Overdraft Services

Man smiling as he looks at his cell phone. Sandy Spring Bank Personal Overdraft Services. Take control of your finances by understanding overdraft services and other strategies you can use to help you manage your accounts. 

Federal regulations give consumer debit and ATM card users additional options when it comes to overdrafts. The Federal Reserve’s Regulation E, which enforces the Electronic Funds Transfer Act, ensures that banks, credit unions, and other financial institutions must offer clients the ability to make decisions about overdraft services for transactions made with debit or ATM cards. We offer two services:

Tips To Avoid Overdrawing Your Account

  • Find out how much money you have in your account with Personal Online Banking. (Don’t forgot to subtract any transactions that aren’t listed in Online Banking as those might reduce your available balance.)
  • Sign up for email alerts and stay on top of your transactions and balances. Get notified when you reach a low account balance, or any balance that you set.
  • Need more funds in your account? You can make a transfer online or on the phone, so that you can make a purchase or ATM withdrawal.
  • Balance your checkbook to track of all your deposits and withdrawals.

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