TD Bank vs Santander Bank

TD Bank is an east Coast bank with relatively low minimum balance requirements. How does it compare to Santander Bank? Read our comparison chart below.

TD Bank has over 1,100 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

While Santander Bank has over 600 branches in the Northeast. Offers a range of checking and savings accounts, with simple requirements to waive service fees. High balance customers can earn higher interest. Their CDs offer high a APY with $500 minimum opening deposit.

Compare TD Bank with Santander Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	TD Bank	Santander Bank
	SPECIAL OFFER TD $300 Beyond Checking Bonus - Learn More Read TD Bank Review	SPECIAL OFFER 6-Month CD - 4.15% APY - Learn More Read Santander Bank Review
	Benefits and Features
Savings	0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.	0.03% APY. $25 Minimum opening deposit. $1 monthly fee, unless 1) You have a Santander Checking Account, or have 2) $100 average daily balance in your savings account.
CD	1.00% APY (up to 3.75% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).	4.00% to 4.15% APY. 6 - 17 months. Minimum deposit of $500, with Santander Checking Account.
Checking	TD Complete Checking, TD Beyond Checking, TD Essential Banking
Money Market		0.03% - 0.05% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.
Mobile App	iOS & Android
ATMs	2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida	Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations
Customer Service	24/7 Live Customer Service (Telephone)	Mon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)
IRA CD	1.00% APY (up to 3.75% for Bump Rate APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
Locations	over 1,100 locations	405 branches in the US
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Extended banking hours Low requirements to waive monthly fees No foreign transaction fees Cons: No free checking Low APY Only on East Coast	Pros: Easy to waive monthly fees High APY for CDs Free student checking Cons: Low interest for Premier Plus Checking
Bottom Line	East Coast bank with relatively low minimum balance requirements... Read full review	Northeastern bank with low requirements to waive fees... Read full review
	TD $300 Beyond Checking Bonus TD $200 Complete Checking Bonus Referral Program - Up to $500 Bonus	6-Month CD - 4.15% APY 13-Month CD - 4.00% APY 17-Month CD - 4.00% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. TD Bank: Pricing information from published website as of 04/04/2025 based on 08034 zip code. Santander Bank: Pricing information from published website as of 04/03/2025 based on 02109 zip code.

Which is Better: TD Bank or Santander Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing TD Bank or Chase.

In short: TD Bank's customer service is outstanding. Santander Bank's cd is impressive.

Articles on TD Bank

TD Bank Review

TD Bank offers extended customer hours and easy online banking. Are these perks worth it? Find out what makes TD Bank a great choice for you and some reasons to look elsewhere.

TD Beyond Checking Bonus

TD Bank is offering $300 to open a Beyond Checking account. Find out how to earn the bonus.

TD Bank Hours

TD Bank is open 7 days a week, depending on the location. Here's when you can visit a branch near you.

Open TD Bank Account

Open your TD Bank account with ease. All details in this comprehensive guide. Don't miss the bonus.

TD Bank Routing Number

Find your TD Bank routing number by state. Get the correct number with and without a check.

Articles on Santander Bank

Santander Bank Review

If you're in the Northeast, Santander Bank offers solid basic checking and savings options, as well as competitive rates for CDs. Read on to see if it fits your needs.