Important Notice

Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Coronavirus Update

Spencer Savings Bank is committed to the safety, health and well-being of its customers and employees. Read More

Spencer Savings Bank is committed to the safety, health and well-being of its customers and employees. As the country continues to deal with the impact of the Coronavirus (COVID-19), we want to take a moment to assure the community that we are closely monitoring the situation which is continuously evolving.

In response to the latest situation regarding this public health crisis, we are temporarily modifying how we conduct business at our financial centers to help minimize the potential spread of the virus. Effective Monday, March 30, 2020, we will be providing lobby service in our financial centers by appointment only. To make an appointment, please call the financial center between the hours of 9:00am – 5:00pm, Monday – Friday and 9:00am – 1:00pm on Saturday. Financial centers with a drive-up facility will continue to operate as usual during the same hours listed above, Monday- Saturday. In the best interest of the public health, if you need to process a teller transaction and your financial center has a drive-up facility, we are asking you to process all teller transactions at the drive-up only. Please know that every effort is being taken to ensure that the bank is able to meet all of your needs while we continue to follow the recommendations from the health authorities.

In addition to taking extra precautions to maintain the cleanliness of our bank locations, we continue to update and educate employees on virus information, as well as reduce employee contact. Please know that the bank has a Pandemic Plan in place with procedures and guidelines for the staff to follow to continue with all business activity.

We would like to take this opportunity to remind customers that most banking transactions do not require a visit to an office. Spencer offers a variety of ways to access your accounts and manage your money without having to visit a financial center. Banking can continue from the comfort of your own home. Most transactions can be handled with a call to our Customer Service Center, with your mobile device, online or at an ATM. Many locations also offer drive through features. All of these options reduce public interaction for both the customer and employee. If you want to explore any of these options, please call your local financial center or our Customer Service Center at 1-800-363-8115.

We also urge all customers to be extra vigilant during this time as there are increased incidents of fraud surrounding the virus announcement. The FDIC has released educational articles regarding this topic with more information.

This is a fluid and evolving situation. We will continue to update you with any new information that becomes available. Our customers are the heart of our business. Thank you for giving us the opportunity to continue to serve you. Together, we will all take the necessary precautions to successfully manage through this difficult time.

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 11/1/19. 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 3.25%; 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 3.25% 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.