Santander Select® Money Market Savings

^*Rates are available for new money market customers only. This is a variable-rate account and the rate applicable to your balance tier may change at any time  without notice. Rate is available when account is opened or located in a Santander location within the ZIP code entered. If ZIP code entered is not located in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in Florida: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141, rates shown may not be available. Rates in other locations may vary. Rates may not be available for online openings. Fees may reduce earnings. A minimum deposit of $25 is required to open a Santander Select^® Money Market Savings account. Personal accounts only. Must have or open a Santander Select^® Checking account. All other fees apply. For more information about applicable fees and terms, refer to the Personal Deposit Account Fee Schedule or visit your local branch.

^†Each monthly service fee period begins on the day service fees, if any, are calculated and posted to your account and ends on the day before your service fees are next calculated and posted.

^‡For detailed information, please review the Personal Deposit Account Fee Schedule.

²See Guide to Benefits that comes with your card.

³You must properly safeguard your PIN and promptly notify us of any unauthorized transactions. Please refer to Your Liability for Unauthorized Transfers section in your Personal Deposit Account Agreement.

⁴With Priority Pass Membership, there is an entry fee per lounge visit.

^**U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

^††If you share your device with other individuals, please note any fingerprints or face image stored on your device may be used to log in to the Santander Mobile Banking App and access your account.

^‡‡Digital Banking Guarantee: When you use Online Banking, we guarantee that your money is protected against online fraud or losses and that your bills will be paid on time. You are protected against unauthorized online transactions as long as you check your statement and promptly notify us of any unauthorized activity. Refer to your Digital Banking Agreement for details on guarantees and your responsibilities for promptly reporting unauthorized transactions, as well as a list of supported mobile devices.

^§§If a transaction causes your account’s balance to be overdrawn by one hundred dollars ($100) or less, we will not assess any Insufficient– Item Paid fee(s) for that item. The amount of the Insufficient Funds – Item Paid Fee and Sustained Overdraft Fee is $15. A Sustained Overdraft Fee applies to accounts overdrawn by any amount (negative balance) for five (5) consecutive Business Days when the overdrawn balance at the end of the first day is more than $100, and is assessed to the account on the sixth (6th) Business Day. Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn for an extended period of time or the overdrawn amount is excessive. Any overdrafts that we pay must be promptly repaid by you.

^¶¶We limit withdrawals and transfers out of your savings and money market savings accounts. You can withdraw or transfer funds from a savings or money market savings account a total of six (6) times per Service Fee Period (such as by automatic or pre-authorized transfers using telephone, online banking, mobile banking, overdraft protection, payments to third parties, wire transfers, checks, and drafts). If you repeatedly exceed these limits, we may close or convert your account to a checking account, which may be a non-interest-bearing checking account.

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^§Securities and advisory services are offered through Santander Investment Services, a division of Santander Securities LLC. Santander Securities LLC is a registered broker-dealer, Member FINRA and SIPC and a Registered Investment Adviser. Insurance is offered through Santander Securities LLC or its affiliates. Santander Investment Services is an affiliate of Santander Bank, N.A.