Senior Interest Banking

Good things come with age. For those in our community who are at least 55 years of age — there's a checking account designed just for you. There’s no minimum balance or direct deposit requirement, and no monthly fee. With Senior Interest Banking, you’ll get these other perks, too.

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


  • Interest earned on your checking account balance
  • Free standard checks, or a $10 discount on other check styles
  • Unlimited check writing
  • Access to Zelle® to send money to nearly anyone you know and trust.1
  • Free online banking with bill pay
  • Free mobile banking with mobile deposit
  • Free telephone banking
  • Free Sandy Spring Bank Debit MasterCard®
  • 55,000 Surcharge-free ATMs in the Allpoint network
  • Free financial checkup
  • Free electronic or paper statements
  • Overdraft Protection is available by linking a savings, money market or line of credit (if qualified) to your account
  • Personal loan discounts with direct debit (if qualified)
  • Opening deposit of only $50 to start enjoying all of the benefits

About the Account

​​Monthly Maintenance Fee

​​Balance Requirement



Fee Type Fee
Overdraft Fee per Item2 $29
Stop Payment $32 for checks or pre-authorized debits and Notice of Postdating.
Non-Sandy Spring Bank ATM3 $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.