Santander US CEO on launch of Openbank- Huh? I do not get it. Is it a fintech that’s partnering with Santander/utilizing its model to look extra legit? Will Santander again Openbank and the deposits if shit hits the fan?

appears to be only for individuals within the USA's northeast

If you have already got a santander checking account, can you continue to open it?

Is there any motive to change to this if I already use one thing like wealthfront or constancy for a high-APY 'checking/savings-like' account?