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.

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


  • Interest earned on your checking account balance
  • Free standard checks, or a $10 discount on other check styles
  • Unlimited check writing
  • 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 account1
  • Personal loan discounts with direct debit (if qualified)
  • Opening deposit of only $50 to start enjoying all of the benefits


​​Monthly Maintenance Fee

​​Balance Requirement



Fee Type Fee
Overdrafts and NSF Items: Returned* $37
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** $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.

    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.