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  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

Learn about all the ways Spencer is creating a safe and secure environment. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More


Protect your cards from fraud and cap your personal spending with CardValet, the mobile application that turns your smartphone into an on/off switch for your debit card. CardValet is free for Spencer Savings Bank customers, and comes with customizable settings that give you greater control of when, where and how your cards are used. With just a few taps, you can:

  • Receive real-time alerts whenever your card is used.
  • Allow your card only to work in certain locations or geographic areas.
  • Turn your card “off” to temporarily disable ATM withdrawals and transactions.
  • Set spending limits by merchant type (gas, groceries, etc.).
  • Decline a transaction that exceeds your specified spending limits.
  • Check your balances and review transactions.
  • + More

CardValet is available for Spencer personal and business banking accounts, on Android and Apple devices. Download the app and safeguard your cards today!

Google play button
Apple app store button

Card Valet