PERSONAL & BUSINESS BANKING Sandy Spring Bank has the personal Banking products & services to meet your needs. Free online & mobile banking, checking, savings, investing

and more.

PERSONAL BANKING

Access your accounts on any of your devices with our mobile app. Get started. Featured Personal Services. Online Banking. Mobile Banking. Mortgages. Checking. Debit Cards. Savings.

ONLINE BANKING

Bill Pay. From your mortgage payment to your cable bill, pay virtually anyone for free. Pay a bill by 10 p.m. ET, Monday through Friday, and any biller who accepts electronic payments will have your payment the next business day. Those who do not accept electronic payments will typically receive payment within four business days. PAYCHECK PROTECTION PROGRAM (PPP) PORTAL FAQS A: Sandy Spring Bank’s application portal opened on January 19, 2021. All existing PPP borrowers received an email with a link to the portal to apply. Log in utilizing the link you received. You’ll then see the dashboard. Click “Marketplace” on the left and then click “Apply” for a new PPP loan. If you have previously applied for

CREDIT CARDS

Cardmember Service available 24 hours a day/365 days per year. Plus much more! You can also visit one of our convenient branch locations to learn more or apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS Based on the Paycheck Protection Program Flexibility Act of 2020 signed into law on 6/5/20, at least 60% of the PPP Loan must be spent on "Eligible payroll costs" and up to 40% can be spent on "Eligible nonpayroll costs". Eligible Payroll Costs. Compensation to employees. Employer contributions for employee health insurance.

MORTGAGE PORTAL

Sandy Spring Bank 17801 Georgia Avenue, Olney, MD 20832 800.399.5919 BANKXPRESS | SANDY SPRING BANK Sandy Spring Bank and From here. For here. are registered trademarks of Sandy Spring Bank. Real Life Requires Real Banking.℠ Real banking

for real life.�

PPP LOAN APPLICATION PORTAL INSTRUCTIONS If you have never logged into the Sandy Spring Bank PPP loan application portal, if you’ve forgotten your password, or if it has been more than 90 days since you logged into the portal, PERSONAL FEE SCHEDULE Effective July 7, 2017 ∙ Member FDIC Page 1 of 2 PERSONAL FEE SCHEDULE Fees Charged on All Accounts (unless noted) All fees are on a per item or transaction basis unless noted and are in addition to specific product fees which are listed PERSONAL & BUSINESS BANKING Sandy Spring Bank has the personal Banking products & services to meet your needs. Free online & mobile banking, checking, savings, investing

and more.

PERSONAL BANKING

Access your accounts on any of your devices with our mobile app. Get started. Featured Personal Services. Online Banking. Mobile Banking. Mortgages. Checking. Debit Cards. Savings.

ONLINE BANKING

Bill Pay. From your mortgage payment to your cable bill, pay virtually anyone for free. Pay a bill by 10 p.m. ET, Monday through Friday, and any biller who accepts electronic payments will have your payment the next business day. Those who do not accept electronic payments will typically receive payment within four business days. PAYCHECK PROTECTION PROGRAM (PPP) PORTAL FAQS A: Sandy Spring Bank’s application portal opened on January 19, 2021. All existing PPP borrowers received an email with a link to the portal to apply. Log in utilizing the link you received. You’ll then see the dashboard. Click “Marketplace” on the left and then click “Apply” for a new PPP loan. If you have previously applied for

CREDIT CARDS

Cardmember Service available 24 hours a day/365 days per year. Plus much more! You can also visit one of our convenient branch locations to learn more or apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS Based on the Paycheck Protection Program Flexibility Act of 2020 signed into law on 6/5/20, at least 60% of the PPP Loan must be spent on "Eligible payroll costs" and up to 40% can be spent on "Eligible nonpayroll costs". Eligible Payroll Costs. Compensation to employees. Employer contributions for employee health insurance.

MORTGAGE PORTAL

Sandy Spring Bank 17801 Georgia Avenue, Olney, MD 20832 800.399.5919 BANKXPRESS | SANDY SPRING BANK Sandy Spring Bank and From here. For here. are registered trademarks of Sandy Spring Bank. Real Life Requires Real Banking.℠ Real banking

for real life.�

PPP LOAN APPLICATION PORTAL INSTRUCTIONS If you have never logged into the Sandy Spring Bank PPP loan application portal, if you’ve forgotten your password, or if it has been more than 90 days since you logged into the portal, PERSONAL FEE SCHEDULE Effective July 7, 2017 ∙ Member FDIC Page 1 of 2 PERSONAL FEE SCHEDULE Fees Charged on All Accounts (unless noted) All fees are on a per item or transaction basis unless noted and are in addition to specific product fees which are listed SANDY SPRING BANK BRANCHES Branch. Phone. Address. Drive-Thru. Status. 19th Street » 202.331.7031. 1146 19th St NW Washington DC 20036 | Hours » No. Open. 40 West » 240.397.7844. 1003 West

CREDIT CARDS

Cardmember Service available 24 hours a day/365 days per year. Plus much more! You can also visit one of our convenient branch locations to learn more or apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS Based on the Paycheck Protection Program Flexibility Act of 2020 signed into law on 6/5/20, at least 60% of the PPP Loan must be spent on "Eligible payroll costs" and up to 40% can be spent on "Eligible nonpayroll costs". Eligible Payroll Costs. Compensation to employees. Employer contributions for employee health insurance. PPP LOAN APPLICATION PORTAL INSTRUCTIONS If you have never logged into the Sandy Spring Bank PPP loan application portal, if you’ve forgotten your password, or if it has been more than 90 days since you logged into the portal, INFORMATION FOR PAYCHECK PROTECTION PROGRAM (PPP The U.S. Treasury Department has stated that the SBA will audit every PPP loan of more than $2 million, and audits of those loans must be completed before PPP loans will be forgiven. If SBA determines in the course of its review that a borrower lacked an adequate basis for the required certification concerning the necessity of the loan request 7-MONTH PROMOTIONAL CD Give your savings a boost. Open a 7-Month Promotional CD and get that much closer to reaching your goals, whether it’s a dream vacation, a rainy-day fund or saving for your retirement.*. Just stop by any of our community offices, call 800.399.5919 or open online now. 7-Month

Promotional CD.

HOME MORTGAGES

As your hometown lender, Sandy Spring Bank is here to help you with all aspects of this important decision. You’ll work one-on-one with an experienced professional who can help get you prequalified, so that you have financing in place. Then as soon as you find your dream home, you’ll be ready to make an immediate and serious offer, backed PPP LOAN FORGIVENESS APPLICATION PORTAL INSTRUCTIONS PORTAL INSTRUCTIONS The Personal Info page, like most of the application pages, has multiple parts: 1. The application pages 2. Fields to be completed – those marked in red are required and must be completed in order to move to the

PAY SOMEONE P2P

Pay Someone (P2P) is an online and mobile banking feature which allows users with an active debit Mastercard to generate a payment to someone using their mobile phone number or email address. A link is instantly sent to the recipient, who enters their debit card information to accept the transfer. If the recipient’s card is not setup by their financial institution to accept these transfers BUSINESS ACCOUNTS & BENEFICIAL OWNERSHIP RULE Business Accounts & Beneficial Ownership Rule. The U.S. Treasury Department finalized a regulation requiring financial institutions to obtain, verify and record information about the beneficial owners of legal entity customers. One of the main reasons for this regulation is that legal entities can be used to disguise involvement in various PERSONAL & BUSINESS BANKING Sandy Spring Bank has the personal Banking products & services to meet your needs. Free online & mobile banking, checking, savings, investing

and more.

PERSONAL BANKING

Access your accounts on any of your devices with our mobile app. Get started. Featured Personal Services. Online Banking. Mobile Banking. Mortgages. Checking. Debit Cards. Savings.

ONLINE BANKING

Bill Pay. From your mortgage payment to your cable bill, pay virtually anyone for free. Pay a bill by 10 p.m. ET, Monday through Friday, and any biller who accepts electronic payments will have your payment the next business day. Those who do not accept electronic payments will typically receive payment within four business days. BUSINESS | SANDY SPRING BANK The flexibility and tools you need to stay on top of your cash flow. When you’re running a business, there’s no such thing as “undivided attention.” That’s why Flex Business Checking Plus makes managing your cash flow one less thing

CREDIT CARDS

Cardmember Service available 24 hours a day/365 days per year. Plus much more! You can also visit one of our convenient branch locations to learn more or apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa

MORTGAGE PORTAL

Sandy Spring Bank 17801 Georgia Avenue, Olney, MD 20832 800.399.5919 PERSONAL & BUSINESS BANKING Sandy Spring Bank has the personal Banking products & services to meet your needs. Free online & mobile banking, checking, savings, investing

and more.

PERSONAL BANKING

Access your accounts on any of your devices with our mobile app. Get started. Featured Personal Services. Online Banking. Mobile Banking. Mortgages. Checking. Debit Cards. Savings.

ONLINE BANKING

Bill Pay. From your mortgage payment to your cable bill, pay virtually anyone for free. Pay a bill by 10 p.m. ET, Monday through Friday, and any biller who accepts electronic payments will have your payment the next business day. Those who do not accept electronic payments will typically receive payment within four business days. BUSINESS | SANDY SPRING BANK The flexibility and tools you need to stay on top of your cash flow. When you’re running a business, there’s no such thing as “undivided attention.” That’s why Flex Business Checking Plus makes managing your cash flow one less thing

CREDIT CARDS

Cardmember Service available 24 hours a day/365 days per year. Plus much more! You can also visit one of our convenient branch locations to learn more or apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa

MORTGAGE PORTAL

Sandy Spring Bank 17801 Georgia Avenue, Olney, MD 20832 800.399.5919 PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS Based on the Paycheck Protection Program Flexibility Act of 2020 signed into law on 6/5/20, at least 60% of the PPP Loan must be spent on "Eligible payroll costs" and up to 40% can be spent on "Eligible nonpayroll costs". Eligible Payroll Costs. Compensation to employees. Employer contributions for employee health insurance. PPP LOAN APPLICATION PORTAL INSTRUCTIONS If you have never logged into the Sandy Spring Bank PPP loan application portal, if you’ve forgotten your password, or if it has been more than 90 days since you logged into the portal, BANKXPRESS | SANDY SPRING BANK Sandy Spring Bank and From here. For here. are registered trademarks of Sandy Spring Bank. Real Life Requires Real Banking.℠ Real banking

for real life.�

7-MONTH PROMOTIONAL CD Give your savings a boost. Open a 7-Month Promotional CD and get that much closer to reaching your goals, whether it’s a dream vacation, a rainy-day fund or saving for your retirement.*. Just stop by any of our community offices, call 800.399.5919 or open online now. 7-Month

Promotional CD.

EBIZ ONLINE BANKING

Convenient and secure, ebiz is a powerful cash management tool that gives you control over your business finances. From reviewing Sandy Spring Bank account balances to paying your employees with direct deposit, ebiz most importantly keeps your business information safe

and secure.

OUR MISSION

Our Mission. To add value to the communities we serve by enriching the lives of our clients, employees and shareholders. In order to fulfill our mission, we promise to be a financial advocate and deliver the best possible solutions through a consistently remarkable experience – without exception. CERTIFICATES OF DEPOSIT Certificates of Deposit. Sandy Spring Bank has a variety of FDIC insured CDs to meet your savings needs and performance is guaranteed when you lock in a competitive fixed interest rate. Our CDs are created for short-term or long-term; small or large investments. All you need to do is select the product and term that works best for you. CONSTRUCTION-TO-PERMANENT LOANS Our Construction-to-Permanent Loan Program provides the financing options that roll it all into one convenient loan. We are here to help you make the right choices for your situation and can help you understand the options, while giving you certainty, savings, convenience, flexibility and more. Download the Construction Package

today! Fair

HAYLEY BECRAFT

Since 1986, Hayley has been involved in the real estate community. She has a background as a Realtor, a Settlement Officer, and for the last 9 years, a mortgage banker. Hayley's well-rounded experience ensures that she understands the entire process and can smooth any potential bumps in the road of getting your loan closed. Making the client happy is always the goal at Sandy Spring and Hayley CLINT KOHLER MORTGAGE BANKER Clint joined Sandy Spring Bank in 2013. He started in Deposit Operations, and he eventually joined the Mortgage team. Clint earned a Bachelor’s of Science in Business Management and a Minor in Marketing from Pennsylvania State University. Clint specializes in Sandy Spring Bank’s First Time Homebuyer Program, FHA, refinancing and other affordable housing loan products. PERSONAL & BUSINESS BANKING Sandy Spring Bank has the personal Banking products & services to meet your needs. Free online & mobile banking, checking, savings, investing

and more.

PERSONAL BANKING

We'll help put together the right mix of savings solutions. Why do you save money? Ultimately, you save for success, however you define it – a down payment on a

ONLINE BANKING

Bill Pay. From your mortgage payment to your cable bill, pay virtually anyone for free. Pay a bill by 10 p.m. ET, Monday through Friday, and any biller who accepts electronic payments will have your payment the

next business day.

BUSINESS | SANDY SPRING BANK The flexibility and tools you need to stay on top of your cash flow. When you’re running a business, there’s no such thing as “undivided attention.” That’s why Flex Business Checking Plus makes managing your cash flow one less thing

PERSONAL CHECKING

Personal checking should be affordable, with convenient access to your money. That’s why every Sandy Spring Bank checking account includes these free services: PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS The CARES Act lists two categories of expenses that are forgivable: "Eligible payroll costs" and "Eligible nonpayroll costs". This means that your PPP loan is forgivable to the extent you spend the proceeds of your loan on these two categories, subject to possible reduction if you reduce the headcount and salaries of employees from pre-Covid-19

levels.

BANKXPRESS | SANDY SPRING BANK Sandy Spring Bank and From here. For here. are registered trademarks of Sandy Spring Bank. Real Life Requires Real Banking.℠ Real banking

for real life.�

CREDIT CARDS

Choosing the right credit card is easier than ever. Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

MORTGAGE PORTAL

Sandy Spring Bank 17801 Georgia Avenue, Olney, MD 20832 800.399.5919

PAY SOMEONE P2P

Pay Someone (P2P) is an online and mobile banking feature which allows users with an active debit Mastercard to generate a payment to someone using their mobile phone number or email address. A link is instantly sent to the recipient, who enters their debit card information to accept the transfer. If the recipient’s card is not setup by their financial institution to accept these transfers PERSONAL & BUSINESS BANKING Sandy Spring Bank has the personal Banking products & services to meet your needs. Free online & mobile banking, checking, savings, investing

and more.

PERSONAL BANKING

We'll help put together the right mix of savings solutions. Why do you save money? Ultimately, you save for success, however you define it – a down payment on a

ONLINE BANKING

Bill Pay. From your mortgage payment to your cable bill, pay virtually anyone for free. Pay a bill by 10 p.m. ET, Monday through Friday, and any biller who accepts electronic payments will have your payment the

next business day.

BUSINESS | SANDY SPRING BANK The flexibility and tools you need to stay on top of your cash flow. When you’re running a business, there’s no such thing as “undivided attention.” That’s why Flex Business Checking Plus makes managing your cash flow one less thing

PERSONAL CHECKING

Personal checking should be affordable, with convenient access to your money. That’s why every Sandy Spring Bank checking account includes these free services: PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS The CARES Act lists two categories of expenses that are forgivable: "Eligible payroll costs" and "Eligible nonpayroll costs". This means that your PPP loan is forgivable to the extent you spend the proceeds of your loan on these two categories, subject to possible reduction if you reduce the headcount and salaries of employees from pre-Covid-19

levels.

BANKXPRESS | SANDY SPRING BANK Sandy Spring Bank and From here. For here. are registered trademarks of Sandy Spring Bank. Real Life Requires Real Banking.℠ Real banking

for real life.�

CREDIT CARDS

Choosing the right credit card is easier than ever. Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

MORTGAGE PORTAL

Sandy Spring Bank 17801 Georgia Avenue, Olney, MD 20832 800.399.5919

PAY SOMEONE P2P

Pay Someone (P2P) is an online and mobile banking feature which allows users with an active debit Mastercard to generate a payment to someone using their mobile phone number or email address. A link is instantly sent to the recipient, who enters their debit card information to accept the transfer. If the recipient’s card is not setup by their financial institution to accept these transfers SANDY SPRING BANK BRANCHES Click on the branch name or hours for more information about the branch. To search for the branch closest to you, visit our locations page.. To protect our clients and employees from the potential impact of the coronavirus, please use a drive-thru, when available, or call

for an appointment.

PERSONAL CHECKING

Personal checking should be affordable, with convenient access to your money. That’s why every Sandy Spring Bank checking account includes these free services:

MY FREE BANKING

1 Transfer charges may apply. *A withdrawal or an order presented for payment that would overdraw an account or is drawn against unavailable funds. We do not charge the Overdraft Fee on your account when we determine that your account is overdrawn by a total

CREDIT CARDS

Choosing the right credit card is easier than ever. Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! SMALL BUSINESS ADMINISTRATION PAYCHECK PROTECTION PROGRAM */ Information current as of April 7. Information current as of April 7, 2021. The Sandy Spring Bank PPP loan forgiveness portal is now open for loans originated in 2020. We are not accepting forgiveness applications for loans originated in 2021 at this time. 7-MONTH PROMOTIONAL CD *Minimum opening deposit is $2,500. Maximum deposit $10,000,000. Penalties for early withdrawal may apply. Annual Percentage Yield (APY) as of 09/30/2020. PAYCHECK PROTECTION PROGRAM (PPP) FORGIVENESS PORTAL FAQS The CARES Act lists two categories of expenses that are forgivable: "Eligible payroll costs" and "Eligible nonpayroll costs". This means that your PPP loan is forgivable to the extent you spend the proceeds of your loan on these two categories, subject to possible reduction if you reduce the headcount and salaries of employees from pre-Covid-19

levels.

HOME MORTGAGES

You’ll work one-on-one with an experienced professional who can help get you prequalified, so that you have financing in place. Then as soon as you find your dream home, you’ll be ready to make an immediate and serious offer, backed by the financing that fits your family’s budget and lifestyle. HEALTH SAVINGS ACCOUNTS An HSA can only be opened in a branch or by phone, 800.399.5919. *All references to tax savings are at a federal level. State taxes vary. Please consult your tax adviser. CERTIFICATES OF DEPOSIT Sandy Spring has a variety of CDs to meet your savings needs, and performance is guaranteed when you lock in high interest rates without

risk.

Skip to main content COVID-19: Client Assistance and Other Important Updates»

TOP LINKS

* About Us

* Locations

* Careers

* Contact Us

* Investor Relations

* News

* Resources

Locations Login to online banking

Personal Login

BANKXPRESS® ONLINE BANKING

Business Login

ebiz

online banking

Company ID

User ID Forgot Company or User ID?

Demo

Resource

Center

Select another service

* Gift Cards

* Credit Cards

* Trust Reporter

Search

800.399.5919 Call Us

Menu

Search

MAIN NAVIGATION

* Personal

* Business

* Wealth

MAIN NAVIGATION

* Personal

* Personal Home

* Banking

* Personal Checking

* Debit Cards

* Online Banking and Bill Pay

* Mobile Banking

* Overdraft Services

* Savings

* Health Savings Accounts

* Banking for Kids

* Credit Cards

* Borrowing

* Mortgages

* Home Equity Loans

* Personal Loans

* Personal Insurance

* Resource Center

* $tation

* Articles

* Blog

* FAQs

* Calculators

* Business

* Business Home

* Banking

* Banking Home

* Checking

* Savings

* ebiz Online Banking

* Borrowing

* Loans and Lines of Credit * Industry Solutions * Industry Solutions Home

* Dental Practices

* Title Advantage

* Veterinary Services * Government Contracting * Government Contractor Lending

* Services

* Treasury Management * Deluxe Payroll Services * Health Savings Accounts

* Insurance

* Resource Center

* $tation

* Articles

* Blog

* Calculators

* FAQs

* Wealth

* Wealth Home

* Meet Your Team

* Private Banking

* Private Banking Home

* Concierge Banking

* Deposit Products and Services * Credit and Lending Solutions

* Seminars

* Contact Us

* Trust Services

* Fiduciary and Estate Planning

* Seminars

* Trust Home

* Contact Us

* Wealth Planning

* Financial Planning * Investment Management

* Seminars

* Contact Us

* Resource Center

TOP LINKS MOBILE

* About Us

* Locations

* Careers

* Contact Us

* Investor Relations

* News

* Resources

Search

WELCOME REVERE BANK CLIENTS

| Learn More >>

Take advantage of our convenient digital services.

Learn More

Sandy Spring Completes Acquisition of Revere Bank

Learn More

We’re here and ready to help. Learn more about our client assistance efforts and status of our

branch operations.

Read More

We’re here and ready to help. Learn more about our client assistance efforts and status of our

branch operations.

Read More

FEATURED BANKING SERVICES

Online Banking

Mobile Banking

Mortgages

Checking

Savings

Business Insurance

OTHER TOPICS OF INTEREST

‹›

MY FREE BANKING

Free checking has been redefined with My Free Banking. Enjoy the savings with no monthly fee and all of these free services.

Read More

CERTIFICATES OF DEPOSIT Sandy Spring Bank has a variety of FDIC insured CDs to meet your savings needs and performance is guaranteed when you lock in a competitive fixed interest rate. Our CDs are created for short-term or long-term; small or large investments.

Read More

TREASURY MANAGEMENT

Put your money to work for your business with treasury management solutions. Want to reduce your organization’s administrative responsibilities? Enhance your company’s information reporting?

Read More

Sandy Spring Bank and From here. For here. are registered trademarks of Sandy Spring Bank. Real Life Requires Real Banking.℠ Real banking

for real life.�

� 2020 Sandy Spring Bank. All Rights Reserved.

FOOTER MENU

* Privacy Notice

* Terms & Conditions

* Patriot Act

*

*

*

*

*

*

*

Equal Housing Lender