Frequently Asked Questions

ABA/Routing number: 055001096

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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.

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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.