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  Holiday Closing
Spencer Savings Bank will be closed Monday, October 14th in observance of Columbus Day. Read More

For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms.

Fee Schedule

Fee Schedule

Fee Schedule
(Effective July 1, 2020)
Account Link (per draw) $10.00
Account Research (per hour) $25.00
Account Research Copies $5.00
ATM/Check Card Replacement $5.00
Bank Checks $7.00
Certified Checks $15.00
Consular Letter $25.00
Inactivity Fee (monthly following 24 months of no account activity) $7.00
IRA Trustee-to-Trustee Transfer $25.00
Legal Papers Served $100.00
Medallion Signature Guarantee $10.00
Money Orders $5.00
Overdraft Fee $34.00
Passbook Replacement $5.00
Reconciliation of Statement (per hour) $25.00
Returned Checks (insufficient, uncollected) $34.00
Return Deposit Items $15.00
Return EFT Items $34.00
Statement Copies $5.00
Stop Payments $25.00
Safe Deposit Rental:
3×5 $40.00
5×5 $55.00
3×10 $70.00
5×10 $115.00
10×10 $175.00
Safe Deposit Box – Drill $150.00
Safe Deposit Box – Key Replacement $10.00
Safe Deposit Box – Late Payment $5.00
Wire Transfers:
Incoming $12.00
Outgoing $20.00
Outgoing Foreign $40.00