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  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

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!