All checking accounts feature Free Online Banking with Bill Pay and Mobile Banking with Mobile deposit.

Premier Banking
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My Free Banking
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Senior Interest Banking
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Student Banking
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Monthly Service Fee $14, waived by maintaining a combined average balance1 or an Investment or Trust account with Sandy Spring Wealth Management None None None
Interest Earned yes yes
Check Orders yes
Free Standard Checks or $10 discount on other types
FreeFree Standard
Check Orders
or $10 discount
on other types
Free Debit MasterCard® with Zero Liability yes
World Debit MasterCard
yes yes yes
Access to 55,000 Surcharge –Free Allpoint® Network ATMs yes yes yes yes
No Fee for using a non-Sandy Spring Bank or Allpoint Network ATM yes yes
(2 per month)2
ATM Surcharge Refunds yes
(4 per month)3
No Transfer Charge for Overdraft Transfers from a Savings Account yes
Premier Money Market yes
Higher interest rates
Discount on Safe Deposit Box yes
50% discount on annual safe deposit box rental(one box)
.25% Discount on Installment Loans (if qualified) yes
Additional Features
No Fee for Cashier’s Checks yes
No Fee for American Express Travelers Checks yes yes
Free Online Statements with Check Images yes yes yes yes

1. The $14 monthly maintenance fee is waived when you maintain a $10,000 combined average balance in Premier Banking, companion personal deposit products (checking, savings, money market and CDs, including IRAs) and outstanding personal installment loans or lines or maintain an Investment or Trust account with Sandy Spring Wealth Management.  To qualify as a companion account, all signers on the companion account must be signers on the Premier Banking account.  The monthly fee may also be waived by maintaining a Commercial Checking account
2. There is no Sandy Spring Bank fee for up 2 ATM transactions per monthly statement cycle made at ATMs that are not owned by Sandy Spring Bank or are not part of the Allpoint ATM network. The owner of the machine may charge a fee.
3. Transactions at an ATM that are not owned by Sandy Spring Bank or are not part of the Allpoint ATM network that are assessed an ATM surcharge fee by the owner of the ATM will be refunded, up to 4 transactions ($12 maximum) per monthly statement cycle. Surcharge refund does not apply to interchange fees on international transactions.

For other fees applicable to your account and for additional terms and conditions, please ask for our Personal Deposit Account and Electronic Banking Agreement, Fee Schedule, Product Sheet and Rate Sheet.

* With Zero Liability, as a MasterCard cardholder, you’re not responsible in the event that someone makes unauthorized purchases with your card.  Conditions and exceptions apply. For further details, see for terms and conditions.

Interested in opening a Sandy Spring Bank personal checking account?

Call 800-399-5919, press 4, 1
Or, visit a Maryland or Virginia Community Office.