Advance Banking™

Happy family walking. Sandy Spring Bank Advance Banking.

Earn 3.50% APY* for the first six months.

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Put your money to work and start earning 3.50% APY* for the first six (6) months guaranteed with Advance Banking. Not only will you enjoy this industry-leading rate1, easy access to funds and the security of FDIC insurance, but you'll also unlock these top-tier benefits:

  • No-fee access to more than 55,000 ATMs through the Allpoint Network
  • Free World Debit Mastercard®
  • Access to the newly upgraded Personal Online and Mobile Banking experience
  • State-of-the-art digital tools to help make budgeting, tracking and fraud protection easier than ever
  • Locally-based client support
  • Enhanced Bill Pay service within Personal Digital Banking
  • Complimentary credit score and report through Credit Score in Personal Digital Banking

Advance Banking is a premium checking account designed for people on the move, who want to get more out of their traditional checking. Isn't it time your money started working smarter AND harder?

Get Started Today!

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  • Disclosure

    1The national average interest rate for checking accounts as posted on FDIC.gov on the National Rates and Rate Caps page, as of 11/06/2024.

    Advance Banking™ requires a minimum opening deposit of $50. There is a $50 monthly maintenance fee, which is waived in any monthly evaluation period during which you meet the following criteria:

    •    Maintain a $2,500 average monthly balance in the account; and
    •    Establish or maintain direct deposit into the account of at least $250 per monthly evaluation period.

    The monthly evaluation period means the date that is three (3) business days prior to the beginning of a statement cycle to the date that is three (3) business days prior to the ending of a statement cycle.

    Notwithstanding the foregoing, we will not charge a monthly fee during the first monthly evaluation period after account opening.

    *Annual Percentage Yield (APY) is accurate as of 11/06/2024. During the first six (6) months after you open an account, the account will earn no less than 3.50% APY. At the end of the 6-month period, the APY will be based upon the standard rate offered for this account. As of 11/06/2024, the standard rate is 1.50% APY. This is a variable rate account and the rate may change at any time without notice, except as otherwise set forth herein. Please review the Personal Deposit Account and Electronic Banking Agreement and applicable fee schedule for additional provisions and conditions that apply to this account.

    ©2024 Mastercard. Mastercard, Debit Mastercard and the Mastercard brand marks are trademarks of Mastercard International Incorporated.