Premier Banking

Free standard check orders, surcharge-free ATM transactions1, discounts on many banking services, and earning interest—that’s Premier Banking.

To open an account: Open Now, call 800.399.5919, or visit a convenient branch.


All of these benefits come with your Premier Banking Checking Account:2

  • Earn interest on your checking balance
  • Free standard checks or a $10 discount on other check styles
  • Free online banking with bill pay
  • Free mobile banking with mobile deposit
  • Free Sandy Spring Bank World Debit MasterCard®
  • No Sandy Spring Bank fees when you use a non-Sandy Spring Bank or non-Allpoint ATM2
  • Up to 4 surcharge-free ATM transactions with a maximum $12 refund per month
  • No fee for stop payments
  • No fee for domestic incoming wires
  • Free financial checkup
  • Free official bank cashier’s checks
  • Free electronic or paper statements
  • Free transfers from savings to cover overdrafts
  • Premier Money Market Savings account (optional companion savings account)
  • Discount on personal installment loans (if qualified)
  • No annual fee Preferred Plus line of credit (if qualified)
  • 50% discount on annual safe box rental (one box per account)

About the Account

​​Monthly Maintenance Fee ​​Balance Requirement

$14 monthly maintenance fee. This fee is waived in any monthly evaluation period you maintain a $15,000 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. 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.

​​Fee Type ​​Fee
Overdrafts and NSF Items: Returned* $37
Extended Overdrafts $5 per day when an account remains overdrawn for more than 7 days.
Non-Sandy Spring Bank ATM** Up to 4 surcharge free ATM transactions with a maximum $12 refund per month
  • Disclosure

    1 Up to 4 transactions with a maximum $12. If you are assessed an ATM surcharge fee by the owner of the machine, we will credit your Premier Banking account for the surcharge fee. Surcharge refund does not apply to interchange fees on international transactions.

    2 Other bank may charge a fee.

    *A 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 after we finish processing for the day.

    When we determine that your account is overdrawn by a total amount of $5 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, electronic 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).

    **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 Sandy Spring Bank. Mastercard is a registered trademark and Debit Mastercard and the Circles Design are trademarks of Mastercard International Incorporated.