popular Posted by 3473186 • May 7, 2025
May 7, 2025 1:49 PM
Item 1 of 2
Item 1 of 2
popular Posted by 3473186 • May 7, 2025
May 7, 2025 1:49 PM
Online Banking HYSA 4.40% APY Openbank by Santander
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Openbank by Santander bank
Earn 4.40% APY with an Openbank High Yield Savings account
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
No fees
With no hidden charges or fees, your money stays where it belongs: in your pocket.
What you'll need:
A U.S. primary residential address – Openbank isn't available in U.S. overseas territories
U.S. Citizenship or Resident Alien status and a U.S. mobile phone number
A smartphone or tablet – you'll be required to download the Openbank app and then sign in to your account securely on this device
A minimum deposit of at least $500
https://www.openbank.us/?utm_sour...oW2
Earn 4.40% APY with an Openbank High Yield Savings account
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
No fees
With no hidden charges or fees, your money stays where it belongs: in your pocket.
What you'll need:
A U.S. primary residential address – Openbank isn't available in U.S. overseas territories
U.S. Citizenship or Resident Alien status and a U.S. mobile phone number
A smartphone or tablet – you'll be required to download the Openbank app and then sign in to your account securely on this device
A minimum deposit of at least $500
https://www.openbank.us/?utm_sour...oW2
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Openbank by Santander bank
Earn 4.40% APY with an Openbank High Yield Savings account
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
No fees
With no hidden charges or fees, your money stays where it belongs: in your pocket.
What you'll need:
A U.S. primary residential address – Openbank isn't available in U.S. overseas territories
U.S. Citizenship or Resident Alien status and a U.S. mobile phone number
A smartphone or tablet – you'll be required to download the Openbank app and then sign in to your account securely on this device
A minimum deposit of at least $500
https://www.openbank.us/?utm_sour...oW2
Earn 4.40% APY with an Openbank High Yield Savings account
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
No fees
With no hidden charges or fees, your money stays where it belongs: in your pocket.
What you'll need:
A U.S. primary residential address – Openbank isn't available in U.S. overseas territories
U.S. Citizenship or Resident Alien status and a U.S. mobile phone number
A smartphone or tablet – you'll be required to download the Openbank app and then sign in to your account securely on this device
A minimum deposit of at least $500
https://www.openbank.us/?utm_sour...oW2
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27 Comments
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They have been really quick sending money. I have loved it so far. FDIC insured.
They have been really quick sending money. I have loved it so far. FDIC insured.
Any outward limits daily or monthly?
So, much Slicker than the other one.
Where do Santander has branches?
Where do Santander has branches?
Open bank is an online bank only and operate since last year 2024. You can find Santander bank using this link. https://branchlocator.s
They have been really quick sending money. I have loved it so far. FDIC insured.
I just received my funds—transfers from another bank on 5/7 and 5/9 are already reflected in my available balance. The speed is very good; all of my verification trial deposits showed up overnight after the request.
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When is interest paid into my Openbank account?
Interest accrues daily, and is paid into your account each month when your account cycles
Your account cycle is based on your anniversary date (e.g. if your account opened May 15th, your anniversary is the 15th of each month)
Interest is paid into the account on the last day of the statement cycle, and is visible before the close of business
Your account statement is available on the app on the following business day
Most savings accounts with bonuses have crap interest rates.
I used to use Primis Bank, but their interest rates gradually dropped to be similar to other banks, and they still didn't support Zelle. So, I just switched to Samsung Money, which does support Zelle.
On the plus side Santander bank, in addition to FDIC, is a GSIP bank [wikipedia.org], which is encouraging in these interesting times.
Unlike others, like say, Cit Bank or Synchrony bank, the transfer times are relatively quick and the transfer amounts are high (100,000 per day and 500,000 per month).
Interest is paid 30 days from when the account was opened, not end of month like others.
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