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Free Checking

Everyone should have free checking.

With Free Spencer Checking, you have better banking tools, less fine print, and more time in your day. Managing your finances has never been easier!

Free Spencer Checking Features

  • No Monthly Service Charges*
  • No Minimum Balance Requirement
  • ATM/VISA® Check Card
  • Convenient Direct Deposit
  • Paperless Monthly eStatements

Bank Anytime, Anywhere

  • Free Online Banking
  • Free Mobile Banking
  • Free Mobile Check Deposit
  • Free Unlimited Bill Pay
  • Free Text Banking

Apply Now

Open Your Account Today

Apply online, visit your local branch, or call us at 1-800-363-8115 today!

*Free Spencer Checking will be free from monthly service charges as long as the account remains active. Minimum to open $100. No minimum balance and unlimited check writing.