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  Coronavirus Update

We are offering a SBA Paycheck Protection Program to support our business customers. Read More

On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. Among other forms of economic aid, the CARES Act provides businesses affected by COVID-19 with special assistance programs. One such Small Business Administration (SBA) program is the Paycheck Protection Program, which assists businesses with job retention and specific expenses. Spencer Savings Bank is proud to partner with FOUNTAINHEAD Commercial Capital / Small Business Finance, a top national SBA lender, to offer the Paycheck Protection Program for businesses in need. Click on the link below to fill out our short internal application form. After completing the form you will be directed to Fountainhead’s website with more information. Internal Application

When completing the application, on the Fountainhead website, please indicate Spencer Savings Bank as the FastTrack Partner, and as the Referral Partner’s email address.

Kasasa Cash Back Checking

Kasasa Cash Back is a great account for someone that loves to shop and get paid for it. Earn cash back on debit card purchases — giving you a little something extra back in your pocket each month. To sweeten the deal, we will even refund some of your monthly ATM fees. It’s the smart account choice for the savvy shopper.

Cash Back

Kasasa Cash Back Checking features:

  • No Minimum Balance Requirements
  • ATM Fee Refunds (Monthly Limit of $25)
  • Free Online Banking & Bill Pay
  • $100 Minimum Opening Deposit
  • Free ATM/VISA® Check Card
  • Monthly eStatements
  • Earn Cash Back on Debit Card Purchases (Monthly Limit of $10)

Open Your Account Today

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


*If Kasasa Cash Back Checking account qualification requirements are met, the following will apply: (a) account holder will earn 5% cash back ($10 max per month) on debit card purchases that post and clear your account within one statement cycle and (b) nationwide ATM fees up to $25 monthly will be refunded. If you do not meet the qualification requirements for a statement cycle, your account will still function as a checking account; however, it will not receive cash back nor will ATM fees be refunded. No minimum account balance required, however, you must deposit a minimum of $100 to open this account. Available to personal account holders only. Rewards are variable and may change after account is opened. Fees may reduce earning on the account. To earn 5% cash back and ATM fee refunds, per statement cycle you must: (a) conduct 12 debit card transactions; (b) have one direct deposit or one automatic ACH debit; (c) establish and maintain a Spencer Online Banking relationship; and (d) elect to receive your monthly account statement electronically via Online Banking. ATM transactions do not qualify as debit card transactions. Cash back payments will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Available to individuals who live or work in NJ. Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Click here for monthly qualification cycle information.