Frequently Asked Questions

All banks and financial institutions are subject to a new Beneficial Ownership Rule under the Bank Secrecy Act intended to assist the government and law enforcement in the ongoing fight against money laundering and the financing of terrorism. Each time a new business account is opened, you will be required to provide identifying information (name, address, date of birth, social security number) of the “beneficial owners” of the business and certify that the information is true and accurate to the best of your knowledge.  The rule defines a beneficial owner as: 

• Each individual that has 25% or more of the equity interest in the business; and
• One individual that has the authority to exercise control of the business (such as a CEO, executive officer or treasurer)

To ensure an efficient account opening experience, we recommend that you obtain the information listed above for each of the identified individuals.  If your business will frequently need to open new accounts or loans with us, please complete this Beneficial Owner and Controlling Person form and keep this information current.
 

Learn More

Yes. Just like your physical credit and debit cards, your virtual credit and debit cards are covered by zero liability protection. The zero liability protection** covers fraudulent purchases and payments made by others using your physical or virtual credit and debit cards. If you suspect unauthorized use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.

You should receive access to funds by the next business day in most cases, pending resolution of your claim. Please consult your customer and account agreements for full details.

** See www.mastercard.us/zero-liability.html  for details.

From the home screen, touch apps, touch Samsung Pay, touch install. Cards can be easily added to the Samsung Pay app by using your device’s camera to scan in your card’s information, or by manually inputting the card information yourself.

Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Samsung Pay, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Samsung Pay.

You can use Samsung Pay with the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note 5 and newer devices that are compatible with Samsung Pay. Please visit https://www.samsung.com/pay for a full list of compatible devices.

Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) used to swipe cards and Near Field Communication (NFC) to make contactless mobile payments. MST and NFC enable the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note 5 to make transactions at most card readers where you can swipe or tap your card, excluding gas station pumps.

Please continue to carry your physical cards to use where Samsung Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments. You can visit this website to determine terminals that accept Samsung Pay https://www.samsung.com/pay

No. The card image won’t be an exact match. Keep in mind this doesn’t affect how your cards work with Samsung Pay.

Wallet displays the time or date of the last Sandy Spring Bank debit card purchase you made with Samsung Pay, but it won’t display all your purchase details. For a complete view of all your Sandy Spring Bank debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

Samsung Payments can’t be made from your phone without being authorized via fingerprint or the PIN chosen during the setup process. If you register with Samsung’s Find My Mobile service, you can remotely erase information on the phone, including any cards stored in Samsung Pay. The URL is https://www.samsung.com/us/support/

You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

Erasing the information on your Samsung will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your Samsung Phone will delete the virtual cards from Samsung Pay and they can no longer be used. You can add your credit and debit cards back into Samsung Pay at any time.

Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.

Please note: MasterCard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

You can add your Sandy Spring Bank personal and business debit cards including HSA debit cards. ATM-only cards cannot be added.

SecurLOCK Equip is a mobile app that allows you to control how, when, and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

SecurLOCK Equip requires you have a debit card (Debit, World, Business or HSA) issued form Sandy Spring Bank. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number and other authentication information. Once registered, you can begin using the app immediately.

It is simple. If you have an iPhone, just download the app from the Apple store. If you have an Android phone, download the app from the Google Play store. Once the app has successfully downloaded to your smartphone you can begin to register your cards.

No. It is provided to you for free so you have more control over your card.

There is no limit to the number of Sandy Spring Bank cards that may be registered.

Debit, World, Business or HSA debit cards.

Please use the Contact Us button at the bottom of the landing page and a Sandy Spring Bank representative will be more than happy to assist you.

Your email address is needed in case you forget your password and need to reset it.

You can begin using the service immediately. When turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (expect for recurring payments) will be declined. When you are ready to make a purchase, simply turn the card back on. It is that easy. Now you have the ultimate control to combat fraud.

After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spending limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts, and much more.

It is an immediate push notification sent to the app. You can select to be alerted on all your payment transactions, or you can select preferred transactions. Preferred alerts are available by spending limits, location, transaction type, and merchant category.

No. Using the card controls does not change the status of your account.

It happens immediately after you set and save the option.

My Locations and My Region can work independently or together, but neither can be used in conjunction with International.

Alert Preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions. Preferred alerts are available by location, transaction type, merchant type, and threshold amount.

Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

You will have to add the new account to the app. This can be done by going to Manage Account and adding the card. Be sure to “unmanage” the old card.

There is a Help function within the app as well as a Contact Us category where you can send an email to Sandy Spring Bank. You can also call us at 800.399.5919.

Some merchants send pre-authorizations at higher amounts to test a cards validity. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

To select the card(s) you wish to manage, go to Settings and choose Manage Cards. Then uncheck the card or cards you don’t want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.

Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

The app requires a password to access the contents. Also, there is no personal information stored on the smartphone, and transactions cannot be conducted using the app. The app only displays the last four digits of your card number.

No.

Yes. Merchant recurring transactions will still be approved. You can select to receive alerts on recurring transactions as well.

Just download the app to your new smartphone and login with your current user id and password. You can then set your controls and alert preferences.

Detailed information can be found throughout the app. Help can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page tapping the “i “ next to My Regions will open a window with detailed information on how the control works.

Android – version 4.1 or later and Apple (iOS) – device model 4S, 5, 5C, 5S, 6, or 6 Plus with iOS operating system version 6, 7, or 8 and all future device/release going forward.

In the app, go to Transactions. Find the one that was denied and open it. Tap the image so it rotates, and the reason the transaction was declined will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.

Just download the app to your new smartphone and login with your current user id and password. You can then set your controls and alert preferences.

We have already included you in these enhanced services as part of our fraud protection services.

Transactions that we have identified as potential fraud trigger the alerts.

The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

Yes, though please keep in mind that it could take up to 5 – 10 minutes for a block to be removed in some situations.

The system will accept many common typo variations of the “yes” or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

Yes.

The standard order of communication is:

1. Text
2. Voice Call
3. Email

Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in your time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the your time zone.

If a mobile phone is on record, a text alert is triggered first. All numbers on record that are identified as a mobile phone are utilized. FIS has technology to determine if a phone number is a mobile phone or land line. If there is no response to the text(s), then an automated voice call is generated. The automated voice call asks the client to confirm the authorization(s) are valid or unrecognized. If the cardholder pushes not recognized, the call is transferred to an agent to confirm the alert is fraudulent.

In other areas of business, we have calls only going out during certain hours so cardholders aren’t being called before normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.

All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!

We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.

Simply call Sandy Spring Bank’s Client Service Center, or visit any branch location, to add your mobile phone number to your accounts.  Please make sure to keep your email address and phone numbers up to date so that we may contact you quickly if fraud is suspected on your accounts.  Our Client Service Center is available Monday – Friday from 8:00 a.m. to 7:00 p.m., and on Saturday from 8:00 a.m. to 1:00 p.m.

We have already included you in these enhanced services as part of our fraud protection services.

Transactions that we have identified as potential fraud trigger the alerts.

The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

Yes, though please keep in mind that it could take up to 5 – 10 minutes for a block to be removed in some situations.

The system will accept many common typo variations of the “yes” or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

Yes.

The standard order of communication is:

1. Text
2. Voice Call
3. Email

Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in your time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the your time zone.

If a mobile phone is on record, a text alert is triggered first. All numbers on record that are identified as a mobile phone are utilized. FIS has technology to determine if a phone number is a mobile phone or land line. If there is no response to the text(s), then an automated voice call is generated. The automated voice call asks the client to confirm the authorization(s) are valid or unrecognized. If the cardholder pushes not recognized, the call is transferred to an agent to confirm the alert is fraudulent.

In other areas of business, we have calls only going out during certain hours so cardholders aren’t being called before normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.

All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!

We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.

Simply call Sandy Spring Bank’s Client Service Center, or visit any branch location, to add your mobile phone number to your accounts.  Please make sure to keep your email address and phone numbers up to date so that we may contact you quickly if fraud is suspected on your accounts.  Our Client Service Center is available Monday – Friday from 8:00 a.m. to 7:00 p.m., and on Saturday from 8:00 a.m. to 1:00 p.m.

The Remote Deposit Update is the latest version (4.1.1) of remote deposit available to Sandy Spring Bank clients. With Remote Deposit Update you will be able to use Google Chrome on PC and Mac computers, and continue to use the same scanner you have today.

Adding your Sandy Spring Bank Debit card to Google Pay takes just a few minutes. First, download the app from Google Play or check to see if it’s already installed on your phone. Then, open the app and follow the instructions.

Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Google Pay, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Google Pay.

You can add your Sandy Spring Bank personal and business debit cards including HSA debit cards. ATM-only cards cannot be added.

Google Pay works on Android Devices running KitKat 4.4 or higher.

Google Pay is accepted at millions of places around the world. You can use it anywhere contactless payments are accepted.

Google Pay works anywhere you see one of these symbols at checkout. Just wake your phone and hold it near the terminal. You don’t even need to open the app.

While we hope your phone is never lost or stolen, it’s a good idea to enable your Android Device Manager. On your Android device, go to the Google Settings app, and then tap on Android Device Manager. The locator feature is enabled by default, but to enable remote data wipe, tap on the box next to “Allow remote factory reset,” then tap “Activate.”

If your Android Device is ever lost or stolen you can use Android Device Administrator to lock it remotely, create a new password, and wipe your personal information from it.

We also recommend that you notify their mobile carrier and promptly call the Sandy Spring Bank customer service number on the back of your card. You should mention you added your card to Android Pay, so the Sandy Spring Bank can disable the card for use with Android Pay. If you locate the device, you will need to add their card back to Android Pay before making any purchases.

You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

Erasing the information on your Android will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your Android Phone will delete the virtual cards from Android Pay and they can no longer be used. You can add your credit and debit cards back into Android Pay at any time.

Please call 301.774.6400 or 800.399.5919 and press 2 for our Client Service Center. One of our representatives will block your old card and order you a new one. You will need to update Google Pay with your new card number.

After hours, or on non-business days, please call 800.236.2442 to have your card blocked. On the next business day, please contact our Client Service Center to order a replacement card. You may also request your replacement card using our secure message feature through BankXpress online banking.

SecurLOCK Equip is a mobile app that allows you to control how, when, and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

SecurLOCK Equip requires you have a debit card (Debit, World, Business or HSA) issued form Sandy Spring Bank. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number and other authentication information. Once registered, you can begin using the app immediately.

It is simple. If you have an iPhone, just download the app from the Apple store. If you have an Android phone, download the app from the Google Play store. Once the app has successfully downloaded to your smartphone you can begin to register your cards.

No. It is provided to you for free so you have more control over your card.

There is no limit to the number of Sandy Spring Bank cards that may be registered.

Debit, World, Business or HSA debit cards.

Your email address is needed in case you forget your password and need to reset it.

You can begin using the service immediately. When turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (expect for recurring payments) will be declined. When you are ready to make a purchase, simply turn the card back on. It is that easy. Now you have the ultimate control to combat fraud.

After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spending limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts, and much more.

It is an immediate push notification sent to the app. You can select to be alerted on all your payment transactions, or you can select preferred transactions. Preferred alerts are available by spending limits, location, transaction type, and merchant category.

No. Using the card controls does not change the status of your account.

It happens immediately after you set and save the option.

Alert Preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions. Preferred alerts are available by location, transaction type, merchant type, and threshold amount.

Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

You will have to add the new account to the app. This can be done by going to Manage Account and adding the card. Be sure to “unmanage” the old card.

There is a Help function within the app as well as a Contact Us category where you can send an email to Sandy Spring Bank. You can also call us at 800.399.5919.

The last 50 transactions will display in the app for thirty calendar days.

Some merchants send pre-authorizations at higher amounts to test a cards validity. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

The app requires a password to access the contents. Also, there is no personal information stored on the smartphone, and transactions cannot be conducted using the app. The app only displays the last four digits of your card number.

No.

Yes. Merchant recurring transactions will still be approved. You can select to receive alerts on recurring transactions as well.

Just download the app to your new smartphone and login with your current user id and password. You can then set your controls and alert preferences.

Detailed information can be found throughout the app. Help can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page tapping the “i “ next to My Regions will open a window with detailed information on how the control works.

To add a card on an iPhone or iPad, go into Settings, open Wallet^® & Apple Pay, and select “Add Credit or Debit Card.” On iPhone, you can open Wallet, then swipe down and tap the plus sign. From there, use your iPhone’s camera to enter the card information or type it in manually. If you already have credit and debit cards in your iTunes account, you can add those to Wallet by simply entering the card security code. The card security code is a 3-digit code on your card. Keep in mind the first card you store in Wallet is your default payment card, but you can always change that in Settings. Consider making your Sandy Spring Bank Debit Mastercard^® your default card.

For more information on adding your credit or debit cards, or compatible devices please visit the Apple Pay page.

This is just an extra security step from Apple. Simply call the number provided so we can verify your card. Then look for a Wallet message letting you know your card is ready for Apple Pay.

Apple refers to the digital form of credit and debit cards as the Device Account Number.

Yes. Just like your physical credit and debit cards, your virtual credit and debit cards are covered by zero liability protection. The zero liability protection** covers fraudulent purchases and payments made by others using your physical or virtual credit and debit cards. If you suspect unauthorized use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.

You should receive access to funds by the next business day in most cases, pending resolution of your claim. Please consult your customer and account agreements for full details.

** See www.mastercard.us/zero-liability.html for details.

Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.

Please note: MasterCard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

You can add your Sandy Spring Bank personal and business debit cards including HSA debit cards. ATM-only cards cannot be added.

At this time, Apple Pay works on iPhone models with Face ID, iPhone models with Touch ID, except for the iPhone 5s. It also works with iPad Pro, iPad Air, iPad, iPad mini models with Touch ID or Face ID. You can use Apple Pay with compatible iPhones and  iPad for purchases and payments: In stores, Within Apps or On the web in Safari, wherever Apple Pay is accepted.

Please visit Apple for a current list of supported devices.

No. Not all merchants have adopted this technology. Please continue to carry your physical cards to use where Apple Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments.

No. The card image won’t be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

Wallet displays the time or date of the last Sandy Spring Bank debit card purchase you made with Apple Pay, but it won’t display all your purchase details. For a complete view of all your Sandy Spring Bank debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

While we hope your phone is never lost or stolen, it’s a good idea to download Apple’s Find My iPhone app before that happens. You can use the app to quickly place your device in Lost Mode so your information is not accessible, or you can remotely erase your iPhone. Please note: Find My iPhone must be enabled in iCloud settings on your device before you can locate it with this app.

If you can’t download the Find my iPhone app or can’t disable Apple Pay using your iCloud account from another device, you should cancel your physical debit or credit cards which will delete your virtual cards from Apple Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

Erasing the information on your iPhone will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your iPhone will delete the virtual cards from Apple Pay and they can no longer be used. You can add your credit and debit cards back into Apple Pay at any time.

Yes. Just like your physical credit and debit cards, your virtual credit and debit cards are covered by zero liability protection. The zero liability protection** covers fraudulent purchases and payments made by others using your physical or virtual credit and debit cards. If you suspect unauthorized use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.

You should receive access to funds by the next business day in most cases, pending resolution of your claim. Please consult your customer and account agreements for full details.

** See www.mastercard.us/zero-liability.html  for details.

Transfers are made through the Automated Clearing House (ACH) network. Once you make your transfer request the funds are credited on the effective date. Transfers take three business days, not including the day you request the transfer. External Transfers are available to consumer accounts only.

Transfers begin their processing the next business day after your request, provided they are made prior to the cutoff time. External Transfer requests made after the 6:00 p.m. daily cutoff time do not begin processing until the following business day. The transfer is complete as of the effective date, specified when you request the transfer.

You cannot cancel a transfer if it has already begun processing. If it is still pending and has not begun processing you may cancel the transfer by clicking ‘delete’ on the transfer from the Pending Transfers page.

You can setup checking and savings accounts for External Transfers. External Transfers are available to consumer accounts only.

You must be an owner on the accounts at both Sandy Spring Bank and the other institution. The exception is if you are requesting an account for outbound transfer only. External Transfers are available to consumer accounts only. Sole proprietors and business accounts are not eligible for the External Transfer service. ebiz, our online banking system for business accounts has an External Transfer feature available

There is no fee for External Transfers.

You may transfer a total of $5,000 per transfer cycle. A cycle lasts from the time the transfer begins processing until it is completed (usually the settlement date displayed in Personal Online Banking).

You may setup three accounts to perform both inbound and outbound transfers using your Sandy Spring accounts. You may setup one account for the purpose of sending outbound transfers only.

In the event you have a child away at college and you would like to send money to them electronically, outbound transfers would be a good option. It still requires that you include a voided check for checking accounts and a copy of a recent statement for savings accounts.

Login to Personal Online Banking, click the Accounts tab, and click “Connect An Account”. You will be prompted for a One-Time PIN. Enter the One-Time PIN, read and accept the agreement, then enter your financial institution details. In a couple of days you will need to verify two small dollar deposits to you external account in online banking. You will receive an email, but you will also find a link to the validation page on the Information & Settings page under the gear wheel icon in the header.

It takes about 5-7 business days after validating you small dollar amounts.

If a debit is returned for insufficient funds we may cancel your External Transfer service.

Please send us a secure message when you are logged into Personal Online Banking. You may also call us during business hours at 800.399.5919 and press 2 for our Client Service Center.

ABA/Routing number: 055001096

Please click here for our hours.

Please click here for our locations.

The bank posts all deposits and credits to a client’s account prior to posting any debits and withdrawals.

All debit/withdrawal transactions will be placed into groups which will determine the priority of when that transaction will post to an account.  Within each group, transactions will be posted in date and time order (when available), check serial number order (lowest check number to highest check number) or low to high dollar amount order if neither date/time or check serial number is available.

The chart below that outlines the new posting priority groups and the posting method of each transaction within a priority group.

The balance on your receipt reflected the available funds in your account at the time the transaction occurred. When your other outstanding withdrawals for that day were posted to your account that evening, you did not have sufficient funds in your account to cover all your withdrawals. All debit/withdrawal transactions will be placed into groups which will determine the priority of when that transaction will post to an account. Within each group, transactions will be posted in date and time order (when available), check serial number order (lowest check number to highest check number) or low to high dollar amount order if neither date/time or check serial number is available.

You can avoid overdraft fees by keeping sufficient funds in your account to cover any withdrawals you make. Recording electronic transactions in your register right away helps to keep your records as current as possible. Online banking and telephone banking are also available to monitor your account activity as frequently as you desire at no charge. When you receive your monthly statement, balance your account to make sure you recorded everything. As an added precaution, we do offer overdraft protection options if you would like to apply.

In most cases, our policy is to make funds available to you on the first business day after the day we receive your deposit. For determining the availability of your deposit, every day is a business day, except Saturday, Sunday, and federal holidays. If you make a deposit before 3:00 p.m. (Maryland Offices) or 4:00 p.m. (Virginia Offices) on a business day that we are open, we will consider that day to be the day of your deposit.

There are a few instances where we do not make all of the funds you deposited available to you on the first business day after the day of your deposit. Depending on the type and amount of the check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $200 of the deposit will be available to you on the first business day after the day of your deposit. We will notify you if we are not going to make all funds available to you on the first business day after the day of your deposit. For more information please refer to the Funds Availability Disclosure in our Personal Deposit Account and Electronic Banking Agreement.

The available balance for your account may differ from the current balance because of pending transactions that have been presented against the account, but have not yet been processed. Once processed, the transactions are reflected in the current balance and show in the account history.

The available balance also includes credit available if you have a line of credit linked to your checking account.

For personal accounts, the account number is the 10-digit number immediately, following the routing number at the bottom of your check. Our bank routing number, 055001096, is listed first followed by your 10-digit checking account number.

You can change your address by contacting our Client Service Center or visiting any community office to complete a Change of Address form. You can also send us a secure email through BankXpress online banking or a letter that includes your account number(s) and signature to: Sandy Spring Bank (SSB), Client Service Center, 17801 Georgia Avenue, Olney, MD 20832.

Personal Check Orders  Business Check Orders

or by contacting our Client Service Center at 800.399.5919 and pressing 2. You may also visit any of our branches during lobby hours.

You can stop payment of a check through BankXpress online banking, ebiz online banking, or by contacting our Client Service Center at 800.399.5919 and pressing 2. You may also stop by any of our community offices. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement for more information.

If another financial institution or company, such as an insurance company or health club, is debiting your account, you will need to contact them directly to cancel the auto-debit.

If Sandy Spring Bank is debiting your account for payment on a SSB loan or service, please mail a letter instructing us to cancel the auto-debit to: Sandy Spring Bank, 17801 Georgia Ave, Olney MD 20832, or visit one of our community offices.

Requests for an outgoing wire transfer must be originated in person at one of our community offices during lobby hours. You will need to contact the receiving company/organization to obtain their wiring instructions. There are fees to send wires both domestically and internationally. For complete details, please contact our Client Service Center at 800.399.5919 and press 2.

You will need to provide your Sandy Spring Bank account number to the company who will be wiring the funds to you. Remember: your account is the ten-digit number located at the bottom of your check following the ABA/Routing number.

Certain fees may apply. For more information, please contact our Client Service Center at 800.399.5919 and press 2.

To change your name on an existing account, you will need to complete a new signature card and provide verification of the legal change of name, which includes an updated social security card. You can do this by contacting our Client Service Center or visiting one of our community offices during lobby hours.

An electronified check means that the information from the paper check has been submitted to us electronically. The merchant or other financial institution guarantees that this is a true representation of the paper check and that they are submitting the electronic request in place of the paper check. They further guarantee that the paper check will not be submitted for payment. With an electronified check, Sandy Spring Bank does not receive the paper check; therefore, we cannot return it in your statement.

Yes, please choose the type of CD below for more information.

Personal CDs Business CDs

We provide Cashier’s Checks, which are guaranteed funds, for Sandy Spring Bank clients. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement  and Personal Fee Schedule for more information.

Yes, we do offer Cashier’s Checks. You can request one at any of our community offices. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement  and Personal Fee Schedule for more information.

Notary service is usually available during lobby hours in our community offices. We recommend that you call ahead to verify that there is a notary available. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement  and Personal Fee Schedule for more information.

Safe deposit box availability varies by community offices. It is best to check with the most convenient community office to determine if the box size you would like is available.

Since mortgage rates can change several times a day, we recommend that you speak directly to our mortgage department at 800.869.8523 for the most up-to-date mortgage rates.

A third party can request a written payoff quote by faxing that request to 703-319-9518. The request must include the client’s written authorization. Requests received prior to 3:00 p.m. will be faxed to the requestor’s fax number the next business day.

Click here for our current deposit rates.

Click here for our current consumer loan rates.

You can change your PIN at any of our community office ATMs. Press “More Selections” and “PIN Change”. If you have forgotten your PIN, you can request a PIN reminder by contacting our Client Service Center at 1.800.399.5919 and pressing 2.

It is our practice to issue one Debit Card per person for personal clients and one per authorized signer for each business entity. If you have special circumstances, please contact our Client Service Center at 800.399.5919 and press 2.

There is one primary checking account and one primary savings account on the Debit Card. When making MasterCard purchases only the primary checking account will be used. You may add additional accounts to your Debit Card by calling the Client Service Center at 800.399.5919 and press 2, or visiting any of our community offices. These secondary accounts are only accessible through Sandy Spring Bank ATMs.

A replacement card should arrive on or about the first of the month the card is supposed to expire. i.e. If your card expires 11/14, then you should receive your replacement around the first week of November. If you haven’t received your replacement card by the 15th of the month your card will expire, please contact the Client Service Center at 800.399.5919 and press 2.

Please contact our Client Service Center at 800.399.5919 and press 2, to report unauthorized transactions on your check card.

Please call 301.774.6400 or 800.399.5919 and press 2 for our Client Service Center from 8 a.m. to 7 p.m. Monday thru Friday, and from 8 a.m. to 1 p.m. on Saturdays. One of our representatives will block your old card and order you a new one.

After hours, or on non-business days, please call 800.236.2442 to have your card blocked. On the next business day, please call our Client Service Center to order a replacement. You may also request your replacement card using our secure message feature through BankXpress online banking.

For information on how to report a lost or stolen Sandy Spring Bank credit card, please Click here

Please contact us at 800.399.5919 and press 2 for our Client Service Center. Let us know what error information you received when attempting to log on and we will assist you in logging on successfully. We are available Monday – Friday 8:00 a.m. to 7:00 p.m. and Saturdays 8:00 a.m. to 1:00 p.m.

Yes, if the check is drawn on Sandy Spring Bank, you may present it for payment at any of our community offices. There must be sufficient, available funds in the account on which the check is drawn and you must provide a valid form of identification at the time of the transaction.

Yes, with a valid form of identification.

Mobile banking is a free service offered to our online banking customers. However, there may be charges associated with text messaging and data usage on your phone. Check with your mobile phone carrier for applicable fees.

Yes, just download the mobile app and tap to enroll. The same login information is used for mobile and online banking.

If you are already a personal online banking user, download the app and use your online credentials to login. If you are not a current user of personal online banking, download the app and tap to enroll from your mobile device.

Yes, our mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, PIN or password access, and application timeout when your phone is not in use. Only the phones that you personally enroll in the service can ac­cess your accounts, and account data is never stored on your phone. In the event your phone is lost or stolen, the service can be immediately disabled by either going to sandyspringbank.com or calling our Online Banking support line at 800.399.5919.

We support all the popular U.S. mobile phone carriers for text banking, including AT&T, T-Mobile, Verizon, Sprint/Nextel/Boost, Alltel (Now includes Midwest), Virgin Mobile, Cricket, and U.S. Cellular. If your carrier is not listed, check back later as new carriers are added over time.

Yes, a text messaging and/or data plan is recommended, as data usage can become expen­sive without them. Please check with your wireless carrier for more information.

Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code which will be required to begin using mobile banking on your device. Your activation code is good for 24 hours. If you are unable to activate your phone during that time, just return to the management page on your computer and follow the prompts to request a new activation code. We recommend you print your activation code and instructions for easy reference during installation.

Sandy Spring Bank text banking gives you access to your accounts via text messages on your phone. It’s a fast, easy way to look up account balances or recent account history by sending a text command.

The Sandy Spring Bank text banking code will be provided to you once you enroll in text banking. For ease of use, we recommend that you add this number to your phone’s address book or contacts and name it something that you will easily recognize, such as Sandy Spring Bank Text Banking.

After you enroll, text a command to 334-421-5037 and we’ll reply with your requested information in seconds.

Yes, you can use both options from the same phone. To do so you will need to activate each op­tion on your phone prior to use. We recommend that you activate both text banking and mobile banking when you enroll, even if you aren’t sure that you will want to use both. By activating both at the time of your enrollment, you will eliminate the need to make changes later.

Sandy Spring Bank text banking will work on any text message capable phone from one of our supported carriers.

No. You will only receive messages when you specifically request them with one of the text banking commands.

On the Personal Online Banking login screen,  click “Forgot Passcode?” and follow the instructions.  

The kind of information we collect depends upon your financial needs and the products and services you request. For example, when you apply for a loan with us, we need information about your financial status – such as your place of employment, income, monthly expenses and personal assets and debts outstanding – to process your loan application. In addition, in order to make your banking as convenient and efficient as possible, we maintain information about your transactions with us, your account balance, and repayment history. Our collection and use of information is consistent with the Voluntary Guidelines for Responsible Use and Protection of Customer Information developed by the American Bankers Association.

We collect information from many sources. Much of our information comes directly from you when you fill out a loan or account application. For a loan application, we also obtain information from credit reporting agencies and other creditors regarding your credit and repayment history. We retain communications from you (such as letters or emails) in order to answer questions you may have and to keep records of your requests or concerns regarding our products and services. We also use your letters or emails to measure how effectively we have addressed your concerns. We also obtain demographic and household information from outside sources such as database information firms.

We have strict internal policies against unauthorized use or disclosure of your information. Our employees have an appropriate level of access to your personal information in order to conduct your financial affairs. We emphasize the importance of confidentiality through our code of conduct, employee training, operating procedures and privacy policy. We require the businesses with which we have a relationship to maintain the confidentiality of consumer information.

We maintain information and data about you to maintain the security of your accounts and to protect you and the entire institution against fraud. We need clear and accurate information to be able to positively identify you and authenticate your transactions in order to prevent access to your accounts by unauthorized individuals.

We also collect and analyze client information as the first step in developing new products. For example, if we know you are a homeowner in need of additional financing, we can recommend a home equity loan or credit line as an alternative to an installment loan because of its potentially lower costs and tax benefits.

We are also required by laws and regulations to gather certain information. For example, we are required by federal regulation to obtain a tax identification number (generally a social security number) for many of our accounts, including all savings, checking and/or investment accounts that pay interest.

Sandy Spring works hard to assure that your information is current, accurate, and as complete as possible. If you see any inaccuracy in your statements or in any other communications from us, please call our Client Service Center at 800.399.5919 or 301-774-6400 or contact us at [email protected]. It is our policy to investigate and correct inaccuracies in a timely manner.

Yes. Under current law, we are allowed to share certain information such as your name, address, and information about your accounts – among our family of companies. In some cases, such as fraud investigation or in response to a validly issued search warrant or subpoena, we may be required by law to provide certain information to law enforcement agencies. There are also laws and regulations that affect the sharing of information with firms outside our family of companies such as check printers, data processors and marketing firms.

Our goal is to make your financial dealings with us more efficient and easier for you to manage. In addition, information sharing allows us to keep you informed about new products and services, often provided at special rates because you have other account relationships with us. It also helps us to prevent fraud. For example, because of information sharing, a client who reports a lost or stolen debit card knows that the information will automatically be shared throughout our family of companies to prevent problems with other accounts. These uses of information not only offer you convenience, they also dramatically increase the chance of preventing further losses and of apprehending the thief.

No. We recognize that, when clients provide medical information for a specific purpose, they do not wish it to be used for any other purpose other than to provide the product or service they have requested. If a client provides personal medical information, we will use it only for the purpose for which it is intended and will not disclose it unless you direct us, in writing, to do so.

Yes. You can choose to opt out of affiliate information sharing, except for information about your specific transactions and experience.

We use third parties to help us process your financial transactions and to provide you with a full range of financial products and services. For example, we use third parties to print your checks, to process your account transactions, to help us market our products and services, and to mail account statements. This means more efficient services and helps keep your costs as low as possible. In addition, when you open an account or apply for a loan, or line of credit, we use various credit bureaus as part of the process for approving your application. We may also use outside companies to help us with fraud investigations.

We may retain vendors to help us to better understand our customers’ needs and to optimize our customers’ online experience. Our vendors may use cookies and other technologies to collect data about our customers and their online experience. Our vendors are contractually forbidden to sell or share any of the data collected on our behalf.

We will not share your information with any company that does not agree to keep your information confidential. We carefully select the third-party companies we work with and any information that is shared is always subject to a strict confidentiality agreement. Moreover, it is a violation of federal law for a third party to reuse customer information received from us unless that information is also publicly available elsewhere.

To remove your name from our marketing lists, please do one of the following;

• Write to:
  Quality Control – Operations
  Sandy Spring Bank
  17801 Georgia Avenue
  Olney, MD 20832
• Call our Client Service Center at 800.399.5919 or 301.774.6400
• Send us an email at [email protected]
• Visit your nearby community office

In order to ensure that we accurately reflect your request, please provide your full name, street address, and social security number. For telemarketing and/or email requests, also include your telephone number or email address as appropriate. It may take up to eight to twelve weeks for your request to be fully effective. If you choose to remove your name from our list, you may not hear of new products, special offers or discounts that we extend to our clients from time to time. Please note that we will continue to send you marketing material and promotional materials in your statements.

Go to the Sandy Spring Privacy Notice