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  Elizabeth Financial Center Closing
Our Elizabeth Financial Center will be closed Saturday, April 13th, Monday, April 15th and Tuesday, April 16th due to Financial Center repairs. This location will reopen on Wednesday, April 17th. Read More

For your convenience, please visit one of the following full-service locations during this time:

Union Financial Center
1350 Galloping Hill Rd.
Union, NJ 07083

Cranford Financial Center
213 South Avenue
Cranford, NJ 07016

Account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. We apologize for the inconvenience.


Was Your Bank There For You During This Pandemic?

You’re back in business and focused on the future.

At Spencer, we’re passionately and proactively helping our clients move forward with expert advice, flexible solutions, fast decisions, and an unrelenting commitment to New Jersey businesses.

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Digital Banking


  • Free Online Banking
  • 500 Free Debits Monthly
  • Free Bill Pay
  • Free VISA®️ Business Check Card


  • High Yield Business Savings
  • Link to Checking for Peace of Mind
  • Access to Online Funds Transfers
  • Combined Monthly Statement

Money Market

  • Free Online Banking
  • Tiered Interest Rates Based on Account Balance
  • Liquidity of Funds

Cash Management

  • ACH Originations
  • Remote Deposit Capture
  • Positive Pay / Account Reconciliation
  • Online Wire Transfers
  • EDI Reporting

See what real relationship banking is all about.

Visit your local Financial Center or call us at 1-800-363-8115 to open your account today!