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Found daily banking experiences excellent. Folks at Urbana branch were always friendly and helpful. No, repeat NO, charges on daily banking activities; even got interest on checking accounts (small but much better than fees).
Regarding mortgages, weak experience. Bought a townhouse last year for investment purposes. Talked with SS about the mortgage. They wanted a larger down payment and a larger interest rate. Found they would not budge on those inordinate values compared with other banks. Naturally, I got the mortgage from another bank. Since I do not establish a new mortgage often, this negative aspect is only a small portion of the overall, in my opinion.
I did a refinance on May 3rd and was given a note. The note said my 1st payment was due on the 1st of June. I was given a loan number and told that I would hear from Sandy Spring Bank approx 7 days before the 1st pmt was due. Well I have not heard from them as of the 24th and when I called to find out why I gave them the loan number I was given. They could not find it and I was told it was incorrect. When I asked for the correct number I was told that it couldn't be given out over the phone. This was after I had given my social security number, address, mother's maiden name, and birth date. I then said text or mail the number to me because I do not want to make a payment to an account number that is incorrect (especially the first payment). The response was "I'll make a request for it to be mailed to you" This is a bank that I am trying to make a payment to and I'm getting red tape after being given a wrong account number at settlement. Today is the 24th of May (21 days after settlement and I have not heard one word from Sandy Spring Bank). It was the same thing in obtaining the loan. I would rush to fill out forms and they would sit on them for weeks and when I would hear from them it was "these must be returned within 48 hrs" I certainly would not give them a B for efficiency.
They seem to move the same lazy employees from branch to branch. I swear it is the same lady at the gaithersburg branch that i used to see at the olney branch. she should be fired. she never smiles!!! I think it is a bad place to work as well as a bad place to bank. I only banked w/ them for 4 yrs but i closed my acct after i saw an employee crying at the rockville branch may 2010. i over heard the branch manager in montgomery village talking about her supervisor brian within ear shot of me while i was filling out my dep slip.