As a student, the last thing you should worry about is banking. That’s why Student Banking has no minimum balance and no monthly maintenance fee. We can even help should you accidently overdraw your account – we understand things may happen.

Student Banking gives you the banking services you need when heading off to school.

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Here’s what you get:

  • Free Checking Account
    • no minimum balance, no monthly service fee
  • Free Sandy Spring Bank Debit MasterCard®
    for anytime, anywhere purchases
  • Access to more than 55,000 ATMs with no surcharge
  • Free Online Banking with Free Bill Pay
    • Track your accounts and pay bills with ease
    • Make transfers to and from accounts at other financial institutions
    • Free Mobile Banking and Mobile Deposit
    • Free electronic statements
  • Free Regular Savings Account
  • 1 Overdraft Fee refunded per calendar year1
  • Ability to link to your Regular Savings for Overdraft Protection2
  • No Sandy Spring Bank fee for up to 2 ATM transactions per statement when using a non-Sandy Spring Bank or non-Allpoint ATM3
  • Opening deposit of $25


1 To receive a refund of the Overdraft Fee you must contact the Client Service Center at 800-399-5919 or through secure email in online banking.
2 Transfer charges may apply.
3 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
$0 $0
Fee Type Fee
Overdrafts and NSF Items: Returned* $37
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** $2.00 per withdrawal, balance inquiry or transfer.
Paper Statements (optional) $2.00 per monthly statement.

*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.

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