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 community office.

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

  • 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
  • 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)

Monthly Maintenance Fee

Balance Requirement


$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.

Fee Type


Overdrafts and NSF Items: Returned*


Extended Overdrafts

$5 per day when an account remains overdrawn for more than 7 days.

Stop Payment

$32 for checks or pre-authorized debits and Notice of Postdating.

Non-Sandy Spring Bank ATM**

Up to 4 surcharge free ATM transactions with a maximum $12 refund per month

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