Student Banking

Woman student holding pencil in class. Sandy Spring Bank.Free Checking, Free Financial Learning Tools and a $25 Bonus.*

Most financial learning happens outside the classroom. From online resources for financial literacy to helpful advice from our dedicated bankers, we’re here to help you gain a solid understanding of your finances. A free Student Banking account is a great way to start building experience and confidence in managing your money.

 About Student Checking

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! Visit one of our convenient branches to open your account.


Simplify your life with all these Student Banking services:

  • Free checking account
  • No monthly minimum balance requirement, 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 cycle when you use a non-Sandy Spring Bank or non-Allpoint ATM2


​​Monthly Maintenance Fee

​​Balance Requirement



Fee Type Fee
Overdrafts and NSF Items: Returned3 $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 thereafter.
Paper Statements (optional) $2.00 per monthly statement.
The $tation: Financial Wellness 101

Also, it's never too early to develop smart money habits. Explore an easy way to get started and gain greater financial confidence on our free financial education platform, The $tation.

Complete the Student Banking Playlist to learn about:

  • Healthy financial habits
  • Creating a budget
  • Credit cards

Get Started

To open an accountCall 800.399.5919 or visit a convenient branch.

  • Disclosure

    *Student Banking is available to students under the age of 25. Must present a valid student ID or a bill or receipt from the institution the student attends. If the student is under the age of 18, the account must be opened as a joint checking account with a parent or guardian. To receive the $25 bonus, open a Student Banking checking account and mention the offer when you call our client service center or visit our branches between May 16, 2022 and June 30, 2022, and order a Sandy Spring Bank Debit card and enroll in estatements by the end of your second statement cycle. Bonus will be deposited within 95 days of account opening into the checking account meeting the bonus requirements. Your account must be open and in good standing at the time the bonus is credited. All applicable taxes are the sole responsibility of the recipient. Limited time offer available only to individuals who currently do not have a personal checking account with Sandy Spring Bank or have not had one within the last 90 days. Offer subject to change and cancellation without notice and cannot be combined with any other offer.

    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.

    2Other bank(s) may charge a fee.

    3A 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 for our Client Service Center, or visit any of our branches.

    Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.