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Some of these fees may be legitimate, but the FTC notes that reviewing statements can help consumers find unfair or suspicious fees.

Stay vigilant with notifications; Set up alerts for low balances, payment due dates, and account log ins for even more security.

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If you connect your savings account with a Preferred Club checking account, you could gain access to an even higher rate.

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Check your account balance on your phone, right from your home screen, without logging in to the Santander Mobile Banking App.