Here you will find all the latest Sandy Spring Bank promotions, bonuses, and offers.
Currently, they have a $50, $75, $100, $300 bonus when you open a qualifying account or refer a friend or family member and meet all the requirements.
About Sandy Spring Bank Promotions
Sandy Spring Bank, headquartered in Olney, MD, has 55 full-service community offices and six financial centers across Maryland, Virginia, and Washington, DC.
I will review the current Sandy Spring Bank promotions below.
Sandy Spring Bank $300 Checking Bonus
When you open a checking account, you can earn a $300 bonus.
- What you’ll get: $300 bonus
- Account Type: My Free Checking Account
- Availability: DC, MD, VA, DE, PA, WV (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Yes, Sensitive
- Credit Card Funding: Up to $250 (Mastercard and Visa only)
- Monthly Fees: None
- Early Account Termination Fee: $25, 180 days
- Household Limit: None listed
(Expires 04/14/2024)
BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
First Tech Rewards Checking ($300 bonus) |
How To Earn Bonus
- To receive the $300 bonus, open any personal checking account online or mention the offer when you call our client service center or visit our branches.
- Establish direct deposit within 45 days of account opening.
- Initial direct deposit must be at least $500 and must continue for a minimum of 4 months (3 statement cycles after opening cycle).
- Bonus will be deposited within 125 days of account opening into the checking account meeting the bonus requirements.
- To receive the $300 bonus, open any personal checking account online or mention the offer when you call our client service center or visit our branches by April 14, 2024, and establish direct deposit within 45 days of account opening.
- Initial direct deposit must be at least $500 and must continue for a minimum of 4 months (3 statement cycles after opening cycle).
- 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.
- Bonus will be deposited within 125 days of account opening into the checking account meeting the bonus requirements.
- Your account must be open and in good standing at the time the bonus is credited.
- All applicable taxes are the sole responsibility of the recipient.
- Limited time offer available only to individuals who currently do not have a personal checking account with Sandy Spring Bank or have not had one within the last 90 days.
- Offer subject to change and cancellation without notice and cannot be combined with any other offer.
Sandy Spring Bank $75 Checking Bonus

Earn a $75 bonus at Sandy Spring Bank!
Employees of employers who bank with Sandy Spring Bank are given a chance to earn a $75 bonus when they open a new account and meets the requirements.
- What you’ll get: $75 bonus
- Account Type: Retail Checking account
- Availability: DC, MD, VA, DE, PA, WV
- Direct Deposit Requirement: Yes, $100+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Yes, Sensitive
- Credit Card Funding: Up to $250 (Mastercard and Visa only)
- Monthly Fees: None
- Early Account Termination Fee: $25, 180 days
- Household Limit: None listed
(Limited time offer)
BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
First Tech Rewards Checking ($300 bonus) |
How To Earn Bonus
- To receive the $75 bonus:
- Open any retail checking account as an employee of an employer who banks with Sandy Spring Bank
- Earn up to $75 byy:
- $25, by establishing direct deposit
- $25, by making three debit card purchases during the third statement cycle
- $25, by enrolling in e-statements by the end of the third statement cycle
-
New households only. One reward per personal checking account. All eligible rewards will be deposited into the checking account, at one time, within 120 days of account opening.
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Minimum direct deposit to qualify is $100 during the 3rd statement cycle from a paycheck, pension, social security or other regular monthly income electronically deposited. Transfers from one account to another or deposits made at the branch or ATM do not qualify as direct deposits.
Sandy Spring Bank $50 or $100 Referral Bonus

Earn up to a $100 bonus when you refer someone to open a qualifying account.
When you refer friends/family to open a new personal or businesschecking account, you can earn a $50 or $100 referral bonus.
- What you’ll get: $50 or $100 bonus
- Account Type: Checking Account, Business Checking
- Availability: DC, MD, VA, DE, PA, WV
(Limited time offer)
How To Earn Bonus
- Complete this certificate, give it to a friend or family member, and invite them to open any Sandy Spring Bank checking account.
- Ask them to complete the new client section of the certificate and present it when they open a checking account.
- Your reward automatically will be deposited to your account within 30 days after your friend opens their new checking account, orders a debit card, and makes three debit card purchases during the third statement cycle. Plus, your friend will also receive a deposit to their account of the same value.
- Minimum account opening deposit of $50 for the new checking account.
- Only referrals of new households qualify for the reward – a new household is one where the client has not had a Sandy Spring Bank deposit account, loan, or other banking relationship within the last 90 days.
- The reward will be deposited to accounts in good standing within 30 days after the new checking account orders a debit card and makes 3 debit card purchases during the 3rd statement cycle.
- Offer subject to change and cancellation without notice and may not be combined with any other offers.
- All applicable taxes are the sole responsibility of the recipient.
How to Waive Monthly Fees
- Premier Banking: $14.00 monthly, waived in any monthly evaluation period you:
- Maintain a $15,000 combined average balance in Premier Banking, companion personal deposit products (checking, savings, money market and certificates of deposit, including IRAs) and outstanding personal installment loans or lines or credit (auto, boat, RV, personal and home equity installment loans (does not include mortgages) home equity line of credit and secured and unsecured lines of credit)
- Maintain a Commercial Checking account with Sandy Spring Bank
- Senior Interest Banking: No monthly fees
- Student Banking: No monthly fees
- My Free Banking: No monthly fees
- Flex Business Checking:
- 0-100 transactions: No monthly fees
- 101-300 transactions: $10.00 monthly waived with a $5,000 monthly average balance
- 301 and above transactions: $20.00 monthly waived with a $15,000 monthly average balance
- Business Interest Checking: No monthly fees stated
- Commercial Checking: No monthly fees stated
- Flex Business Plus Checking:
- $25,000 balance threshold: $40.00 monthly if monthly maintenance fee falls below threshold
- $50,000 balance threshold: $80.00 monthly if monthly maintenance fee falls below threshold
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Bottom Line
If you live in one of the qualifying states and currently looking for a bank to meet your banking needs, you should check out this offer from Sandy Spring Bank. Furthermore, My Free Checking is a great account offering no monthly fees and it has everything you could ask for if you are looking for a basic checking account.
Feel free to comment below and let us know about how it went and if you could fund your account with a credit card or not. We value your feedback and will continue to keep you posted on the latest bank offers nationwide.
Additionally, they offer a broad range of commercial banking, retail banking, mortgage, and trust services, along with great bank bonuses, CD rates, and bank rates.
Compare Sandy Spring Bank Promotions with other bank bonuses from banks like Huntington, HSBC, Chase, TD, Bank of America, Citibank, Wells Fargo, and more!
*Check back for updated Sandy Spring Bank promotions, bonuses and offers.
Got a call saying my packet should be in the mail within a week and got asked why I deposited $250 using my card because it seemed high. Anyways, Citi DC coded as a purchase for me.
Same thing happened to me. Used my Citi AA Plat to open my account with $250 and it went through as a purchase.
Used my Chase Freedom Unlimited card to open my account with the $250 deposit & posted as a purchase.