Senior Interest Banking

Man kissing woman's temple. Sandy Spring Bank.

You've worked hard, isn't it time your checking account worked hard too? 

For those 55+, there's Senior Interest Banking, an account designed for you and your financial needs. Earn interest on your checking with NO minimum balance requirement, NO direct deposit requirement and NO monthly maintenance fees. 

Get Started Today

Apply online visit a branch 

Benefits
  • Free standard checks with our preferred provider or a $10 discount on other check styles.
  • Unlimited check writing.
  • Access to Zelle® to send money to nearly anyone you know and trust.1
  • Free digital banking with bill pay.
  • Free mobile banking with mobile deposit.
  • Free Sandy Spring Bank Debit MasterCard®.
  • Overdraft Protection is available by linking a savings, money market or line of credit (if qualified) to your account.
  • Access to 55,000 Surcharge-free ATMs in the Allpoint(R) network.2
  • Personal loan discounts with direct debit (if qualified).

Age may just be a number, but if you're 55+ it means access to Senior Interest Banking - free checking that's really free.

Get Started Today: Apply online, visit a branch or call 800.399.5919.

  • Disclosure

    Senior Interest Banking requires a minimum opening deposit of $50. Available for personal use to consumers age 55 or older. The interest rate and annual percentage yield may change at our discretion. Interest is compounded daily and credited monthly. Higher interest rates may be earned on your entire collected balance in Senior Interest Banking on any day it is in the following tier: $2,500 or more.

    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 and press 3, 1 for our Client Service Center, or visit any of our branches.

    1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

    2The owner of the machine may charge a fee.

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

    Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

    Wealth products are not FDIC insured, not guaranteed, and may lose value.

    Sandy Spring Bank and the SSB logo are registered trademarks of Sandy Spring Bank.