This is an optional service you can add to your eligible checking account. The service allows Sandy Spring Bank to approve (at our discretion) your ATM and everyday (one-time) debit card transaction if you do not have enough money to cover your transaction in your checking account.
If you add this service, we may approve these transactions into an overdraft and standard overdraft fees man be assessed. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. You may cancel this service at any time.
If you do not add this service and you do not have enough money in your checking account, your ATM or every debit card transaction will be declined. In addition, no overdraft fees will be assessed on ATM or everyday debit card transactions that are paid from your account, even if you no longer have sufficient funds to cover previously approved transactions.