My Free Banking

My Free Banking has redefined checking – there is no monthly fee and no requirements. Plus you receive all of these free services to make it convenient and easy to do your banking. Open your account with as little as $25 and start enjoying all of these cost savings benefits. Open an account today!


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Compare My Free Banking to the other Checking accounts available at Sandy Spring Bank!

Select Fees
Monthly Maintenance Fee: $0
Overdraft and NSF Fee2 per Item: $37
Extended Overdraft Fee: $5 per day when an account remains overdrawn for more than 7 days
Fee3 for using a Non-Sandy Spring Bank ATM or Non Allpoint Network ATM: $2.50 per withdrawal, balance inquiry or transfer

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  • Disclosure

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

    1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

    2A withdrawal or an order presented for payment that would overdraw an account or is drawn against unavailable funds.

    We do not charge the Overdraft Fee on your account when we determine that your account is overdrawn by a total amount less than $5.00 after we finish processing for the day.

    When we determine that your account is overdrawn by a total amount of $5.00 or more, a $37 fee will apply to each withdrawal or order paid or returned. Daily maximum limited to five items. The types of withdrawals or Orders subject to an overdraft, NSF Return or UAF fee include negotiable orders of withdrawal, checks, substitute checks, electronified checks, “counter/in-person” withdrawals, drafts, ATM withdrawals, point of sale purchases, ACH withdrawals, online banking and telephone banking withdrawals, other orders, other items, and other withdrawals or transfer requests used to transfer or withdraw funds out of your Account by any means (subject to availability and any withdrawal limitations or penalties for your Account).

    3The 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.

    For other fees applicable to your account, please view our Personal Fee Schedule. For additional terms and conditions, please view our Personal Deposit Account and Electronic Banking Agreement, Product Sheet, and our Rate Sheet. To request a copy of any of these documents, please call 800.399.5919 and press 3, 1 for our Client Service Center, or visit any of our branches.

    © 2022 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.