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Personal Banking


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 Features4

StudentEdge Checking3

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

Spencer Checking

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

Spencer Gold Checking3

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Today’s Rates $100 None
  • Free Basic Style Checks2
  • 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 Rebates ($16 Monthly)
  • Safe Deposit Discount (25%)
  • Premium CD Pricing (+0.25%)
  • Loan Discount ($100 Fee Waiver)

Premium Money Market

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

(1) APY=Annual Percentage Yield. Rates are effective December 14, 2018 and subject to change without notice.
(2) Customer will be charged for delivery of checks.
(3) Customer must be 17-23 years of age for StudentEdge Checking and 55+ years of age for Spencer Gold Checking to qualify.
(4) Discounts and Premium APYs must be initiated by customer. Premium APYs are not available on promotional CDs, IRAs or variable rate products. Cash Reserve is subject to credit approval.

Open Your Account Today

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