the Bill History tab.</p>
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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 or monthly payment through BillPay, please follow the steps below:</p><ul TYPE=CIRCLE><li>Log in to Online Banking</li> <li>Click on the BillPay tab</li><li>Click on "AutoPay" underneath the biller you would like to change</li><li>Click on "Stop Recurring Payment" or "AutoPay"</Ul></li></p><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 support at 1-877-768-2265</p>
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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> <p>To change a bill reminder:</p><p><li>Click on the BillPay tab within Online Banking<li>Click Manage My Bills <li>Select the biller you are looking to modify<li>Select the Change reminders and your current reminder options will be displayed<li>Enter the appropriate changes to your bill reminders<li>Click Save Changes</p><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 "My Profile and Preferences" and then select "Change Address" under Personal Information.  Follow the steps. If all of the data you entered is correct, click "Confirm" and we will process your address change.</p>
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How do I reset or change my Online and Mobile Banking Password?Use SHIFT+ENTER to open the menu (new window).
<p>Your Online and Mobile Banking 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 My Profile and Preferences.  You will be asked to enter your current password along with your new password.  Your password will be changed immediately and can be used in both Online and Mobile Banking</p><p>If by chance you have forgotten your Online and Mobile Banking Password, you may use the "Forgot your Password" link on the Santanderbank.com homepage or within the Mobile Banking app.  For security purposes, you will be asked to enter in required personal information including your Debit/ATM card number and PIN.</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' link in the Account Details and Activity page of Online Banking</p> <p>Under 'Advance Search' you are provided with a date range that you are able to search.</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>
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<font color="#ff0000"><b>NEW!!!</b></font> 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><p><UL TYPE=CIRCLE> <LI>Click on the BillPay tab <LI>Select the biller within the Payment Center. <LI>A dropdown menu will appear with a link titled "Details".<LI>A new window will appear with a link to "Remove" the appropriate biller</UL></p><p>The biller will now be removed from your list of billers including all of the scheduled payments and preferences you have set up.</p>

Modify/Delete Biller

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How do I stop receiving e-Bills from a biller?Use SHIFT+ENTER to open the menu (new window).
<P>You can stop receiving your electronic bills (e-Bills) through BillPay anytime. If you stop receiving e-Bills, you also stop any automatic payments that you set up to pay them.</P> <P>When you stop receiving your e-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>Select the BillPay tab <LI>Click on e-Bills link underneath the appropriate biller<LI>A dropdown menu will appear with a link to "cancel e-Bills"<LI>Click "Stop e-Bills" to confirm your selection</p>
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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 Online Banking. Our system downloads information into Quicken through a web connect download.<P>To download into Quicken or Microsoft Money:</p><p><LI>Login to Online Banking<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</p><P>Read below for additional information:</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 e-Bill has been sent?Use SHIFT+ENTER to open the menu (new window).

<P>If you have signed up for e-Bills with your specfic biller using BillPay, you will receive an email notification when your e-Bill is available. There are two types of BillPay notifications by email.</P><p> <LI>E-Bill notifications sent via email notifies you of the delivery your electronic bills, and provides a summary of the bill.<LI>BillPay reminders and notifications let you know when your bill is due.  They may also let you know when payments have been made or when you've added a new biller.</p>

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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 update your biller information in BillPay:</P><p> <UL TYPE=CIRCLE> <LI>Click on the BillPay tab<LI>Click on the biller you'd like to update <LI>A dropdown menu will appear <LI>Select "Details."</p></UL><p>You can then change or modify the biller information accordingly. Once completed, click "Save changes" to ensure your changes have been saved.</p> <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 <b>1-877-768-2265</b> to report your debit card as lost or stolen.  A Representative will cancel your card and issue you a new card within our standard delivery timeframes of 5-7 business days.</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 card number, you must contact the merchant to re-establish any pre-authorized payments.</P><p>Our hours of operation are 6 a.m. to 10 p.m (excluding federal holidays.</p><p>To report a lost/stolen debit card after business hours:</p> <p><UL TYPE=CIRCLE> <LI>Call <b>1-877-768-2265</b> <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></p><p>You will then receive the following information:</p><P>"To speak with an agent, please call back during our regular business hours of 6 a.m. to 10 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 Debit 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 <b>1-877-768-2265</b> during regular business hours.</P><P>If you are calling from outside the United States, please contact us   at: <b>1-401-824-3400.</b></P>
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<font color="#ff0000"><b>NEW!!!</b></font> What types of checks are accepted using Mobile Check Deposit?Use SHIFT+ENTER to open the menu (new window).

<p>Santander's Mobile Check Deposit will accept the following types of checks:</p><p><li>Personal checks<li>Business checks<li>Cashier's checks<li>Money Orders (except US Postal Service Money Orders)<li>U.S. Treasury or Government checks</p><p>The following checks are not eligible for Mobile Check Deposit:</p><p><li>Checks not drawn on a U.S. institution or not in U.S. dollars<li>U.S. Savings bonds<li>US Postal Service Money Orders<li>Traveler's checks<li>Checks not payable to you<li>Checks that already have been deposited</p>

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How can I see images of my checks and deposits in Online Banking? Use SHIFT+ENTER to open the menu (new window).

<p>You will be able to view and/or print any paper checks or deposits that have posted to your account in Online Banking.</P><p>To view a cleared check or deposit within Online Banking:</p>
<p><ul><li>Login to Online Banking
<li>Select the account with the posted transaction you are looking for<li>Scroll through your posted activity and 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>Save or Print the 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 from 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<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. Please visit our Online and Mobile Banking Security Center 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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Is there a fee for using Mobile Check Deposit?Use SHIFT+ENTER to open the menu (new window).

<p>No. There is no fee to use Mobile Check Deposit at this time. Data rates may apply. Check with your service provider for details on specific fees and charges.</p>

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How long will it take for my paperless selection in Online Banking to take affect?Use SHIFT+ENTER to open the menu (new window).
<p>It could take up to one statement cycle for you to stop receiving paper statements.</p><p>Visit our Paperless page to learn more about all the great benefits associated with paperless statements.</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 many months of BillPay payment history is available in Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>We keep up to 24 months of your payment history in  the BillPay section of Online Banking.</p><p>If you need to acess payment history that dates back further than 24 months, please contact an Online Banking Representative at 1-877-768-2265, and select Option 4.</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 including BillPay. We also require that our Online Banking and BillPay customers utilize a secure browser with 128-bit encryption.</p><p>Please visit our Security page to learn more about how we protect your money against any online fraud or losses when you notify us promptly.</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>If you have enrolled in paperless statements, we will send you an email to the address on file when your statement is available in Online Banking.</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 6 a.m. - 10 p.m. ET seven days a week.</p>
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When will I see my new account in Online Banking?Use SHIFT+ENTER to open the menu (new window).
<p>Your new account will be available in Online Banking within 24 hours from the time your account was opened.</p>
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When can deposits be made using Mobile Check Deposit?Use SHIFT+ENTER to open the menu (new window).

<p>You can make a Mobile Check Deposit at your convenience, any time of day, 7 days a week. Deposits received after the 10p.m. ET cut-off time on business days or on a non-business day will be considered received on the following business day.</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, please contact us at <b>1-877-768-4721</b>.</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 including online statements.  Visit our Online and Mobile Banking page to learn more about all of the great features and benefits Santander has to offer.</p>
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Is there a limit to how much I can transfer between my Santander accounts in Online and Mobile Banking?Use SHIFT+ENTER to open the menu (new window).
<p>You may transfer funds between your Santander checking, savings and money marke accounts in ady dollar amount between $.01 and $999,999.99.</p><p>Transfers you schedule on a business day before 8:00 p.m. ET will be posted to your account as of that business day.  If you make a transfer on a business day after 8:00 p.m. ET or on a non-business day, your transfer will be posted to your account as of the next business day.</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 and stopping your paper statements, you are doing your part to help the environment.  Paperless statements also helps reduce the possibility of mail fraud and identity theft as all of your statements will be in one secure location within Online Banking.</p><p>Click here to learn more about all the great benefits of paperless statements.</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 - No Fee</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 can choose between having their checks returned to them (Check Return) or seeing images of their checks on their paper statement (Check Image).</p><p>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.  Customers who sign up for paperless statements will see images of their checks within their monthly statements found in Online Banking.</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 browsers.  Please review this most up to date list for more information.</p>
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Where can I learn more about your CD and Money Market interest rates? Use SHIFT+ENTER to open the menu (new window).
<p>Santander offers a wide variety of CD and Money Market Savings products with competitive interest rates.</p><p>Click here to learn more about the benefits of our CDs.</p><p>Visit our Money Market Savings page to see what account works best for you.</p>
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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 6 a.m. and 10 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 6 a.m. - 10 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 Online and Mobile Banking Security Center 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>Your Online Banking session automatically times out after 10 minutes of inactivity. If the session is idle for 10 minutes (no clicks within the browser), you will be automatically signed out of your account.</p>
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What happens if my bill payment arrives late?Use SHIFT+ENTER to open the menu (new window).
<p>Our BillPay Guarantee will reimburse any late fees if a payment you've scheduled, within the guidelines outlined in your BillPay agreement, should arrive after its due date.</p><p>However, this does not include any delay caused by the biller's failure to post the payment in a timely manner.</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.  Click here to learn 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 fee ranging from $5-$15 based on your location ($25 for an international check) when a check which has been deposited is returned unpaid.  Please check your fee schedule for details.<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 (deducted) to the depositor's account</div>
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What is an Overdraft Line of Credit?Use SHIFT+ENTER to open the menu (new window).
<p>Santander's Overdraft Line Of Credit is a line of credit which is attached to a checking account.   The sole purpose of an Overdraft Line Of Credit account is to assist in the prevention of overdrafts on the your 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 Overdraft Line Of Credit 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 an Overdraft Line Of Credit in order for the funds to sweep to the checking account. Your Overdraft Line Of Credit may be linked to multiple deposit accounts for overdraft protection.</p> <p>The minimum requirement for an Overdraft Line Of Credit is $1,000 and the maximum amount is $5,000.</p> <p>Applicants for an Overdraft Line Of Credit 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 an Overdraft Line Of Credit, please contact a Customer Service   Representative at 1-877-768-2265, 6 a.m. to 10 p.m. ET, seven days a week.</p> <p>To apply for an Overdraft Line Of Credit you may: <ul> <li> Apply Online <li>Contact a Customer Service Representative 1-877-768-2265, 6 a.m. to 10 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><p>We <b>do</b> authorize and pay overdrafts for the following types of transactions: <ul TYPE=CIRCLE> <li>Checks and other transactions made using your checking account number<li>Recurring debit card transactions<li>Automatic bill payments <li>Online Banking payments and transfers </ul>  <p>We <b>do not</b> authorize and pay overdrafts for the following types of transactions <b>unless</b> you ask us to:<ul TYPE=CIRCLE><li>ATM transactions<li>One-time Debit Card purchases</ul TYPE=CIRCLE></p><p>If you want us to authorize and pay overdrafts on ATM and one-time Debit Card transactions, visit a Santander branch, or contact our Customer Service Center at 1-877-768-2265, 6 a.m. to 10 p.m., seven days a week (excluding Christmas Day).</p><p><b>IMPORTANT!</b> 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, a one-time $35 fee will be charged on the 6th consecutive business day that the account is overdrawn.</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 to virtually anyone with a US address within Online or Mobile Banking.</p>
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<p><font color="white">Remove</font></p>Use SHIFT+ENTER to open the menu (new window).
<p><font color="white">Remove</font></p>
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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. Please visit our Online Banking security page to learn more about how your accounts are safe with Santander.  You may also visit our Security Center for helpful tips about protecting yourself online.</p>
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<p><font color="white">Remove</font></p>Use SHIFT+ENTER to open the menu (new window).

<p><font color="white">Remove</font></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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