Premier Banking is loaded with services and features that save you money, like free standard check orders, surcharge free ATM transactions1 and a discount on the rental of a safe deposit box. You even earn interest. Check out what Premier Banking can offer you today.

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  • Free Standard Checks or a $10 discount on other check styles
  • Unlimited Check Writing
  • Free Online Banking with Bill Pay
  • Free Mobile Banking with Mobile Deposit
  • Free Sandy Spring Bank World Debit MasterCard®
  • No Sandy Spring Bank fee for using a non-Sandy Spring Bank or non-Allpoint ATM2
  • Up to 4 surcharge-free ATM transactions with a maximum $12 refund per month
  • Free American Express Travelers Cheques for One
  • Free financial checkup
  • Free official bank checks
  • Free electronic or paper statements
  • Free transfers from savings to cover overdrafts
  • Discounts on personal installment loans (if qualified)
  • Higher interest rate on select CDs and the Premier Money Market Savings account
  • 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.
2 Other bank may charge a fee.

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



Monthly Maintenance Fee Balance Requirement
$14 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.
Fee Type Fee
Overdrafts and NSF Items: Returned* $37
Extended Overdrafts $5 per business day beginning on the 7th calendar day.
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 five  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 Personal Fee Schedule. For additional terms and conditions, please view our Personal Deposit Account and Electronic Banking Agreement, Product Sheet,  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.