Important Notice
Javascript must be enabled to view this website, please enable Javascript and reopen our website.
Skip to main content
  Important Information
Financial Center Updates & Important Information Read More

As the virus transmission rate continues to increase again in New Jersey, we’d like to inform you that we will be closing our lobbies to the general public effective Monday, December 7, 2020. If you need to conduct business inside one of our financial centers, you will be required to schedule an appointment.  However, we will be operating our drive-up facilities as normal.  Please see our revised hours of operation and financial center contact information. Financial Center Locations

Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility.  We appreciate your patience as we do our part to protect you and our employees from the spread of COVID-19. Financial Center Locations

Learn about all the ways Spencer is creating a safe and secure environment. Read More

We continue to stay committed to you during this difficult period.  View an updated message from our Chairman and CEO. Read More

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 x 5 $40.00
5 x 5 $55.00
3 x 10 $70.00
5 x 10 $115.00
10 x 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