Frequently Asked Questions

Chip cards have a microchip embedded in the card that provides increased protection against fraud. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.

A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction.

Use your chip card at the exact same merchants you do now—by inserting the card into card terminals that are chip enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments, and at ATMs.

If the ATM is chip enabled, your card will remain in the card reader until your transaction is complete.

*Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

**If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

© 2016 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.
Member FDIC

If you would like to save time and pay bills automatically with your new “chip enabled” Sandy Spring Bank Debit Mastercard, it is easy. Simply contact the providers that send you bills on a regular basis, and ask if you can pay with your Debit Mastercard. No more writing checks or worrying about late payments. Your payments will appear on your monthly statement for easy tracking and record keeping.

*Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

**If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

© 2016 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.
Member FDIC

Yes, use your debit card to get cash at any Sandy Spring Bank or Allpoint® ATM, plus over a million ATMs around the world that display the Mastercard,® Maestro,® Cirrus® or NYCE® acceptance marks.

*Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

**If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

© 2016 MasterCard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated
Member FDIC

Yes, where available and up to a certain amount. At the beginning of your transaction, be sure to ask your cashier if they offer cash back. If they do, you’ll need to enter your PIN.

*Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

**If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

© 2016 MasterCard. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.
Member FDIC

The "chip enabled” Debit Mastercard provides Security, Shopping and Protection benefits* including Mastercard Zero Liability** for unauthorized transactions. If you currently have a Debit Mastercard, these benefits have not changed. Plus you have the added security of the chip on your debit card which also makes it more difficult to copy or counterfeit your card. For information on your card benefits, please see the appropriate Guide to Benefits brochure based on your card type.

*Certain terms, conditions, and exclusions apply. See www.mastercard.us  and www.sandyspringbank.com  for details.

**If the card is lost or stolen, the Mastercard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability  for full terms and conditions. Certain restrictions apply.

© 2016 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.
Member FDIC

Simply contact any of our convenient Sandy Spring Bank Community Offices or our Client Service Center at 800.399.5919 and they will be able to assist you with any additional questions you may have regarding the new chip Debit MasterCard.

To add a card on an iPhone or iPad, go into Settings, open Wallet^® & Apple Pay, and select “Add Credit or Debit Card.” On iPhone, you can open Wallet, then swipe down and tap the plus sign. From there, use your iPhone’s camera to enter the card information or type it in manually. If you already have credit and debit cards in your iTunes account, you can add those to Wallet by simply entering the card security code. The card security code is a 3-digit code on your card. Keep in mind the first card you store in Wallet is your default payment card, but you can always change that in Settings. Consider making your Sandy Spring Bank Debit Mastercard^® your default card.

For more information on adding your credit or debit cards, or compatible devices please visit the Apple Pay page.

This is just an extra security step from Apple. Simply call the number provided so we can verify your card. Then look for a Wallet message letting you know your card is ready for Apple Pay.

Apple refers to the digital form of credit and debit cards as the Device Account Number.

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 www.mastercard.us/zero-liability.html for details.

Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.

Please note: MasterCard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

You can add your Sandy Spring Bank personal and business debit cards including HSA debit cards. ATM-only cards cannot be added.

At this time, Apple Pay works on iPhone models with Face ID, iPhone models with Touch ID, except for the iPhone 5s. It also works with iPad Pro, iPad Air, iPad, iPad mini models with Touch ID or Face ID. You can use Apple Pay with compatible iPhones and  iPad for purchases and payments: In stores, Within Apps or On the web in Safari, wherever Apple Pay is accepted.

Please visit Apple for a current list of supported devices.

No. Not all merchants have adopted this technology. Please continue to carry your physical cards to use where Apple Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments.

No. The card image won’t be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

Wallet displays the time or date of the last Sandy Spring Bank debit card purchase you made with Apple Pay, but it won’t display all your purchase details. For a complete view of all your Sandy Spring Bank debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

While we hope your phone is never lost or stolen, it’s a good idea to download Apple’s Find My iPhone app before that happens. You can use the app to quickly place your device in Lost Mode so your information is not accessible, or you can remotely erase your iPhone. Please note: Find My iPhone must be enabled in iCloud settings on your device before you can locate it with this app.

If you can’t download the Find my iPhone app or can’t disable Apple Pay using your iCloud account from another device, you should cancel your physical debit or credit cards which will delete your virtual cards from Apple Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

Erasing the information on your iPhone will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your iPhone will delete the virtual cards from Apple Pay and they can no longer be used. You can add your credit and debit cards back into Apple Pay at any time.

Adding your Sandy Spring Bank Debit card to Google Pay takes just a few minutes. First, download the app from Google Play or check to see if it’s already installed on your phone. Then, open the app and follow the instructions.

Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Google Pay, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Google Pay.

You can add your Sandy Spring Bank personal and business debit cards including HSA debit cards. ATM-only cards cannot be added.

Google Pay works on Android Devices running KitKat 4.4 or higher.

Google Pay is accepted at millions of places around the world. You can use it anywhere contactless payments are accepted.

Google Pay works anywhere you see one of these symbols at checkout. Just wake your phone and hold it near the terminal. You don’t even need to open the app.

While we hope your phone is never lost or stolen, it’s a good idea to enable your Android Device Manager. On your Android device, go to the Google Settings app, and then tap on Android Device Manager. The locator feature is enabled by default, but to enable remote data wipe, tap on the box next to “Allow remote factory reset,” then tap “Activate.”

If your Android Device is ever lost or stolen you can use Android Device Administrator to lock it remotely, create a new password, and wipe your personal information from it.

We also recommend that you notify their mobile carrier and promptly call the Sandy Spring Bank customer service number on the back of your card. You should mention you added your card to Android Pay, so the Sandy Spring Bank can disable the card for use with Android Pay. If you locate the device, you will need to add their card back to Android Pay before making any purchases.

You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

Erasing the information on your Android will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your Android Phone will delete the virtual cards from Android Pay and they can no longer be used. You can add your credit and debit cards back into Android Pay at any time.

Please call 301.774.6400 or 800.399.5919 and press 2 for our Client Service Center. One of our representatives will block your old card and order you a new one. You will need to update Google Pay with your new card number.

After hours, or on non-business days, please call 800.236.2442 to have your card blocked. On the next business day, please contact our Client Service Center to order a replacement card. You may also request your replacement card using our secure message feature through BankXpress online banking.

From the home screen, touch apps, touch Samsung Pay, touch install. Cards can be easily added to the Samsung Pay app by using your device’s camera to scan in your card’s information, or by manually inputting the card information yourself.

This is just an extra security step from Samsung Pay. Simply call the number provided so we can verify your card. Then look for a wallet message letting you know that Samsung Pay has been activated. You will also receive an email from Samsung Pay.

Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Samsung Pay, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Samsung Pay.

Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.

Please note: MasterCard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

You can use Samsung Pay with the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note 5 and newer devices that are compatible with Samsung Pay. Please visit https://www.samsung.com/pay for a full list of compatible devices.

Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) used to swipe cards and Near Field Communication (NFC) to make contactless mobile payments. MST and NFC enable the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note 5 to make transactions at most card readers where you can swipe or tap your card, excluding gas station pumps.

Please continue to carry your physical cards to use where Samsung Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments. You can visit this website to determine terminals that accept Samsung Pay https://www.samsung.com/pay

No. The card image won’t be an exact match. Keep in mind this doesn’t affect how your cards work with Samsung Pay.

Wallet displays the time or date of the last Sandy Spring Bank debit card purchase you made with Samsung Pay, but it won’t display all your purchase details. For a complete view of all your Sandy Spring Bank debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

Samsung Payments can’t be made from your phone without being authorized via fingerprint or the PIN chosen during the setup process. If you register with Samsung’s Find My Mobile service, you can remotely erase information on the phone, including any cards stored in Samsung Pay. The URL is https://www.samsung.com/us/support/

You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

Erasing the information on your Samsung will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your Samsung Phone will delete the virtual cards from Samsung Pay and they can no longer be used. You can add your credit and debit cards back into Samsung Pay at any time.

SecurLOCK Equip is a mobile app that allows you to control how, when, and where your debit and/or credit cards are used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

SecurLOCK Equip requires you have a debit card (Debit, World, Business or HSA) issued form Sandy Spring Bank. You will also need an Apple or Android smartphone. After downloading the app, you will be instructed to enter your full account number and other authentication information. Once registered, you can begin using the app immediately.

It is simple. If you have an iPhone, just download the app from the Apple store. If you have an Android phone, download the app from the Google Play store. Once the app has successfully downloaded to your smartphone you can begin to register your cards.

No. It is provided to you for free so you have more control over your card.

There is no limit to the number of Sandy Spring Bank cards that may be registered.

Debit, World, Business or HSA debit cards.

Please use the Contact Us button at the bottom of the landing page and a Sandy Spring Bank representative will be more than happy to assist you.

Your email address is needed in case you forget your password and need to reset it.

You can begin using the service immediately. When turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (expect for recurring payments) will be declined. When you are ready to make a purchase, simply turn the card back on. It is that easy. Now you have the ultimate control to combat fraud.

After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spending limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts, and much more.

It is an immediate push notification sent to the app. You can select to be alerted on all your payment transactions, or you can select preferred transactions. Preferred alerts are available by spending limits, location, transaction type, and merchant category.

No. Using the card controls does not change the status of your account.

It happens immediately after you set and save the option.

Yes. Merchant recurring transactions will still be approved. You can select to receive alerts on recurring transactions as well.

My Locations and My Region can work independently or together, but neither can be used in conjunction with International.

Alert Preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions. Preferred alerts are available by location, transaction type, merchant type, and threshold amount.

Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.

You will have to add the new account to the app. This can be done by going to Manage Account and adding the card. Be sure to “unmanage” the old card.

There is a Help function within the app as well as a Contact Us category where you can send an email to Sandy Spring Bank. You can also call us at 800.399.5919.

The last 50 transactions will display in the app for thirty calendar days.

Some merchants send pre-authorizations at higher amounts to test a cards validity. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.

To select the card(s) you wish to manage, go to Settings and choose Manage Cards. Then uncheck the card or cards you don’t want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.

Press the icon that has three stacked lines to reach the menu. This icon is usually found in the top right corner.

Detailed information can be found throughout the app. Help can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page tapping the “i “ next to My Regions will open a window with detailed information on how the control works.

The app requires a password to access the contents. Also, there is no personal information stored on the smartphone, and transactions cannot be conducted using the app. The app only displays the last four digits of your card number.

No.

Yes. Merchant recurring transactions will still be approved. You can select to receive alerts on recurring transactions as well.

Just download the app to your new smartphone and login with your current user id and password. You can then set your controls and alert preferences.

Detailed information can be found throughout the app. Help can be found at the bottom of the login page and listed in the menu. On specific pages such as the My Location page tapping the “i “ next to My Regions will open a window with detailed information on how the control works.