Frequently Asked Questions

  • Beneficial Ownership Rule FAQs
    • Question

      What is the Beneficial Ownership Rule and what additional information is now needed when opening a new business account or loan?

      Answer

      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

  • Business Samsung Pay
    • Question

      Does Sandy Spring Bank protect my virtual cards?

      Answer

      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.

    • Question

      How do I add my physical debit or credit card to the Samsung Pay App?

      Answer

      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.

    • Question

      What is a virtual card?

      Answer

      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.

    • Question

      What type of device do I need to use Samsung Pay?

      Answer

      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.

    • Question

      Will all merchants accept Samsung Pay?

      Answer

      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

    • Question

      Will the card image in Samsung Pay match my physical card?

      Answer

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

    • Question

      Does Samsung Pay show my Sandy Spring Bank debit card transactions?

      Answer

      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.

    • Question

      What if my Samsung Phone is lost or stolen?

      Answer

      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.

    • Question

      If I erase my Samsung Phone, does that cancel my physical cards or can I continue to use them?

      Answer

      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.

    • Question

      Will merchants receive my physical card number?

      Answer

      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.

    • Question

      Which Sandy Spring Bank debit cards are eligible for Samsung Pay?

      Answer

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

  • Business SecurLOCK FAQs
  • Debit Card Alerts FAQs
  • Business Debit Card Alerts FAQs
  • Remote Deposit Upgrade FAQs
    • Question

      What is Remote Deposit Update?

      Answer

      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.

  • Business Google Pay
    • Question

      How do I add my debit card to Google Pay?

      Answer

      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.

    • Question

      What is a virtual card?

      Answer

      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.

    • Question

      Which Sandy Spring Bank debit cards are eligible for Google Pay?

      Answer

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

    • Question

      What type of device do I need to use Google Pay?

      Answer

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

    • Question

      Where can I use Google Pay?

      Answer

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

    • Question

      How do I  pay?

      Answer

      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.

      Google Pay icon and wireless payment icon
    • Question

      What if my Android Phone is lost or stolen?

      Answer

      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.

    • Question

      If I erase my Android Phone, does that cancel my physical cards or can I continue to use them?

      Answer

      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.

    • Question

      What if my Sandy Spring Debit Card is lost or stolen?

      Answer

      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.

  • Business SecurLOCK
  • Business Apple Pay
    • Question

      How do I add my physical credit or debit card to Apple Pay?

      Answer

      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.

      Apple App Store

    • Question

      Why am I being asked to call Sandy Spring Bank to verify my card?

      Answer

      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.

    • Question

      What is a Device Account Number?

      Answer

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

    • Question

      Does Sandy Spring Bank protect my virtual cards?

      Answer

      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.

    • Question

      Will merchants receive my physical card number?

      Answer

      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.

    • Question

      Which Sandy Spring Bank debit cards are eligible for Apple Pay?

      Answer

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

    • Question

      What type of device do I need to use Apple Pay?

      Answer

      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.

      Apple App Store

    • Question

      Will all merchants accept Apple Pay?

      Answer

      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.

    • Question

      Will the card image in Apple Pay match my physical card?

      Answer

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

    • Question

      Does Wallet show my Sandy Spring Bank debit card transactions?

      Answer

      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.

    • Question

      What if my iPhone is lost or stolen? 

      Answer

      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.

    • Question

      If I erase my iPhone, does that cancel my physical cards or can I continue to use them? 

      Answer

      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.

  • Borrowing
  • Debit and Credit
    • Question

      Does Sandy Spring Bank protect my virtual cards?

      Answer

      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.

    • Chip Technology
      • Question

        What are chip cards?

        Answer

        Chip cards have a microchip embedded in the card that provides increased protection against fraud. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

      • Question

        How is this chip card different from a magnetic stripe card?

        Answer

        A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction.

      • Question

        Where can I use my chip Debit Mastercard?

        Answer

        Use your chip card at the exact same merchants you do now—by inserting the card into card terminals that are chip enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.

        If the ATM is chip enabled, your card will remain in the card reader until your transaction is complete.

        *Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

        **If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

        © 2016 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.
        Member FDIC

      • Question

        Can I set-up automatic payments for my chip Debit Mastercard?

        Answer

        If you would like to save time and pay bills automatically with your new “chip enabled” Sandy Spring Bank Debit Mastercard, it is easy. Simply contact the providers that send you bills on a regular basis, and ask if you can pay with your Debit Mastercard. No more writing checks or worrying about late payments. Your payments will appear on your monthly statement for easy tracking and record keeping.

        *Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

        **If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

        © 2016 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.
        Member FDIC

      • Question

        Can I get cash at ATMs with the chip Debit Mastercard?

        Answer

        Yes, use your debit card to get cash at any Sandy Spring Bank or Allpoint® ATM, plus over a million ATMs around the world that display the Mastercard,® Maestro,® Cirrus® or NYCE® acceptance marks.

        *Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

        **If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

        © 2016 MasterCard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated
        Member FDIC

      • Question

        Can I get cash back with my purchases with the chip Debit Mastercard?

        Answer

        Yes, where available and up to a certain amount. At the beginning of your transaction, be sure to ask your cashier if they offer cash back. If they do, you’ll need to enter your PIN.

        *Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

        **If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

        © 2016 MasterCard. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.
        Member FDIC

      • Question

        What benefits come with the new “chip enabled” Debit Mastercard?

        Answer

        The "chip enabled” Debit Mastercard provides Security, Shopping and Protection benefits* including Mastercard Zero Liability** for unauthorized transactions. If you currently have a Debit Mastercard, these benefits have not changed. Plus you have the added security of the chip on your debit card which also makes it more difficult to copy or counterfeit your card. For information on your card benefits, please see the appropriate Guide to Benefits brochure based on your card type.

        *Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

        **If the card is lost or stolen, the Mastercard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

        © 2016 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.
        Member FDIC

      • Question

        Who can I contact if I have additional questions?

        Answer

        Simply contact any of our convenient Sandy Spring Bank Community Offices or our Client Service Center at 800.399.5919 and they will be able to assist you with any additional questions you may have regarding the new chip Debit MasterCard.

    • Apple Pay™
      • Question

        How do I add my physical credit or debit card to Apple Pay?

        Answer

        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.

        Apple App Store

      • Question

        Why am I being asked to call Sandy Spring Bank to verify my card?

        Answer

        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.

      • Question

        What is a Device Account Number?

        Answer

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

      • Question

        Does Sandy Spring Bank protect my virtual cards?

        Answer

        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.

      • Question

        Will merchants receive my physical card number?

        Answer

        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.

      • Question

        Which Sandy Spring Bank debit cards are eligible for Apple Pay?

        Answer

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

      • Question

        What type of device do I need to use Apple Pay?

        Answer

        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.

        Apple App Store

      • Question

        Will all merchants accept Apple Pay?

        Answer

        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.

      • Question

        Will the card image in Apple Pay match my physical card?

        Answer

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

      • Question

        Does Wallet show my Sandy Spring Bank debit card transactions?

        Answer

        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.

      • Question

        What if my iPhone is lost or stolen? 

        Answer

        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.

      • Question

        If I erase my iPhone, does that cancel my physical cards or can I continue to use them? 

        Answer

        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.

    • Google Pay
      • Question

        How do I add my debit card to Google Pay?

        Answer

        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.

      • Question

        What is a virtual card?

        Answer

        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.

      • Question

        Which Sandy Spring Bank debit cards are eligible for Google Pay?

        Answer

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

      • Question

        What type of device do I need to use Google Pay?

        Answer

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

      • Question

        Where can I use Google Pay?

        Answer

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

      • Question

        How do I  pay?

        Answer

        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.

        Google Pay icon and wireless payment icon
      • Question

        What if my Android Phone is lost or stolen?

        Answer

        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.

      • Question

        If I erase my Android Phone, does that cancel my physical cards or can I continue to use them?

        Answer

        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.

      • Question

        What if my Sandy Spring Debit Card is lost or stolen?

        Answer

        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.

    • Samsung Pay
      • Question

        How do I add my physical debit or credit card to the Samsung Pay App?

        Answer

        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.

      • Question

        Why am I being asked to call Sandy Spring Bank to verify my card?

        Answer

        This is just an extra security step from Samsung Pay. Simply call the number provided so we can verify your card. Then look for a wallet message letting you know that Samsung Pay has been activated. You will also receive an email from Samsung Pay.

      • Question

        What is a virtual card?

        Answer

        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.

      • Question

        Will merchants receive my physical card number?

        Answer

        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.

      • Question

        What type of device do I need to use Samsung Pay?

        Answer

        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.

      • Question

        Will all merchants accept Samsung Pay?

        Answer

        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

      • Question

        Will the card image in Samsung Pay match my physical card?

        Answer

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

      • Question

        Does Samsung Pay show my Sandy Spring Bank debit card transactions?

        Answer

        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.

      • Question

        What if my Samsung Phone is lost or stolen?

        Answer

        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.

      • Question

        If I erase my Samsung Phone, does that cancel my physical cards or can I continue to use them?

        Answer

        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.

    • SecurLOCK
  • External Transfers
  • General
    • Question

      What is the bank routing number?

      Answer

      ABA/Routing number: 055001096

    • Question

      What are the Sandy Spring Bank branch hours?

      Answer

      Please click here for our hours.

    • Question

      Where are Sandy Spring branches located?

      Answer

      Please click here for our locations.

    • Question

      How are withdrawals posted to my account?

      Answer

      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.

      Group Type Transaction Posting Method
      1 Credit All deposits, credits, refunds, transfer credits and advances Low to High Dollar Amount Order
      2 Debit Outgoing wire transfers, cashed checks, in-person withdrawals, ATM withdrawals, transfer debits, deposit return items, SSB automatic loan payment, debit advices, and previously incurred service charges/fees (i.e. overdraft fees from previous day) Date/Time Order
      3 Debit Non-returnable electronic items (i.e. debit card Point of Sale and signature transactions) Date/Time Order
      4 Debit ACH Withdrawals Date/Time Order
      5 Debit Checks (in-clearing, electronified, bill payments issued in check form) Serial Number Order
      6 Debit Monthly and Maintenance Service Charges Low to High Dollar Amount Order
    • Question

      According to my receipt I had money in my account when I made my ATM withdrawal; why was I charged an overdraft fee for it?

      Answer

      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.

    • Question

      What can I do to avoid overdraft fees?

      Answer

      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.

    • Question

      When will the funds be available when I deposit a non-cash deposit?

      Answer

      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.

    • Question

      Why is my available balance more or less than my current balance?

      Answer

      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.

    • Question

      Where is the account number located on my checks?

      Answer

      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.

    • Question

      How can I change the address on my accounts?

      Answer

      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.

    • Question

      How can I order personal and/or business checks or deposit slips?

      Answer

      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.

    • Question

      How can I place a stop payment?

      Answer

      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.

    • Question

      How do I stop an auto-debit from my account?

      Answer

      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.

    • Question

      How do I send a wire transfer?

      Answer

      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.

    • Question

      What information do I need for an incoming wire transfer?

      Answer

      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.

    • Question

      How do I change my name on my accounts?

      Answer

      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.

    • Question

      What does “electronified” check mean?

      Answer

      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.

    • Question

      Do you offer Certificates of Deposit?

      Answer

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

      Personal CDs Business CDs

    • Question

      Does Sandy Spring Bank offer certified checks?

      Answer

      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.

    • Question

      Does Sandy Spring Bank offer Cashier’s Checks? If so, how do I get one?

      Answer

      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.

    • Question

      Does Sandy Spring Bank have notary service available? When and where?

      Answer

      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.

    • Question

      What is the safe deposit box availability?

      Answer

      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.

    • Question

      What are your mortgage rates?

      Answer

      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.

    • Question

      How can a third party receive a payoff quote for my loan?

      Answer

      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.

    • Question

      What are your deposit rates?

      Answer

      Click here for our current deposit rates.

    • Question

      What are your consumer loan rates?

      Answer

      Click here for our current consumer loan rates.

    • Question

      How can I change the PIN to my Debit Card?

      Answer

      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.

    • Question

      Can I have more than one Debit Card for my personal and/or business checking account?

      Answer

      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.

    • Question

      Why can’t I access all of my accounts using my Debit Card?

      Answer

      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.

    • Question

      My Debit Card is about to expire; when will I receive a replacement?

      Answer

      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.

    • Question

      How do I dispute a transaction made with my Debit Card?

      Answer

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

    • Question

      What should I do if my Debit Card is lost or stolen?

      Answer

      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.

    • Question

      What should I do if my Sandy Spring credit card is lost or stolen?

      Answer

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

    • Question

      Why can’t I log onto Personal or Business Online Banking?

      Answer

      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.

    • Question

      If I am not a Sandy Spring Bank client, can I cash a check payable to me?

      Answer

      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.

    • Question

      Can I cash checks in the drive-thru if I am not a Sandy Spring Bank client?

      Answer

      Yes, with a valid form of identification.

  • Mobile Banking
    • Question

      How much does this service cost?

      Answer

      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.

    • Question

      I’m not enrolled for personal online banking. Can I still use personal mobile banking?

      Answer

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

    • Question

      How do I sign up for personal mobile banking?

      Answer

      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.

    • Question

      Is it secure?

      Answer

      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.

    • Question

      Which wireless carriers are supported by personal mobile banking?

      Answer

      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.

    • Question

      Do I need a text message or data plan?

      Answer

      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.

    • Question

      What is Activation?

      Answer

      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.

    • Question

      What is Sandy Spring Bank text banking?

      Answer

      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.

    • Question

      What is the Sandy Spring Bank text banking code?

      Answer

      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.

       

    • Question

      Can I use both text banking and mobile banking on my phone?

      Answer

      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.

    • Question

      Is text banking supported on my phone?

      Answer

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

    • Question

      Will I receive unsolicited text messages?

      Answer

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

  • Online Banking & Bill Pay
    • Online Banking Passcode Requirements
    • Online Banking Multi-Factor Authentication
      • Question

        Why use multi-factor authentication with online banking?

        Answer

        Multi-factor authentication provides an extra layer of protection to your personal online banking account. These days a simple password isn’t always enough to make sure that someone is who they say they are. Multi-factor authentication makes it harder for fraudsters to access client accounts with a password alone.

      • Question

        What is multi-factor authentication for online banking?

        Answer

        Multi-factor authentication adds a second step to the login process to verify your identity and reduce fraud risks. After you enter your username and password, you could be prompted to enter a security code to gain access to your online account. Per your selection, the security code will be delivered to your cell phone or email. The unique security code sent to your cell phone or email can then be entered in the prompt for access to your online account.

      • Question

        How do I update my mobile number in Personal Online Banking? 

        Answer

        To update your mobile number you will need to be logged into your Personal Online Banking account. Once you’re logged into online banking, go to the Information & Settings menu by clicking the gear wheel in the header. Select Change Contact Information, and answer your verification questions. Then add your current mobile number. You’ll need to verify the changes you’ve made. Please continue to follow the prompts until you see a security code delivery preference page. Check the box to receive text alerts and submit. 

        Then click Information & Settings, and visit the Mobile Manager to update your device/number if you have gotten a new device or are using text banking. 

        You will receive an automated email confirming the changes you’ve made to your account.

      • Question

        How do I update my contact information to be ready for multi-factor authentication?

        Answer

        There are two ways to be ready for multi-factor authentication: verifying your contact information (email and mobile phone) in Personal Online Banking and updating your security code delivery preference. 

        To confirm your contact information is up to date in online banking, log into online banking and go to the Information & Settings page by clicking the gear wheel in the header. Select Change Contact Information and answer your verification questions. Then add your current mobile number. On the same screen you can also confirm your email. You’ll need to verify the changes you’ve made. Please continue to follow the prompts until you see a security code delivery preference page. Check the box to receive text alerts and submit.

        You will receive an automated email confirming the changes you’ve made to your account. 

      • Question

        Is there a difference between receiving email or mobile security codes? 

        Answer

        While you will be able to enter a security code from email or mobile delivery, we recommend you choose mobile delivery to receive security codes. Text messages are the fastest way to receive the codes because the codes are at your fingertips. We also believe that security codes on your mobile phone are the easiest way to securely log in to your account.

  • Privacy
    • Question

      What kind of information does Sandy Spring collect?

      Answer

      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.

    • Question

      How does Sandy Spring obtain the information?

      Answer

      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.

    • Question

      Who at Sandy Spring has access to my information?

      Answer

      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.

    • Question

      Why does Sandy Spring need my information?

      Answer

      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.

    • Question

      What do I do if I see any inaccurate information on my statements?

      Answer

      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.

    • Question

      Are there any regulations on disclosure of account information?

      Answer

      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.

    • Question

      Why does Sandy Spring share information within its family of companies?

      Answer

      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.

    • Question

      Will my medical records be shared within your family of companies?

      Answer

      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.

    • Question

      Can I prevent my information from being shared with other companies in your family of companies?

      Answer

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

    • Question

      Why does Sandy Spring share information with outside companies?

      Answer

      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.

    • Question

      Will the third parties keep my information confidential?

      Answer

      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.

    • Question

      How do I remove my name from Sandy Spring’s marketing lists?

      Answer

      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