For quick, paperless deposits and payments, it’s best to be direct.

Whether you’re looking for a more efficient way to bank or opening your first account, Direct Banking™ gives you full control of your funds with ease and security. 

Pay bills and make deposits on the go, quickly and safely. Direct Banking™ gives you all the benefits of checking, but in a seamless, all-digital account with no overdraft fees.1 

What you’ll get with Direct Banking™:

  • Free debit Mastercard®
  • Online banking with bill pay
  • Secure mobile banking with mobile deposit
  • Access to Zelle®to easily send money to friends and family2
  • Account alerts to help you manage your account
  • Apple Pay, Samsung Pay and Android Pay
  • Access to more than 55,000 Allpoint ATMs

What you won’t get with Direct Banking:

  • Overdraft fees1
  • Inactivity fees
  • Paper statements
  • Checks to write

Looking for another option?
Check out My Free Banking.

Apply Now. »

To open a Direct Banking™ checking account.

Talk to a Professional. »

Start a conversation with a Sandy Spring Banker.

Personalized banking for our neighbors in every community. 

With over 50 locations, Sandy Spring Bank offers a broad range of commercial and retail banking, mortgage, private banking, and trust services throughout Maryland, Northern Virginia, and Washington, D.C. Through our subsidiaries, West Financial Services, Inc., and Rembert Pendleton Jackson (RPJ), we also offer a comprehensive line of wealth management services. The bank offers online and mobile banking products for businesses and individuals at every stage of life, and through an affiliation with the Allpoint ATM network, clients have free nationwide ATM access at more than 55,000 locations.

In life and in business, banking is personal.

Every stage of life and business makes its own demands of you. Our wide collection of personal and banking products and services are designed to address the concerns and questions you have, and provide options you might not have thought possible.

See what our clients are saying.

Sandy Spring Bank Direct Banking BankOn National Account Standards 2021=2022 Approved certified since September 2022 Cities for Financial Empowerment Fund