Important Notice
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  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

Spencer Gold Checking

This personal checking account is perfect for anyone 55 years of age or older that wants all the advantages of our Spencer Checking account with the ability to earn interest and more. Enjoy the benefits of free basic style checks, discounts on safe deposit boxes and premium CD pricing.

Spencer Gold Checking features:

  • $100 Minimum Opening Deposit
  • $100 Daily Minimum Balance to Earn Interest
  • Free Online Banking
  • Monthly eStatements
  • Free Bill Pay
  • Free ATM/VISA® Check Card
  • Free Basic Style Checks*
  • Safe Deposit Box (10% Discount)
  • Premium CD Pricing (+0.10%)
Apply Now

*Customer will be charged for delivery of checks.

Open Your Account Today

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