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

Beginning Monday, March 15th the bank will resume full service status to our lobby areas with normal business hours. (No appointments are needed). Prior to visiting us, please check our “locations” section on the website for updated financial center accessibility. Financial Center Locations

We remain committed to do our part to ensure our community stays healthy during the COVID-19 pandemic. Spencer is creating a safe and secure environment for all who visit. Please take a few moments to review the safety protocols listed here prior to visiting us. 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