Frequently Asked Questions

The routing number for Spencer Savings Bank is 221271951 SWIFT: SPVVUS32.

• Spencer Savings Bank has an automated Telephone Banking service that is available 24/7 for accessing account information such as balances, recent transactions, and making internal transfers, and placing check stop payments. The phone number is 877-402-2265.
• When calling in for the first time, you will enter the last four digits of your social security number for your PIN.  The Telephone Banking system will then prompt you to create a new 4 digit PIN, which will be the one you use to access Telephone Banking for future inquiries.

Please CLICK HERE to review our Funds Availability Disclosure.

To delete your consumer online/mobile banking access, please use one of the following options:

• Contact your local financial center
• Contact our Customer Service Center at 800-363-8115

• To enroll in consumer online banking, simply click on this link: Spencer Savings Bank | Registration.
• To enroll in business online banking, simply click on this link: Spencer Savings Bank | Business Online Banking Registration.

Download the Spencer Savings Bank App from the Google Play Store or the Apple Store. Once the App is downloaded, simply log in with your same online banking credentials.

The account number may be found via online/mobile banking by following these steps:

• Sign in to your online banking
• Click on the last 4 digits or name of the specific account you wish to review from the My Accounts screen.
• The Account History screen will appear, and under the last 4 digits of the account you will see a blue box that says, “Account Detail.”
• Click on “Account Details and the account number will display.

**If you select the Show more options you will be able to view the last 5 transactions only.

• If you forget your password via online/mobile banking, you may select the “Forgot Password” on your desktop computer or “Forgot Login” on the Spencer Savings App.
• A screen will appear to enter your phone number associated with your online banking, along with your username*. A temporary password will be sent via text, which is valid for 30 minutes.
• Another screen will appear to input the temporary password that was received via text, and the website will prompt you to create a new password.

*If you forgot your username, you may select “I forgot my username” and input your email address associated with your online banking.  You will then receive an email with your username.  Once the username is obtained, you may follow the steps above to reset your password.

• Spencer Savings Bank offers account alerts to be received conveniently via email or text message. Simply sign into your online banking on your desktop computer and select “My Settings” in the upper right corner.
• A screen will appear with your Personal Information and by scrolling to the bottom of the page; you will select “Alerts & Notifications” under “Other Settings.”

*Activating your cell phone number is required prior to being able to enroll in text message alerts.

Simply sign into your online banking on your desktop computer and select “Additional Services.”  From the drop down menu, select “eStatements.”

Your computer will open a new tab within your browser that will show your accounts. From here, you can select View Current Statement or View Statement History.

Checks can be reordered via our website by clicking the “Checks” option across the top of the homepage or by visiting https://www.ordermychecks.com/login_a.jsp which will direct you to the Harland Clarke website. You will be prompted to enter your full account number, routing number (221271951), your current zip code, and the account type (i.e. personal or business).

(Fees may apply. For more information, please contact your local financial center or our Customer Service Center at 1-800-363-8115.)

• Simply sign into your online banking on your desktop computer and select “Additional Services.” From the drop down menu, select “Stop Payment.”
• A screen will appear in which you will enter the “Check Number”, “Paid From” account, and “Amount” to be stopped. Current Stop Payment fee will be applicable.

• • The default limit for mobile deposits per banking day are:
    • Consumer customers: $5,000 per banking day
    • Business customers: $20,000 per banking day
  • If your deposit was made before 4:00PM EST, Monday-Friday, it should be reflected in your account on the next business day, subject to the same Funds Availability as branch deposits. Deposits after 4:00PM EST, on weekends, or holidays will be processed on the next banking day.
  • Checks deposited via mobile deposit have to go into an account with the same title. Also, please ensure to endorse the back of your check(s) with your signature and write “for mobile deposit only.”
  • This service is available after being a Spencer Savings Bank customer for 30 days.

After completing a mobile deposit via the Spencer Savings Bank app, you can check the status by selecting the “Check Deposit” option, the folder that is located on the top right of the screen. If the deposit is rejected, you will be notified of the reason by email. Please contact your local financial center or our Customer Service Center at 1-800-363-8115 for any additional questions.

• Simply sign into your online banking on your desktop computer and select “Move Money” from the drop down menu, then “External Transfers.”
• A screen will appear with a set up wizard to get started; the routing and bank account number of the financial institution are required.
• The limits for External Transfers are $500.00 for the first 30 days upon enrollment; thereafter, a request may be made to increase the limit to $2,000.00 daily and $5,000.00 monthly based upon account review and approval.
• This service is only available for consumer accounts and not business accounts.

*Please note that this service is for transfers to a bank account at another financial institution that is in your name.  This service is not for sending money to another individual; please see the next question for instructions to transfer money to someone else.

• Spencer Savings Bank offers Zelle, which provides the same service of sending money to a bank account at another financial institution.
  • Simply sign into your online banking on your desktop computer and select “Move Money” from the drop down menu, then “Zelle.”
  • On the Spencer app, once signed in select “More” followed by “Zelle”.
• A screen will appear with a set up wizard to get started. You may add the cell phone number or email address of the other individual for them to be able to enter their banking information.  Another option (available only on the desktop computer) is to obtain the individual’s routing number and account number directly.
• The limits for Zelle are $2,000.00 daily and $5,000.00 per rolling 30 days (monthly). The 30 days limit includes activity within the last 30 days, including today.

• The official 1099 tax document is not available via online banking, but the accrued interest amount is available.
• Simply sign into online banking via desktop or mobile device and select the account from “My Accounts”.
• The account history for that particular account will appear; select “Account Details” and you will see the accrued interest for that particular account.
• Please note that if the interest for a tax year is below $10.00, a 1099 tax document does not generate.

• Sign in to your online banking
• Click on the last 4 digits or name of the specific account you wish to review.
• The account history will show underneath the account details option; for the last 30 days.
• If you wish to see more transactions pass the 30 days, click on the magnifying glass next to the tab that reads Transactions.
• Select the Filter option on the top right corner to customize your search.
• Transactions can be filtered by transaction types: dates, deposit, withdrawals, minimum and maximum amounts.

**If you select the Show more options you will be able to view the last 5 transactions only.

• Sign in to your online banking
• Select the applicable account from your list of accounts.
• On the Account History screen, click on the blue symbol to the right of the Balance column.
• The Transaction Details box will appear, and the check image will be located on the bottom. To view a larger size image of the check, click on the check and it will appear in the middle of the screen.

**If you select the Show more options you will be able to view the last 5 transactions only.

• Sign in to your online banking
• Click on the last 4 digits or name of the CD account from your list of accounts.
• In the Account History screen select “Account Details” for the additional information.

**If you select the Show more options you will only be able to view the account balance and maturity date.

For security reasons, you must select from the following 2 options:

1. 1. Option 1- Yes, register my private device.
   2. Option 2- No, this is a public device.

Once you save the subuser, they will receive an email at the address you provided for them with directions on how to setup their account. Once they activate their account, the date of their most recent login will be displayed next to their name on the access management page.

Subusers will only be able to see accounts they were granted access to when you, as the account holder, set them up. For the accounts to which they have access, they will be able to see the balance and transaction history, check and deposit images (if supported), and download the transaction history. Subuser will be able to make transfers and bill payments from the accounts on which permissions are granted. The subuser will not be able to access Money Management, Purchase Rewards, Online Statements, or other pages within Online Banking. They will also be unable to access your account from their mobile device (mobile web or the mobile application).

If your access is set up with payment products (e.g.Bill Pay, ACH or Wires), you’ll have the ability to delegate limited access to the subusers.

The bill pay permission will only display for accounts that you have already setup as bill pay funding accounts. If you want to grant bill pay permissions to an account that is not currently a funding account, you must first go to the bill pay page and add this account as a funding account and then attempt to add a subuser again. The bill pay permission should then display for this account. Please note that if your financial institution allows you to setup external funding accounts in bill pay, you will not be able to grant access to those account to your subusers.

Yes, you can limit the amount of money a subuser can move. When you grant permissions for an account, you will be prompted to enter a transaction limit. You cannot grant access without defining a transaction limit. Any transactions submitted by the subuser that exceed this limit will require your approval before they process. We do not currently support transaction limits for internal (book) transfers.

You can approve subuser transactions on the same page where you manage their permissions. To access this page, login to your account and under the “Additional Services” menu, click on the “Share access with others” link. The transactions that require your approval will be displayed at the top of this page with buttons to approve or deny the transactions.

Transactions that are pending approval do not show up on the main bill pay page. However, they will show up with a status of PENDING on the bill pay transaction history page. Transactions that are approved by the account holder will show up as normal scheduled payment on the main bill pay page. Transactions that are declined by the account holder will not be displayed on the bill pay page.

You will not be notified when the subuser makes transfers. If you have given the subuser access to make payments, you will be notified when they submit transactions.

In order to make account transfers, you must grant subuser transfers permission to both the “to” and the “from” accounts. It’s possible that the subuser cannot make transfers between the accounts that you intended them to transfer between because you did not grant transfers permissions for one of those accounts.

Yes, you can do this by granting either view only or transfer/payment permissions to the set of accounts you want the subuser to see and access.

Yes, you can prevent transfers between accounts by only giving the subuser view only access to an account.

You can edit the subuser’s name, email address, phone number, and permissions by clicking the “Edit” link next to their name on the Access Manager page. Account holders cannot edit a subuser’s username or password. The subuser must do this by logging in and making these changes in My Settings.

Absolutely! And at any time. Go to the page where you gave them access, find their name, look at the Access slider, and change the permission from “Yes” to “No.” Doing this will revoke all subuser access and prevent them from logging into Online Banking altogether.

Call your financial institution right away. They can put the subuser on hold – this will prevent the subuser from logging into Online Banking.

The subuser can easily reset their password or retrieve their username using the links on the Online Banking login page. Additionally, you as the account holder can reset your subuser’s password for them. Another option is to call your financial institution to have your subuser’s password reset. We prefer that the subuser first try self-service (that is, try to reset their password or retrieve their username) before calling you or calling your financial institution.

• Currently, we have Zelle available for consumer customers 18 years and over. Business customers are not eligible to enroll in Zelle through Spencer Savings Bank.

• A mobile number or email address that is not already enrolled with Zelle at a different bank or credit union; international numbers and landlines are not accepted.

• Simply sign into your online banking on your desktop computer and select “Move Money” from the drop-down menu, then “Zelle.” On the Spencer app, once signed in, select “More” followed by “Zelle”.

• There are no fees associated, standard messaging rates may apply.

• Most payments will be sent instantly, if not then they will be processed within 1-3 business days. The funds are debited from the sender’s account within minutes.

• The limits for Zelle are $2,000 daily and $5,000 per rolling 30 days (Monthly). The number of transactions allowed are 15 per day, 30 per rolling 30 days. The 30 days limit includes activity within the last 30 days, including today.

If you send money to someone not in the Zelle network, that person has 14 days to register, with the cellphone number or email address used to send them the money. If no action is taken within the 14 days, the payment expires and the process of returning the funds back to the sender begins.

• You can cancel a payment if the person you sent money to has not collected it. To review whether the payment is still pending and able to be cancelled, you can go to your activity page for Zelle and click on the desired payment. If the payment can be cancelled, you will be given the option to “Cancel This Payment.” Fees may be applicable to cancel a pending payment.

• Zelle transfers are like sending cash to another individual, so you should not send money to individuals you are not familiar with or do not trust.
• Be cautious when receiving emails, texts, or links from unknown senders. Do not click or open them.
• Do not provide account information over the phone to individuals you are not familiar with or do not trust.

The phone number to call for assistance is 1-800-992-3808.

• The limit for debit card purchases is $1,500.00 per banking day. This limit can be temporarily increased to complete a large purchase; simply call your financial center or the Customer Service Center at 1-800-363-8115.
• The limit to withdraw funds from an ATM is $1,000.00 per banking day. This limit cannot be increased.

Replacement debit/ATM cards are automatically issued during the first few days of the expiring month. Your debit/ATM card is valid until the last calendar end of the expiring month.

Desktop:

• Sign in to your online banking and select “Card Management”
• Scroll to the bottom and on the left side of the screen you will see Manage Card and select Manage Travel Plans.
• Select the symbol next to Add Travel Plan and follow the steps to obtain and enter the Security Token by text or email.
• Type the destination name and check the box next to the name to select it.
• Add Date of Departure and Date of Return. Your Travel Plan cannot exceed 30 days. Contact us if you are planning a longer travel period.
• Once the information has been entered, select Submit.
• Your travel notification will be listed under the Travel Plans section. Within this section, you may edit or delete any travel notifications.

Mobile:

• Sign in to your online banking on your mobile device and select More, then Card Management.
• Scroll to the bottom of the page and under Manage Card select Manage Travel Plans.

• Select the symbol next to Add Travel Plan and follow the steps to obtain and enter the Security Token by text or email.
• Type the destination name and check the box next to the name to select it.
• Add Date of Departure and Date of Return. Your Travel Plan cannot exceed 30 days. Contact us if you are planning a longer travel period.
• Once the information has been entered, select Submit.
• Your travel notification will be listed under the Travel Plans section. Within this section, you may edit or delete any travel notifications.

** Note: You can add up to 2 travel plans per card and a maximum of 15 destinations per travel plan.

You may call or visit a Financial Center to add a travel notification or contact the Customer Service Center at 1-800-363-8115.

All cardholders will be automatically enrolled in text fraud alerts.

You will be able to see your spending summary for the last 12 months. The transactions are displayed by category, monthly spending dollar amount, and location.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. On the left side of the screen, under the Card Details section, select Spending Insights.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Scroll to the bottom of the page and under Card Details select Spending Insights.

Customers can customize where, when, and how their card is being used based on:

• Locations– Define where the card can be used and set controls for current location, from a map of regions, or international transactions.
• Merchant Types-Specify merchant categories, such as Department Store, Gas Station, etc., for approval of a transaction.
• Transaction Types– Specify the transaction categories, such as In- Store, Online, ATM, etc., for approval of a transaction.
• Spending limits– Control the amount that can be spent per transaction or per day.

To set up controls go to:

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. On the left side of the screen, you will see Manage Card and select Controls & Alerts.
   3. The controls can be set under the Controls tab

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Scroll to the bottom of the page and under Manage Card select Controls & Alerts.
   3. The controls can be set under the Controls tab

Receive notifications and set controls on where, when, and how your card is used. For additional information, click on the “Tell Me More” option on the bottom of the Controls & Alerts screen.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. On the left side of the screen you will see Manage Card and select Controls & Alerts.
   3. The alerts can be set under the Alerts tab for All Transactions, No Transactions, and Selected Transactions. Simply select the appropriate dial and follow any additional prompts.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Scroll to the bottom of the page and under Manage Card select Controls & Alerts.
   3. The alerts can be set under the Alerts tab for All Transactions, No Transactions, and Selected Transactions. Simply select the appropriate dial and follow any additional prompts.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. Your recent transactions will appear, and you can click on the transactions to obtain detailed information.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Your Recent Transactions will appear, and you can click on the transactions to obtain detailed information.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. Under the image of the card, you will see “Card is ON” with a blue dial next to it which means the card is active.
   3. To turn off the card, click on the blue dial and you will receive a message that reads” Are you sure you want to turn your card off? Select Yes, to process this request. All transactions, except for recurring payments, will be denied until you turn your card back on.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Under the image of the card there is a section that reads “Card is ON” with a green dial next to it which means the card is active.
   3. To turn off the card, click on the green dial and you will receive a message that reads” Are you sure you want to turn your card off? Select Yes, to process this request. All transactions, except for recurring payments, will be denied until you return your card back on.

**Note- Remember to turn the card back on if you change your mind.

Adding your card to your digital wallet allows you to make purchases in person effortlessly and with minimal hassle.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. Click on Add Card located above the image of your card and follow the steps.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Click on the arrow above the green Card is ON toggle.
   3. Select Add Card and follow the steps.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. Select Setting on the bottom of the left side of the page.
   3. Select Hide/ Show Cards
   4. Once on this screen, if the card is checked, it will show. When the card is unchecked, it will not show.
   5. Select Save to keep your preferred options.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Click on the gear symbol on the top right.
   3. Select Hide/ Show Cards
   4. Once on this screen, if the card is checked, it will show. When the card is unchecked, it will not show.
   5. Select Apply to keep your preferred options.

Desktop:

1. 1. Sign in to your online banking and select “Card Management”
   2. Under Card Details, on the left side of the page, select Card on File
   3. To view your recurring payments, click on the Recurring Payments tab.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select More, then Card Management.
   2. Under Card Details select Card on File
   3. To view your recurring payments, click on the Recurring Payments tab.

• Loan Payments via online/mobile banking can be made with an existing Spencer Savings Checking or Statement Savings account.
• Loan payments cannot be made online with another financial institution’s account number.

• Automatic transfers can be set up online using an existing Spencer Savings Bank account by signing into your online banking and selecting “Move Money”. This transfer can be set up as a onetime payment or recurring monthly transfers.
• Automatic payments (ACH) using another financial institutions bank account cannot be set via online banking. Simply click here to access the ACH FORM, which must be signed and returned back to us.Drop off at any of our Financial Center locations.
  Mailed to: Spencer Savings Bank Attn: Loan Administration
  611 River Drive, Elmwood Park, NJ 07407
  or Fax to 201-797-5374If you are unable to access the form above, simply call your local Financial Center or our Customer Service Center at 1-800-363-8115 to obtain the form.

Spencer Savings does not accept partial payments.

• Spencer Savings Bank requires a signed letter from all borrowers requesting a loan payoff. The letter may be faxed directly to our Loan Administration Department at 201-797-5374 or emailed to payoff@spencersavings.com.
• The request should include your loan account number, an effective date of when the payoff is expected to occur, and the signature of all borrowers.

• The official 1098 tax document is not available via online banking; please call or visit your nearest financial center or call our Customer Service Center at 1-800-363-8115 to obtain a copy of your 1098 tax document.
• If the interest paid for the tax year is below $600.00, a 1098 tax document does not generate.

Desktop:

1. 1. Sign in to your online banking and select “Bill Pay.”
   2. In the Bill Pay Screen select “View all payments”
   3. A new screen will display with your payment history, Scheduled, Processed, Cancelled. On the same screen you can select the “Show” drop down to display the following:
      1. Previous 60 to upcoming 30 days
      2. Upcoming 30 days
      3. Previous 30 days
      4. Previous 60 days
      5. Previous 6 months
      6. Select Custom dates.

Mobile:

1. 1. Sign in to your online banking on your mobile device and select “Bill Pay.”
   2. Select the 3 orange dots on the top right of the screen and select “View all payments.”
   3. On the same screen you can select the “Show” drop down to display the following:
      1. Previous 60 to upcoming 30 days
      2. Upcoming 30 days
      3. Previous 30 days
      4. Previous 60 days
      5. Previous 6 months
      6. Select Custom dates.

• Desktop:
• Sign in to your online banking and select “Bill Pay.”
• Locate the Payee name from the list, then make sure the correct account is selected from the “Pay from account” dropdown menu, enter the amount, and when you click on the Payment date section, the next available date will automatically populate. You may enter a future date if you prefer. The minimum amount a payment can be scheduled for is $1.00 and the maximum amount is $99,999.99.
• Select Pay, then Submit.

OR

• Desktop and mobile:
• Sign in to your online banking and select “Bill Pay.”
• Click on the “$ Pay” icon located on the top right and choose the Payee from the list or search it by name. Enter the amount you wish to pay, select the desired frequency of payment, deliver by date will automatically populate to the next available date, lastly enter memo (if desired). You may enter a future payment date if you prefer
• Select Review Payment, then Confirm Payment.

**Note: make sure to receive the successful message to ensure your request has been completed.

• Sign in to your online banking and select “Bill Pay.”
• Locate the Payee name from the list, then make sure the correct account is selected from the “Pay from account” dropdown menu, enter the amount, and when you click on the Payment date section, the next available date will automatically populate. You may enter a future date if you prefer. The minimum amount a payment can be scheduled for is $1.00 and the maximum amount is $99,999.99.
• Select Pay All on the bottom of the screen then Submit.

OR

• Desktop and mobile:
• Sign in to your online banking and select “Bill Pay.”
• Click on the “$ Pay” icon located on the top right and choose the Payee from the list or search it by name. Enter the amount you wish to pay, select the desired frequency of payment, deliver by date will automatically populate to the next available date, lastly enter memo (if desired). You may enter a future payment date if you prefer
• Select Add another payment
• Select the Payee from the list and enter all the payment information.
• Once the payments are completed, select Review Payment, then Confirm Payment.

**Note: Make sure you receive the successful message to make sure your payment request is accepted.

• Sign in to your online banking and select “Bill Pay.”
• Then “Manage” from the options listed above, and “Accounts.”
• Select your account, then set it as primary.

Simply contact our Customer Service Center at 1-800-363-8115 and we will be able to add the additional account.