Student Banking

No minimum balance and no monthly maintenance fees. That’s what college students need and that’s what they get at Sandy Spring Bank. And if you accidentally overdraw your account, we’re here to help.

Simplify your life with all these Student Banking services:

  • Free checking account
  • No minimum balance, no monthly service fee
  • Free and secure mobile banking with mobile deposit 
  • Free Sandy Spring Bank Debit MasterCard® for anytime, anywhere purchases
  • Free online banking with free bill pay
  • Access to more than 55,000 ATMs with no surcharge
  • Transfers to and from accounts at other financial institutions
  • Free electronic statements
  • Free regular savings account
  • One overdraft fee refunded per calendar year1
  • Two free ATM transactions per statement when you use a non-Sandy Spring Bank or non-Allpoint ATM 2
Monthly Maintenance Fee Balance Requirement
$0

$0

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.
Paper Statements (optional) $2.00 per monthly statement.

Open your Student Banking account with as little as $25 TODAY! You can do it in minutes online or at one of our community offices.

Apply Now

  • Disclosure

    1 To receive a refund of the Overdraft Fee you must contact the Client Service Center at 800.399.5919 or through secure email in online banking.

    2 Other bank may charge a fee. Open Now, call 800.399.5919, press 4, or visit a Maryland, Washington, D.C. or Virginia Community Office.

    *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 $5.00 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).

    **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 community offices.

    © 2017 MasterCard. MasterCard, Debit MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated.