Estate planning at Sandy Spring Bank
How to protect 14 Sandy Spring Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Death Claims (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Toll-Free800-990-4828
Mailing Address
Atlantic Union Bank, P.O. Box 446, Ruther Glen, VA 22546
Trust & Asset Management
Verified Feb 2026
Sandy Spring Bank offers 14 consumer accounts that interact with estate planning in distinct ways. Of those, 13 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at Sandy Spring Bank can be managed in branch, by mail, and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Sandy Spring Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at Sandy Spring Bank.
View details →When someone dies
Death claim process
8-step process, 8 required documents, and contact information for survivors.
View details →Sandy Spring Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Sandy Spring Bank merged into Atlantic Union Bank. Atlantic Union Bankshares Corporation completed the acquisition of Sandy Spring Bancorp on April 1, 2025. Full branch and system integration was completed on October 14, 2025. All former Sandy Spring Bank accounts, products, and services are now part of Atlantic Union Bank. The combined institution operates approximately 180 branches across Virginia, Maryland, Washington, D.C., and North Carolina.
Yes. A trust can be named as a POD beneficiary on Atlantic Union Bank deposit accounts. You will need to provide the trust name, date of the trust, and trustee information. Visit a branch or call 800-990-4828 for assistance with designating a trust as beneficiary.
Yes. Atlantic Union Bank supports trust accounts for checking, savings, money market, and CD products. Visit a branch with your Certification of Trust or trust agreement, government-issued ID for all trustees, and the trust Tax Identification Number. Existing accounts can also be retitled to a trust.
Atlantic Union Bank Wealth Management (855-244-3767) provides comprehensive trust and estate services including serving as trustee or co-trustee, executor or co-executor, estate settlement, trust administration, investment management, estate planning coordination, special needs trusts, charitable trusts, and life insurance trusts. Services also include unique asset management for real estate, rental properties, and hard-to-value assets.
Atlantic Union Bank operates approximately 180 branches across Virginia, Maryland, Washington, D.C., and North Carolina. The bank is headquartered at 1051 East Cary Street, Suite 1200, Richmond, Virginia 23219. Following the October 2025 integration of Sandy Spring Bank, the branch network expanded significantly in Maryland and the Washington, D.C. metro area.
Contact Customer Care at 800-990-4828 or visit a branch to update beneficiaries on your IRA. IRAs cannot be retitled to a trust, but a trust can be named as beneficiary. You can designate both primary and contingent beneficiaries. IRA beneficiary designations require completing a separate beneficiary form.
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Customer Care (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Mailing Address
Atlantic Union Bank, 1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
International Calls
WebsiteLearn more →
Death Claims (Monday-Friday 7am-8pm, Saturday 7am-5pm ET)
Phone800-990-4828
Toll-Free800-990-4828
Mailing Address
Atlantic Union Bank, P.O. Box 446, Ruther Glen, VA 22546
Trust & Asset Management
Verified Feb 2026
Estate planning resources for Sandy Spring Bank customers
Tools and documents to help protect your Sandy Spring Bank accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
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Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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What Does Estate Planning Actually Cost?
See the true cost of estate planning. Compare SimplyTrust, Trust & Will, LegalZoom, and attorneys including life events like marriage, divorce, and having children.
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