Frequently Asked Questions

  • Debit and Credit
    • Question

      Does Sandy Spring Bank protect my virtual cards?


      Yes. Just like your physical credit and debit cards, your virtual credit and debit cards are covered by zero liability protection. The zero liability protection** covers fraudulent purchases and payments made by others using your physical or virtual credit and debit cards. If you suspect unauthorized use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.

      You should receive access to funds by the next business day in most cases, pending resolution of your claim. Please consult your customer and account agreements for full details.

      ** See  for details.