Deposits, Withdrawals, and Transfers

Find answers to questions about how to deposit, withdraw, and transfer money to and from your Santander Bank account.

How can I print my paper checks and deposits?

Through Online Banking, you will be able to view and/or print any paper checks or deposits that have been posted to your account up to the last 2 years.

To view a cleared check or deposit within Online Banking:

1. Log in to Online Banking.
2. Click on the appropriate account number.
3. Scroll down to Completed Transactions to select a viewable image (all viewable images will be underlined).
4. Click on the check link to view the image.
5. Front image displays; to view Back image click on the image labeled “Back of Check.”
6. Select “Print Image.”

Note: JavaScript is required to be able to view check copies through our website.

IMPORTANT! 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.

How do I add a non-signer Santander checking account in Online Banking for transferring funds?

Refer to the steps below to add a non-signer Santander checking account in Online Banking.

1. Log in to your account
2. Access the Navigation menu
3. Under Money Movement, select Transfers ► Manage Transfer Recipient Accounts
4. Click “Add an Account”
5. Select “Other Accounts”
6. Complete the following fields for the new account receiving the funds:
   • Account Type (checking, savings, or money market)
   • Account Profile (Personal or Business)
   • Recipient Full Name
   • Nickname (viewable in the initiator’s Online Banking account only)
   • Routing Number
   • Account Number (checking, savings, and money market account)
   • Confirm Account Number
7. Click “Continue”
8. Review the Account Information and, choose a Verification Method:
   • Confirm Account Number
   • If verifying through ATM/Debit or Credit Card, enter last 4 digits of Card number and Card PIN.
   • If verifying through OTP (One-Time Passcode), passcode will be sent to the registered cell phone number on file.
   • Enter OTP
9. Click “Continue”

Result: Confirmation message will display: “Confirmation: A transfer recipient account was added successfully”

Is an image of a check considered legal proof of payment?

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 photocopy of the front/back of an imaged check, we can provide them any time. You can now access your cancelled paper checks that have been posted to your account up to the last 2 years within the Online Banking service at no additional charge.

How do I request a copy of a cancelled check?

You are able to request a copy of a cancelled check in the following ways:

1. Through Online Banking:
   • Log in to your account
   • Select Accounts ► Account Services from the navigation menu
   • Select “Check Copy Request”
   • Enter Details and click box for “I understand and agree to pay the Check Copy Request fee”
   • Click “Continue”
   • Confirm check copy request details, and
   • Click “Continue”; Confirmation message displays
   • Click “Back to Account Services”
2. Contact a Customer Service Center Advisor at 1-877-768-2265.
3. Visit a local branch.

How long will Santander keep copies of my photographed checks?

Santander will keep copies/images of the front and back of checks for a period of 7 rolling calendar years.

What is a Returned Deposited Item (RDI)?

A RDI is a check that has been returned to a depositor because it could not be processed against the check originator's account.

Deposited items can be returned for many reasons, such as insufficient or unavailable funds, stop payment, closed account, questionable or missing signature, etc.

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.

Within 7 business days, Santander mails a notice with the RDI to the customer, which includes the following information.

• Amount that the Bank charged back to (i.e., deducted from) the depositor's account

For additional information about applicable fees and terms, refer to the Personal Deposit Account Fee Schedule or visit your local branch.