Welcome to Openbank – and to savings that work as hard as you do
With rates 9x the national average,
our High Yield Savings account will take your money further.*
Building your balance has never been this easy (or smart)
Say hello to top-tier rates, no fees, FDIC coverage, and the satisfaction of watching your money grow faster.
Fully digital and powered by a top global bank
Openbank is where innovation meets experience. It’s where a seamless digital banking platform combines with Santander's 169 years of global banking experience. It’s where top rates, no fees, and 24/7 access are made possible by stability and security. This is where smart meets banking.
Keeping you and your money safe
Nothing is more important than keeping your money and information secure. That’s why Openbank offers industry-leading security from day one, with an advanced authentication process and trusted device enrollment that transforms your face or fingerprint into the keys to your account.
Use our secure mobile app to manage your bank account
Manage every detail of your digital bank account from the palm of your hand with the Openbank mobile app. Available on the App Store® and on Google Play.
100,000 Thank Yous!
Openbank now serves over 100,000 customers across America. We know trusting someone with your money is a big deal, and we don’t take it lightly. In fact, it’s why we created a banking experience that’s smarter, simpler, and more secure than ever before.
Have questions? We have answers.
Wondering how to open an online bank account? How to change your password? Where to contact our Customer Service Center?
Whose face is on a $2 bill? We have (almost) all your answers.
Interest rates and Annual Percentage Yields (APYs) shown are accurate and effective as of 12:01 AM Eastern Time today. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Availability and rate for this product will be based on the residential ZIP code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. Fees may reduce earnings. A minimum deposit of $500 is required to open an Openbank High Yield Savings account. Personal accounts only. For more information about applicable fees and terms, refer to the Personal Deposit Account Fee Schedule.
*The comparison is based upon the national average for Savings deposit products as published in the FDIC National Rates and Rate Caps on FDIC.gov of 0.38%, accurate as of July 20, 2026.
There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Please visit FDIC.gov for details. Deposits at Santander Bank and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.
App Store is a registered trademark of Apple Inc. Google Play is a trademark of Google, LLC.