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.

Get Started Today: Apply onlinevisit a branch or call 800.399.5919.


Get Started Today: Apply onlinevisit a branch or call 800.399.5919.

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


About the Account
Monthly Maintenance Fee: $0
Overdraft Fee2 per Item: $29
Stop Payment Fee: $32 for checks or pre-authorized debits and Notice of Postdating
Fee3 for using a Non-Sandy Spring Bank ATM or Non Allpoint Network ATM: $2.50 per withdrawal, balance inquiry or transfer


  • 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.

    2We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them.  If we overdraw your account to pay items on one or more occasions, we are not obligated to continue paying future insufficient funds items.  We may pay all, some or none of your overdrafts, without notice to you.  If we do not authorize and pay an overdraft, then we decline or return the transaction unpaid.

    We authorize and pay overdrafts for the following types of transactions: checks and other transactions made using your checking account number and automatic bill payments. When we determine that your account is overdrawn by a total amount of $5.00 or more after we finish processing for the day, an overdraft fee of $29 will apply to each withdrawal or item paid.  We will charge no more than three (3) overdraft fees in any one day.  We do not charge an overdraft fee when we determine that your account is overdrawn by a total amount less than $5.00 after we finish processing for the day. 

    We do not authorize and pay overdrafts for ATM transactions and everyday debit card transactions, unless you ask us to do so. If you do not opt-in, any ATM or one-time debit card transactions that would result in an overdraft will be declined or returned unpaid.  

    We do not charge a fee for a declined or returned transaction.  The merchant for the transaction may charge a fee.

    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.

    © 2023 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of MasterCard International Incorporated.