Direct Banking™

Hands doing a mobile deposit. Bank On logo Sandy Spring Bank Direct Banking BankOn National Account Standards 2021=2022 Approved certified since September 2022 Cities for Financial Empowerment FundFor quick, paperless deposits and payments, it’s best to be direct. Whether you’re looking for a more efficient way to bank or opening your first checking account, Direct Banking™ gives you full control of your funds with ease and security. 

Get Started Today: Apply online, visit a branch or call 800.399.5919.

Features
  • No overdraft/NSF fee.1
  • No check writing.
  • Low minimum opening deposit of only $25.
  • No minimum balance required.
  • No inactivity fees.
  • Mobile and online banking with mobile deposit and bill payment.
  • Sandy Spring Bank Debit Mastercard® with shopping and protection benefits.
  • Easily accessed eStatements.
  • Access to Zelle® to send money to nearly anyone you know and trust.2
  • Unlimited use of Sandy Spring Bank ATMs and the 55,000 Surcharge-free ATMs in the Allpoint network. 

Sandy Spring Bank Direct Banking BankOn National Account Standards 2021=2022 Approved certified since September 2022 Cities for Financial Empowerment Fund

  • No Sandy Spring Bank ATM fee for up to 4 transactions per statement cycle at non Sandy Spring Bank/Allpoint ATMs (ATM owner may charge a fee).3
  • The personal service you’d expect through any of our branches or Client Service Center.

Compare Direct Banking™ to the other checking accounts available at Sandy Spring Bank! Or stop in to any branch and find the account that’s right for you!

About the Account
Monthly Maintenance Fee: $4.95 (Waived if you are under 25 years of age or, if you complete qualifying direct deposits4 of $250 or more during the statement cycle, or a minimum of 4 debit card purchase transactions totaling $50 or more are posted during the statement cycle.)
Overdraft and NSF Fee per Item: No overdraft or NSF fees.1
Fee for making more than 4 transactions during the statement cycle at a Non-Sandy Spring Bank ATM or Non Allpoint Network ATM: $2.50 per withdrawal, balance inquiry or transfer.3

Get Started Today: Apply online, visit a branch or call 800.399.5919.

Compare Direct Banking™ to the other checking accounts available at Sandy Spring Bank!

  • Disclosure

    1In most cases, if you do not have enough available funds in your Direct Banking™ account to cover a transaction, Sandy Spring Bank will decline or return the transaction; however, Sandy Spring Bank may authorize an overdraft payment in its sole discretion. You will not be charged a fee for a declined or returned transaction or an overdraft payment in connection with a Direct Banking™ account.
    2 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
    3 The fee for a transaction 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 also charge a fee.
    4 The direct deposit must originate from a paycheck, pension, social security or other monthly income electronically deposited. Transfers from one account to another or deposits made at the branch or ATM do not qualify as direct deposits.

    Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    All other trademarks and service marks are owned by their respective owners.