Direct Banking

Two women and one man enjoying coffee at an outdoor cafe. Direct Banking. Sandy Spring Bank.

Direct Banking™ is a checking account that provides many of the banking services you've come to expect, all online.  

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Please click here if you're looking for Personal Digital Banking. 

Need checking but don't need the hassle of a traditional account? Direct Banking™ is the easy way to set up a checking account quickly but with the same high level of service, access and security you expect. Perfect if you’re a student, enjoy low minimum opening deposit and no minimum balance — Direct Banking™ is the easy and efficient way to bank.

Other features include:
  • Full access to mobile and online banking
  • No overdraft or NSF fees1
  • No check writing
  • Sandy Spring Bank Debit Mastercard®
  • Access to Zelle® to securely send money to people you know and trust2
  • Unlimited use of Sandy Spring Bank ATMs as well as the 55,000 no-fee ATMs in the Allpoint network3
  • Personalized, locally-based service through one of over 50 branches or Client Service Center at 800.399.5919
Sandy Spring Bank Direct Banking BankOn National Account Standards 2023-2024 Approved certified since September 2022 Cities for Financial Empowerment Fund

 


Not sure which checking account is for you? Use our comparison tool!
 

 If you’re ready to go Direct, apply today. 

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  • Disclosure

    Direct Banking™ has a $4.95 monthly maintenance fee. Sandy Spring Bank will waive this fee if (i) the primary account owner is under the age of 25 OR (ii) during the monthly statement cycle qualifying direct deposits of at least $250.00 occur OR (iii) during the monthly statement cycle four (4) posted debit card purchase transactions totaling at least $50.00 are made. The direct deposit must originate from a paycheck, pension, social security or other monthly income electronically deposited. Transfers from one account to another or deposits made at the branch or ATM do not qualify as direct deposits. Check writing is not a feature of this account. 

    1In most cases, if you do not have enough available funds in your Direct Banking account to cover a transaction, Sandy Spring Bank will decline or return the transaction; however, Sandy Spring Bank may authorize an overdraft payment at its sole discretion. You will not be charged a fee for a declined or returned transaction or an overdraft payment in connection with a Direct Banking account.

    2 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    3 There is a fee for a transaction made at ATMs that are not owned by Sandy Spring Bank or are not part of the Allpoint ATM network. The fee is $2.50 per withdrawal, balance inquiry or transfer. The owner of the machine may also charge a fee.

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