Apple Pay™

Shop on-the-go with Apple Pay

It’s easy to add your Sandy Spring Bank Debit Mastercard® to Apple Pay to conveniently make purchases with your compatible iPhone, iPad or Apple Watch.

What is Apple Pay?

Apple Pay is a mobile wallet that allows you to make purchases at participating merchants with virtual cards on your compatible iPhone, iPad or Apple Watch device, both in-person, and while shopping on your iPhone and eligible iPad devices. You continue to receive all the rewards, benefits and protections your card provides. See our frequently asked questions (FAQs) below.

How do I get started?

Add your Sandy Spring Bank debit cards to the Wallet® on your iPhone. It’s as easy as taking a picture of your debit card!

Look for the contactless symbol whenever you shop. Simply unlock your device and hold it near the terminal to pay. When you make purchases with Apple Pay, a virtual account number is used to represent your account information. So your actual debit or credit card numbers are never shared by Apple with merchants or transmitted with payment. Plus your Sandy Spring Bank Debit Mastercard comes with Zero Liability* coverage for added protections against identity theft.

Now paying in stores happens in one natural motion — there’s no need to open an app or even wake your display to pay, just hold your iPhone near the contactless reader with your finger on Touch ID. You don’t even have to look at the screen to know your payment information was successfully sent. A subtle vibration and beep let you know.

Where is Apple Pay accepted?

Use Apple Pay in these stores or look for these icons at the register when making your purchase.

 

Apply Pay logo

We’re here to help: Please call our Client Service Center at 800.399.5919 with any questions.

*If the card is lost or stolen, the Mastercard Zero Liability program protects against unauthorized purchases. See www.mastercard.us/zero-liability for full terms and conditions. Certain restrictions apply.

 

Frequently Asked Questions (FAQs)

  • Question

    How do I add my physical credit or debit card to Apple Pay?
    Answer

    To add a card on an iPhone or iPad, go into Settings, open Wallet® & Apple Pay, and select “Add Credit or Debit Card.” On iPhone, you can open Wallet, then swipe down and tap the plus sign. From there, use your iPhone’s camera to enter the card information or type it in manually. If you already have credit and debit cards in your iTunes account, you can add those to Wallet by simply entering the card security code. The card security code is a 3-digit code on your card. Keep in mind the first card you store in Wallet is your default payment card, but you can always change that in Settings. Consider making your Sandy Spring Bank Debit Mastercard® your default card.

    For more information on adding your credit or debit cards, or compatible devices please visit the Apple Pay page.

    Apple App Store

  • Question

    Why am I being asked to call Sandy Spring Bank to verify my card?
    Answer

    This is just an extra security step from Apple. Simply call the number provided so we can verify your card. Then look for a Wallet message letting you know your card is ready for Apple Pay.

  • Question

    What is a Device Account Number?
    Answer

    Apple refers to the digital form of credit and debit cards as the Device Account Number.

  • Question

    Does Sandy Spring Bank protect my virtual cards?
    Answer

    Yes. Just like your physical credit and debit cards, your virtual credit and debit cards are covered by zero liability protection. The zero liability protection** covers fraudulent purchases and payments made by others using your physical or virtual credit and debit cards. If you suspect unauthorized use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.

    You should receive access to funds by the next business day in most cases, pending resolution of your claim. Please consult your customer and account agreements for full details.

  • Question

    What is a virtual card?
    Answer

    Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Apple PayTM, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Apple Pay.

  • Question

    Will merchants receive my physical card number?
    Answer

    Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.

    Please note: Mastercard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

  • Question

    Which Sandy Spring Bank debit cards are eligible for Apple PayTM?
    Answer

    You can add your Sandy Spring Bank personal and business debit cards including HSA debit cards. ATM-only cards cannot be added.

  • Question

    What type of device do I need to use Apple PayTM?
    Answer

    At this time, Apple Pay works on iPhone models with Face ID, iPhone models with Touch ID, except for the iPhone 5s. It also works with iPad Pro, iPad Air, iPad, iPad mini models with Touch ID or Face ID. You can use Apple Pay with compatible iPhones and  iPad for purchases and payments: In stores, Within Apps or On the web in Safari, wherever Apple Pay is accepted.

    Please visit Apple for a current list of supported devices.

    Apple App Store

  • Question

    Will all merchants accept Apple PayTM?
    Answer

    No. Not all merchants have adopted this technology. Please continue to carry your physical cards to use where Apple Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments.

  • Question

    Will the card image in Apple PayTM match my physical card?
    Answer

    No. The card image won’t be an exact match. Keep in mind this doesn’t affect how your cards work with Apple PayTM.

  • Question

    Does Wallet show my Sandy Spring Bank debit card transactions?
    Answer

    Wallet displays the time or date of the last Sandy Spring Bank debit card purchase you made with Apple PayTM, but it won’t display all your purchase details. For a complete view of all your Sandy Spring Bank debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

  • Question

    If I erase my iPhone, does that cancel my physical cards or can I continue to use them? 
    Answer

    Erasing the information on your iPhone will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your iPhone will delete the virtual cards from Apple Pay and they can no longer be used. You can add your credit and debit cards back into Apple Pay at any time.

  • Question

    What if my iPhone is lost or stolen? 
    Answer

    While we hope your phone is never lost or stolen, it’s a good idea to download Apple’s Find My iPhone app before that happens. You can use the app to quickly place your device in Lost Mode so your information is not accessible, or you can remotely erase your iPhone. Please note: Find My iPhone must be enabled in iCloud settings on your device before you can locate it with this app.

    If you can’t download the Find my iPhone app or can’t disable Apple Pay using your iCloud account from another device, you should cancel your physical debit or credit cards which will delete your virtual cards from Apple Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

  • Question

    What if my Sandy Spring Bank Bank Debit Card is lost or stolen?
    Answer

    Please call 301.774.6400 or 800.399.5919 and press 2 for our Client Service Center. One of our representatives will block your old card and order you a new one. 

    After hours, or on non-business days, please call 800.236.2442 to have your card blocked. On the next business day, please contact our Client Service Center to order a replacement card. You may also request your replacement card using our secure message feature through personal online banking.

  • Disclosure

    Apple, Apple Watch, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android and the Android Logo are trademarks of Google Inc. Samsung is registered trademark of Samsung Electronics Co., Ltd.

    *If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. Certain restrictions apply. Please see www.mastercard.us/zero-liability.html for terms and conditions.

    ©2023 Sandy Spring Bank. Mastercard is a registered trademark and Debit Mastercard and the Circles Design are trademarks of Mastercard International Incorporated.