Compare Checking Accounts

What type of checking account meets your financial needs?  Whether you’re a student, just starting out on your own, raising a family or an active retiree, we have the account for you. Whichever you choose, you’ll get free online banking with bill pay, mobile banking with mobile deposit and free access to over 55,000 surcharge free ATMs. 

Account Features


My Free

Senior Interest


Monthly Service Fee
$14, waived by maintaining a combined average balance1 or an investment or trust account with Sandy Spring Wealth Management
None None None
Interest Earned    
Check Orders
Free standard checks or a $10 discount on other types
Free standard checks or a $10 discount on other types
Free Debit Mastercard® with Zero Liability*
World Debit Mastercard

Debit Mastercard

Debit Mastercard

Debit Mastercard
Access to 55,000 Surcharge-Free Allpoint® Network ATMs
No Fee for using a non-Sandy Spring Bank or non-Allpoint Network ATM    
(2 per month)2
ATM Surcharge Refunds
(4 per month)3
No Transfer Charge for Overdraft Transfers from a Savings Account      
Premier Money Market      
Discount on Safe Deposit Box
50% discount on annual safe deposit box rental (one box)
Discount on Installment Loans with auto debit (if qualified)
Additional Features
No Fee for Cashier’s Checks      
No Fee for American Express Travelers Cheques    
Free Online Statements with Check Images


  • Disclosure
    1. $14 monthly maintenance fee. This fee is waived in any monthly evaluation period you maintain a $10,000 combined average balance in Premier Banking, companion personal deposit products (checking, savings, money market and certificates of deposit, including IRAs) and outstanding personal installment loans or lines or credit (auto, boat, RV, personal and home equity installment loans (does not include mortgages) home equity line of credit and secured and unsecured lines of credit) or maintain a Commercial Checking account with Sandy Spring Bank or maintain an Investment or Trust account with Sandy Spring Wealth Management. The companion deposit accounts used to meet the minimum requirements are subject to all of the terms and conditions for those types of accounts. To qualify as a companion account, all signers on the companion account must be the signers on the Premier Banking account.

      The monthly evaluation period is defined as the time period 3 business days prior to the beginning of the statement cycle to 3 business days prior to the ending of the statement cycle.

    2. There is no Sandy Spring Bank fee for up to 2 ATM transactions per monthly statement cycle made at ATMs that are not owned by Sandy Spring Bank or are not part of the Allpoint ATM network. The owner of the machine may charge a fee.
    3. Transactions at an ATM that are not owned by Sandy Spring Bank or are not part of the Allpoint ATM network that are assessed an ATM surcharge fee by the owner of the ATM will be refunded, up to 4 transactions ($12 maximum) per monthly statement cycle. Surcharge refund does not apply to interchange fees on international transactions.

    For other fees applicable to your account and for additional terms and conditions, please ask for our Personal Deposit Account and Electronic Banking Agreement, Fee Schedule, Product Sheet and Rate Sheet.

    * If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. Certain restrictions apply. Please see for terms and conditions.

    © 2017 MasterCard. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.