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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Online Banking Free Free Free Free
Online Bill Pay – Optional Free Free Free Free
Online Statements Free Free Free Free
Email Alerts Free Free Free Free
Online Check Images Free Free Free Free
Access to 55,000 ATMs Free Free Free Free
Monthly Service Fee The $14 monthly maintenance fee is waived if you maintain a $10,000 combined average balance in Premier Banking, companion personal deposit products (checking, savings, money market and certificates of deposit, including IRAs) and outstanding personal installment loans or lines or maintain an Investment or Trust account with Sandy Spring Wealth Management. None None None
Interest Earned yes yes
Debit MasterCard® with Zero Liability yes
World Debit MasterCard
yes yes yes
Checks Free Standard Checks or $10 discount on other types Free Standard Checks or $10 discount on other types
Bonus Rates on Select CDs yes
No Annual Fee American Express Travelers Checks yes  yes
Discount on Safe Deposit Box 50% discount on annual safe deposit box rental(one box)
Additional Features
.25% Discount on Installment Loans (if qualified) yes
No Transfer Charge for Overdraft Transfers from your Savings Account yes
No Fee Official Bank Checks yes

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.