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Checking

Spencer offers a wide variety of personal products and services tailored to meet your individual banking needs. Whether you need just a simple checking account with basic features or a full-service account loaded with extras, Spencer has just the right account to meet your banking needs. Compare the benefits of our checking account options and choose one that fits your individual lifestyle.

All Spencer checking accounts include:

  • Free Online Banking
  • Free Bill Pay
  • Mobile Banking
  • ATM/VISA Check Card
  • Monthly eStatements
  • Direct Deposit

Personal Checking

Checking Accounts Interest Opening Deposit Monthly Service Charge Account Features*

StudentEdge Checking

Apply Now

Non-Interest Bearing $25 None
  • Perfect College Account
  • ATM Fee Refunds ($8 Monthly)

Kasasa Cash Checking

Today’s Rates $100 None
  • High Yield Checking
  • ATM Fee Refunds ($25 Monthly)
  • No Minimum Balance to Earn Rewards

Kasasa Cash Back Checking

Non-Interest Bearing $100 None
  • Earn Cash Back on Debit Card Purchases ($10 Monthly)
  • ATM Fee Refunds ($25 Monthly)

Spencer Checking

Apply Now

Non-Interest Bearing $100 $5
How to Waive
  • Low Balance Requirement
  • Paperless eStatements

Spencer Gold Checking

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Today’s Rates $100 None
  • Free Basic Style Checks
  • Safe Deposit Discount (10%)
  • Premium CD Pricing (+0.10%)

Spencer Platinum Checking

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Today’s Rates $100 $15
How to Waive
  • ATM Fee Refunds ($16 Monthly)
  • Safe Deposit Discount (25%)
  • Premium CD Pricing (+0.25%)
  • Loan Discount ($100 Fee Waiver)

Premium Money Market

Apply Now

Today’s Rates $100 $15
How to Waive
  • Limit of 6 External Transfers Per Cycle

*Specific Account Details:

Customer must be 17-23 years of age to qualify for a StudentEdge Checking Account and ATM fee refunds are limited to $8 per month from non-Spencer ATM machines. For Spencer Gold Account, customer must be 55+ years of age to qualify and customer will be charged for the delivery of checks. For Platinum Checking Account, ATM fee refunds are limited to $16 per month from non-Spencer ATM machines.

Kasasa Cash Back Monthly Qualification Cycle Requirements: ATM fee refunds are limited to $25 per month from non-Spencer ATM machines. To earn cash back and ATM fee refunds, per statement cycle you must: conduct 12 debit card transactions which post and clear your account within one statement cycle, have one direct deposit or one automatic ACH debit, establish and maintain a Spencer Online Banking relationship and elect to receive your monthly account statement electronically via Online Banking.

Kasasa Cash Monthly Qualification Cycle Requirements: ATM fee refunds are limited to $25 per month from non-Spencer ATM machines. To earn high yield interest rate and ATM fee refunds, per statement cycle you must: conduct at least 12 debit card purchases which post and clear your account within one statement cycle, have one direct deposit or one automatic ACH debit, establish and maintain a Spencer Online Banking relationship and elect to receive your monthly account statements electronically via Online Banking.

Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Rates are subject to change without notice. Fees could reduce earnings on any of the accounts. Interest payments are rounded to the nearest cent. As a result, low balance accounts may not be paid interest. ATM rebates, discounts and Premium APYs must be initiated by customer. Premium APYs are not available on promotional CDs, IRAs or variable rate products. Available to individuals living or working in New Jersey.

Open Your Account Today

Apply online, visit your local Financial Center, or call us at 1-800-363-8115 today!