General Information Questions

Transaction & Account-Related Questions

Product & Service Questions

Debit Card Questions

Sandy Spring Credit Card Questions

Online Banking Questions

Miscellaneous Questions

General Information Questions

Sandy Spring Bank
17801 Georgia Avenue
Olney, MD 20832
800-399-5919

ABA/Routing number: 055001096

 

Q. What are the community office hours?
A. Please click here for our hours.

Q. Where are Sandy Spring Community Offices located?
A. Please click here for our locations.

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Transaction & Account-Related Questions

Q. How are withdrawals posted to my account?
A. All client-initiated withdrawals are posted to your account at the end of each business day in high to low dollar amount.

Q. Do my ATM withdrawals, POS purchases and in-branch withdrawals come out of my account when they occur?
A. No. We post all withdrawals, including ATM, POS purchases and in-branch withdrawals, at the end of each business day in high to low dollar amount.

Q. According to my receipt I had money in my account when I made my ATM withdrawal; why was I charged an overdraft fee for it?
A. The balance on your receipt reflected the available funds in your account at the time the transaction occurred. When your other outstanding withdrawals for that day were posted to your account that evening, you did not have sufficient funds in your account to cover all your withdrawals. All withdrawals are grouped together at the end of each business day, regardless of the type of withdrawal, and posted in high to low dollar amount.

Q. What can I do to avoid overdraft fees?
A. You can avoid overdraft fees by keeping sufficient funds in your account to cover any withdrawals you make. Recording electronic transactions in your register right away helps to keep your records as current as possible. Online banking and telephone banking are also available to monitor your account activity as frequently as you desire at no charge. When you receive your monthly statement, balance your account to make sure you recorded everything. As an added precaution, we do offer overdraft protection options if you would like to apply.

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Q. When will the funds be available when I deposit a non-cash deposit?
A. In most cases, our policy is to make funds available to you on the first business day after the day we receive your deposit. For determining the availability of your deposit, every day is a business day, except Saturday, Sunday, and federal holidays. If you make a deposit before 3:00 p.m. (Maryland Offices) or 4:00 p.m. (Virginia Offices) on a business day that we are open, we will consider that day to be the day of your deposit.

There are a few instances where we do not make all of the funds you deposited available to you on the first business day after the day of your deposit. Depending on the type and amount of the check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $200 of the deposit will be available to you on the first business day after the day of your deposit. We will notify you if we are not going to make all funds available to you on the first business day after the day of your deposit. For more information please refer to the Funds Availability Disclosure in our Personal Deposit Account and Electronic Banking Agreement.

 

Q. Why is my available balance more or less than my current balance?
A. The available balance for your account may differ from the current balance because of pending transactions that have been presented against the account, but have not yet been processed. Once processed, the transactions are reflected in the current balance and show in the account history.

The available balance also includes credit available if you have a line of credit linked to your checking account.

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Q. Where is the account number located on my checks?
A. For personal accounts, the account number is the 10-digit number immediately following the routing number at the bottom of your check. Our bank routing number 055001096 is listed first followed by your 10-digit checking account number.

Q. How can I change the address on my accounts?
A. You can change your address by contacting our Client Service Center or visiting any community office to complete a Change of Address form. You can also send us a secure email through BankXpress online banking or a letter that includes your account number(s) and signature to: Sandy Spring Bank (SSB), Client Service Center, 17801 Georgia Avenue, Olney, MD 20832.

Q. How can I order personal and/or business checks or deposit slips?
A. You can order checks online through these links:

Personal Orders Business Orders

or by contacting our Client Service Center at 800-399-5919 and pressing 2. You may also visit any of our community offices during lobby hours.

Q. How can I place a stop payment?
A. You can stop payment of a check through BankXpress online banking, ebiz online banking, or by contacting our Client Service Center at 800-399-5919 and pressing 2. You may also stop by any of our community offices. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement for more information.

Q. How do I stop an auto-debit from my account?
A. If another financial institution or company, such as an insurance company or health club, is debiting your account, you will need to contact them directly to cancel the auto-debit.

If Sandy Spring Bank is debiting your account for payment on a SSB loan or service, please mail a letter instructing us to cancel the auto-debit to: Sandy Spring Bank, 17801 Georgia Ave, Olney MD 20832, or visit one of our community offices.

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Q. How do I send a wire transfer?
A. Requests for an outgoing wire transfer must be originated in person at one of our community offices during lobby hours. You will need to contact the receiving company/organization to obtain their wiring instructions. There are fees to send wires both domestically and internationally. For complete details, please contact our Client Service Center at 800-399-5919 and press 2.

Q. What information do I need for an incoming wire tranfer?
A. Bank information:

You will need to provide your Sandy Spring Bank account number to the company who will be wiring the funds to you. Remember: your account is the ten-digit number located at the bottom of your check following the ABA/Routing number.

Certain fees may apply. For more information, please contact our Client Service Center at 800-399-5919 and press 2.

Q. How do I change my name on my accounts?
A. To change your name on an existing account, you will need to complete a new signature card and provide verification of the legal change of name, which includes an updated social security card. You can do this by contacting our Client Service Center or visiting one of our community offices during lobby hours.

Q. What does "electronified" check mean?
A. An electronified check means that the information from the paper check has been submitted to us electronically. The merchant or other financial institution guarantees that this is a true representation of the paper check and that they are submitting the electronic request in place of the paper check. They further guarantee that the paper check will not be submitted for payment. With an electronified check, Sandy Spring Bank does not receive the paper check; therefore, we cannot return it in your statement.

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Product & Service Questions

Q. Do you offer Certificates of Deposit?
A.
Yes, we do.

Q. Does Sandy Spring Bank offer certified checks?
A. We provide Official Checks, which are guaranteed funds, for Sandy Spring Bank clients. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement for more information.

Q. Does Sandy Spring Bank offer cashiers checks? If so, how do I get one?
A. Yes, we do offer Official Checks (i.e. Cashiers Checks). You can request one at any of our community offices. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement for more information.

Q. Does Sandy Spring Bank have notary service available? When and where?
A. Notary service is usually available during lobby hours in our community offices. We recommend that you call ahead to verify that there is a notary available. Certain fees may apply. Please refer to our Personal Deposit Account and Electronic Banking Agreement for more information.

Q. What is the safe deposit box availability?
A. Safe deposit box availability varies by community offices. It is best to check with the most convenient community office to determine if the box size you would like is available.

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Q. What are your mortgage rates?
A. Since mortgage rates can change several times a day, we recommend that you speak directly to our mortgage department at 800-869-8523 for the most up-to-date mortgage rates.

Q. How can a third party receive a payoff quote for my loan?
A. A third party can request a written payoff quote by faxing that request to 301-483-6557. The request must include the client's written authorization. Requests received prior to 3:00 p.m. will be faxed to the requestor's fax number the next business day.

Q. What are your deposit rates?
A. Click here for our current deposit rates.

Q. What are your consumer loan rates?
A. Click here for our current consumer loan rates.

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Debit Card Questions

Q. How can I change the PIN to my Debit Card?
A. You can change your PIN at any of our community office ATMs. Press "More Selections" and "PIN Change". If you have forgotten your PIN, you can request a PIN reminder by contacting our Client Service Center at 1-800-399-5919 and pressing 2.

Q. Can I have more than one Debit Card for my personal and/or business checking account?
A. It is our practice to issue one Debit Card per person for personal clients and one per authorized signer for each business entity. If you have special circumstances, please contact our Client Service Center at 800-399-5919 and press 2.

Q. Why can't I access all of my accounts using my Debit Card?
A. There is one primary checking account and one primary savings account on the Debit Card. When making MasterCard purchases only the primary checking account will be used. You may add additional accounts to your Debit Card by calling the Client Service Center at 800-399-5919 and press 2, or visiting any of our community offices. These secondary accounts are only accessible through Sandy Spring Bank ATMs.

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Q. My Debit Card Card is about to expire; when will I receive a replacement?
A. A replacement card should arrive on or about the first of the month the card is supposed to expire. i.e. If your card expires 11/14, then you should receive your replacement around the first week of November. If you haven't received your replacement card by the 15th of the month your card will expire, please contact the Client Service Center at 800-399-5919 and press 2.

Q. How do I dispute a transaction made with my Debit Card?
A. Please contact our Client Service Center at 800-399-5919 and press 2, to report unauthorized transactions on your check card.

Q. What should I do if my Debit Card is lost or stolen?
A. Please call 301-774-6400 or 800-399-5919 and press 2 for our Client Service Center from 8 a.m. to 7 p.m. Monday thru Friday, and from 8 a.m. to 1 p.m. on Saturdays. One of our representatives will block your old card and order you a new one.

After hours, or on non-business days, please call 800-236-2442 to have your card blocked. On the next business day, please call our Client Service Center to order a replacement. You may also request your replacement card using our secure message feature through BankXpress online banking.

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Sandy Spring Credit Card Questions

Q. What should I do if my Sandy Spring credit card is lost or stolen?
A. For information on how to report a lost or stolen Sandy Spring Bank credit card, please click here.

Online Banking Questions

Q. Why can't I log onto BankXpress or ebiz online banking?
A. Please contact us at 800-399-5919 and press 2 for our Client Service Center. Let us know what error information you received when attempting to log on and we will assist you in logging on successfully. We are available Monday - Friday 8:00 a.m. to 7:00 p.m. and Saturdays 8:00 a.m. to 1:00 p.m.

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Miscellaneous Questions

Q. If I am not a Sandy Spring Bank client, can I cash a check payable to me?
A. Yes, if the check is drawn on Sandy Spring Bank, you may present it for payment at any of our community offices. There must be sufficient, available funds in the account on which the check is drawn and you must provide a valid form of identification at the time of the transaction.

Q. Can I cash checks in the drive-thru if I am not a Sandy Spring Bank client?
A. Yes, with a valid form of identification.

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