What is Santander Bank's routing number?

Santander Bank uses different routing numbers depending on your state. New Jersey: 021407912. Massachusetts, Connecticut, New Hampshire, Rhode Island, Vermont, Maine: 011075150. New York: 021001486. Pennsylvania and Delaware: 031100089. Washington DC, Maryland, Virginia: 054015040. Check a voided check or your online banking to confirm your state's routing number.

What states does Santander Bank operate in?

Santander Bank operates in 8 Northeast states: New Jersey, New York, Pennsylvania, Delaware, Massachusetts, Connecticut, Rhode Island, New Hampshire, Vermont, Maine, plus Washington DC, Maryland, and Virginia. Santander has approximately 400 branches concentrated in the New York City metro, Boston, and Philadelphia areas.

Is Santander Bank FDIC insured?

Yes. Santander Bank, N.A. is federally insured by the FDIC (Certificate #33993). Deposits are insured up to $250,000 per depositor, per ownership category. Santander Bank, N.A. is the US subsidiary of Spain-based Banco Santander and operates independently under US banking regulations.

What is Santander Bank's main checking account?

Santander's primary checking account is Simply Right Checking. It has a $10 monthly fee that is waived if you maintain a $1,500 minimum daily balance OR make at least one qualifying transaction per month. Simply Right includes Zelle, mobile deposit, and access to Santander's ~400 ATMs with no fee.

Santander Bank 2026 Guide: Routing Numbers, Fees, Accounts and Reviews

Santander Bank is a Northeast regional bank with ~400 branches in 8 states. It offers straightforward checking and savings accounts with fee waivers that are easy to meet. This guide covers everything you need to know about Santander Bank in 2026.

Santander Bank at a Glance

Feature	Details
Full name	Santander Bank, N.A.
FDIC Certificate	33993
Parent company	Banco Santander (Spain)
Branches	~400 in 8 Northeast states
ATMs	~2,000 (own + partner network)
SWIFT code	SVRNUS33
Customer service	1-877-768-2265
Online banking	santanderbank.com

Routing Numbers by State

Santander Bank uses five routing numbers depending on your state. Use the routing number for the state where your account was opened.

State	Routing number
New Jersey	021407912
Massachusetts, Connecticut, NH, RI, VT, ME	011075150
New York	021001486
Pennsylvania, Delaware	031100089
Washington DC, Maryland, Virginia	054015040

For international wire transfers, use SWIFT code SVRNUS33.

See the full details at Santander Bank Routing Number 2026.

Checking Accounts

Account	Monthly fee	How to waive
Simply Right Checking	$10	$1,500 min daily balance OR 1 qualifying transaction
Santander Basic Checking	$0	No conditions

Simply Right Checking is Santander’s primary account. The $10 fee is easy to waive — just keep $1,500 in the account or make any one qualifying transaction (debit purchase, ACH, direct deposit) each month.

Santander Basic Checking is a no-fee option with limited features, similar to a second-chance account.

Savings Accounts

Account	APY	Monthly fee	Waiver
Simply Right Savings	~0.01%	$1/month	Linked to Simply Right Checking
High Yield Savings	Varies (promotional)	$0	Minimum balance applies

Santander’s standard savings rate is not competitive. For meaningful interest, pair a Santander checking account with an external high-yield savings account.

Quick Facts: Fees and Limits

Item	Details
Overdraft fee	$35 per item
Max OD fees per day	3 ($105 maximum)
Non-Santander ATM fee	$3
Domestic wire (outgoing)	$25–$30
International wire (outgoing)	$40
Zelle daily limit	$2,500

See the complete fee schedule at Santander Bank Fees 2026.

All Santander Bank Guides

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy