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.

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.

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


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 free ATM transactions per statement cycle when you use a non-Sandy Spring Bank or non-Allpoint ATM2.  $2.50 per withdrawal, balance inquiry, or transfer thereafter2.
Paper Statements (optional) $2.00 per monthly statement.
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