Santander Bank

The review has nothing to do with the customer service from the branch staff, that is always excellent. The products are appalling and they love their fees. They will fee you to death. Multiple fees resulting from the bank not linking the accounts, after being told multiple times to do so. I assume it is far more convenient for them to charge me the fee rather than link the accounts to transfer funds.
If you have a HELOC with them you better learn to love their fees. First off preparing the subordination agreement takes almost a month (it is a one page agreement). They will charge you $ 250 for it, but here is the kicker, they will reject it for almost anything (including your lender missing a line) and make you start a new application all together which will cost you another $ 250. What’s that you want to close that HELOC line you say? Well that is another $ 495, My mistake should have read the fine print. It makes no difference that your entire banking (Checking, Savings, CD, education account, etc) is held there, and you intend to re-​open the HELOC in a few weeks. They could not care less, I understand the bank is there to make money, but you can rest assured that Santander is blatantly telling you customer service is not part of their business.