Business Checking
At Spencer, we pride ourselves on being the private banker for your business needs. We'll give a level of attention and expertise that you will find refreshing, especially in today's world of business banking.

• Minimum balance $500 to avoid maintenance fee
• Maintenance fee $15
• 200 free debits - $.25 per item over 200

Commercial Checking
Our commercial checking account is ideal if you keep high balances and have a lot of activity. We are able to offset fees by applying an earnings credit on the average daily investable balance and apply that credit against any activity fee.

• Minimum balance to open $100
• Maintenance fee $12
• $.15 per check fee
• $.25 per deposit fee
• $.10 per deposited item fee
• Earnings credit on the average daily investable balance