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  Holiday Closing & Important Update
We will be closed on Saturday, July 4th in observance of Independence Day. For your convenience, account information can be accessed 24/7 through our online banking, mobile banking and telephone banking platforms. Normal business hours will resume on Monday, July 6th. Read More

Our financial centers are now reopened with regularly scheduled hours for lobby and drive-up service. Spencer customers will now have full access to the lobby area of all our financial centers. We understand there are still concerns when visiting public spaces, such as these. To ease such concerns we have implemented a number of new safety practices and protocols that you will notice upon visiting our financial centers, all of which are designed to ensure a safe and secure environment for everyone that visits our bank. Read More


Earn Cash Rewards

Kasasa Combo

Enjoy monthly rewards with your checking account to fit your lifestyle. Choose from cash back rewards on debit card purchases or earn a high rate of interest as you do your everyday banking.

  • ATM Fee Refunds
  • No Minimum Balance to Earn Rewards

Kasasa Cash

Earn an Interest Rate Above the
National Average
Learn More about Kasasa Cash

Kasasa Cash Back

Cash Back on Everyday
Debit Card Purchases
Learn More about Kasasa Cash Back

Enjoy perks for things you already do!

Open Your Account Today

Visit your local financial center, or call 1-800-363-8115 today!


*APY = Annual Percentage Yield. APYs are accurate as of 5/1/20. Rates may change after account is opened and are subject to change without notice. Fees may reduce earnings on the account. For Kasasa Cash Checking, if qualifications are met within the corresponding qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle up to $25 monthly will be reimbursed and credited to the account on the last day of current statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.30% interest rate on the portion of the balance over $25,000 resulting in 0.30% to 2.50% APY depending on the balance in the account. If qualification requirements are not met on Kasasa Cash Checking all balances earn 0.05% APY. Qualifying transactions must post and clear Kasasa Cash Checking account during monthly qualification cycle. For Kasasa Cash Back Checking, if qualifications are met you receive: (1) 5% cash back on debit card purchases that post and clear account during the monthly qualification cycle up to a total cash back of $10 monthly; (2) Nationwide ATM fees incurred during qualification cycle up to $25 monthly will be reimbursed and credited to the account on the last day of current statement cycle. Transactions may take one or more banking days from the date the transaction was made to post and clear account. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Minimum to open both Kasasa Cash Checking and Kasasa Cash Back Checking is $100. Kasasa Cash and Kasasa Cash Back account qualification requirements per statement cycle: (a) conduct at least 12 debit card purchases which post and clear your account within one statement cycle; (b) receive at least one ACH direct deposit or process at least one automatic debit which posts and clears your account within current statement cycle; (c) establish and maintain Spencer Online Banking relationship; and (d) elect to receive your monthly account statements via Online Banking. ATM transactions do not qualify as debit card transactions. Available to individuals who live or work in NJ. Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Click here for monthly qualification cycle information.