Get more from your personal checking account, with Premier Banking from Sandy Spring Bank. It's loaded with services and features that save you money, like unlimited check writing and online banking. You even earn interest. Check out what Premier Banking can offer you today.

Open Premier Banking Now!


  • Unlimited Check Writing
  • Free BankXpress Online Banking, with Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free Sandy Spring Bank World Debit MasterCard®
  • Up to 4 surcharge-free ATM transactions with a maximum $12 refund per month
  • Unlimited free Debit Card purchase transactions (PIN-based or signature)
  • Free Standard Checks or a $10 discount on other check styles
  • Free American Express Travelers Cheques for One
  • Free financial checkup
  • Free official bank checks
  • Unlimited branch teller transactions
  • Free check safekeeping or check images with monthly statement
  • Unlimited calls to our Client Service Center
  • Unlimited calls to automated telephone banking
  • Free transfers from savings to cover overdrafts
  • Discounts on personal installment loans (if qualified)
  • Higher interest earned on higher balances
  • No annual fee Preferred Plus line of credit (if qualified)
  • 50% discount on annual safe box rental (one box per account)
1 Up to 4 transactions with a maximum $12.If you are assessed an ATM surcharge fee by the owner of the machine, we will credit your Premier Banking account for the surcharge fee. Surcharge refund does not apply to interchange fees on international transactions.

Open Now, Call 800-399-5919, press 3, 1, Or, visit a Maryland or Virginia Community Office



Monthly Maintenance Fee

Balance Requirement


$14 monthly maintenance fee is waived if you maintain a $10,000 combined average balance in Premier Banking and companion deposit accounts (i.e. checking, savings, CDs, IRAs) or $15,000 in outstanding personal installment loans or lines of credit, or maintain an Investment or Trust account with Sandy Spring Bank.

Fee Type


Overdrafts and NSF Items: Returned*


Extended Overdrafts

$5 per day when an account remains overdrawn for more than 7 days.

Stop Payment

$32 for checks or pre-authorized debits and Notice of Postdating.

Non-Sandy Spring Bank ATM**

Up to 4 surcharge free ATM transactions with a maximum $12 refund per month

*A withdrawal or an order presented for payment that would overdraw an account or is drawn against unavailable funds (fee not applicable to Commercial Checking UAF items that are paid or returned).

We do not charge the Overdraft Fee on your account when we determine that your account is overdrawn by a total amount less than $5.00 after we finish processing for the day.

When we determine that your account is overdrawn by a total amount of $5.00 or more, a $37 fee will apply to each withdrawal or order paid or returned. Daily maximum limited to 10 items. The types of withdrawals or Orders subject to an overdraft, NSF Return or UAF fee include negotiable orders of withdrawal, checks, substitute checks, electronified checks, "counter/in-person" withdrawals, drafts, ATM withdrawals, point of sale purchases, ACH withdrawals, online banking and telephone banking withdrawals, other orders, other items, and other withdrawals or transfer requests used to transfer or withdraw funds out of your Account by any means (subject to availability and any withdrawal limitations or penalties for your Account).

**For other fees applicable to your account, please view our Deposit Account Fee Schedule. For additional terms and conditions, please view our Personal Deposit Account and Electronic Banking Agreement and our Rate Sheet. To request a copy of any of these documents, please call 800-399-5919 and press 3, 1 for our Client Service Center, or visit any of our community offices.


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World Debit Card