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  Security Information
Protect Yourself From Scammers! Read Full Message

The banking industry has seen an increase in fraud attempts targeting customers. Spencer will never request your one-time passcode/security code, online banking username, password, or PIN via text, email, or phone, nor request that you establish an account at another bank to secure your account balances. If you receive any such request, please do not provide any information. Visit our Fraud Center for best practices and safety tips.

If you receive such a request, do not respond or provide any information. Instead, contact our Customer Service Center immediately at 1-800-363-8115, regardless of the message channel.

Beneficial Ownership Information

Beneficial Ownership Information

Beginning January 1, 2024, there are new federal reporting requirements for select small businesses. Many companies in the U.S. will have to report information about their beneficial owners (i.e. individuals who own or control the company). This information will be reported to the Financial Crimes Enforcement Network (FinCEN), a bureau of the The U.S. Department of the Treasury. Beneficial ownership reporting is a requirement of the Corporate Transparency Act of 2021.
View FinCEN’s website to learn more.