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Sandy Spring Bank has a personal checking account  to meet every need.  Open the one that fits your life today!

  MY FREE BANKING STUDENT BANKING SENIOR INTEREST BANKING PREMIER BANKING
  Our most popular account — you can forget about monthly charges  A great way to begin your financial journey  Earn interest with no monthly fee if you're 55+ Interest Checking with all the perks you deserve.
Account Features

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  No Monthly Maintenance Fee No Monthly Maintenance Fee No Monthly Maintenance Fee No Monthly Maintenance Fee if you maintain a $10,000 combined average balance1 in qualifying accounts or $14 per month
Access to 55,000 Surcharge-Free Allpoint® Network ATMs Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle
Free Debit Mastercard®  Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle

 

Yes Green Check Mark in a Circle

World Debit Mastercard

Free Online and Mobile Banking Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle
Discount on Auto Loans with auto debit (if qualified)2 Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle
No Fee for using a non-Sandy Spring Bank or non-Allpoint Network ATM   Yes Green Check Mark in a Circle
(2 per month)2
  Yes Green Check Mark in a Circle
 
Interest Earned     Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle
Check Orders     Yes Green Check Mark in a Circle

Free standard checks or a $10 discount custom orders

Yes Green Check Mark in a Circle

Free standard checks or a $10 discount on customer orders

ATM Surcharge
Refunds
      Yes Green Check Mark in a Circle
(4 per month)3
No Transfer Charge for Overdraft Transfers from a Savings Account       Yes Green Check Mark in a Circle
Discount on Safe Deposit Box       Yes Green Check Mark in a Circle
50% discount on annual safe deposit box rental (one box)
No Fee for Cashier’s Checks       Yes Green Check Mark in a Circle
No Fee for American Express Travelers Cheques     Yes Green Check Mark in a Circle Yes Green Check Mark in a Circle
 

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  • 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 www.mastercard.us/zero-liability.html for terms and conditions.

    © 2019 Masterard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of Mastercard International Incorporated.