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® Debit Card
- Monthly eStatements
- Direct Deposit
Personal Checking
| Checking Accounts | Interest | Opening Deposit | Monthly Service Charge | Account Features* |
|---|---|---|---|---|
| Kasasa Cash Checking | Today’s Rates | $100 | None |
|
| Kasasa Cash Back Checking | Non-Interest Bearing | $100 | None |
|
| Spencer Checking | Non-Interest Bearing | $100 | $5 How to Waive |
|
| Spencer Gold Checking | Today’s Rates | $100 | None |
|
| Spencer Platinum Checking | Today’s Rates | $100 | $15 How to Waive |
|
*Specific Account Details:
Kasasa Cash Back Monthly Qualification Cycle Requirements: ATM fee refunds are limited to $25 per month from non-Spencer ATM machines. To earn cash back and ATM fee refunds, per statement cycle you must: conduct 12 debit card transactions which post and clear your account within one statement cycle, have one direct deposit or one automatic ACH debit, establish and maintain a Spencer Online Banking relationship and elect to receive your monthly account statement electronically via Online Banking.
Kasasa Cash Monthly Qualification Cycle Requirements: ATM fee refunds are limited to $25 per month from non-Spencer ATM machines. To earn high yield interest rate and ATM fee refunds, per statement cycle you must: conduct at least 12 debit card purchases which post and clear your account within one statement cycle, have one direct deposit or one automatic ACH debit, establish and maintain a Spencer Online Banking relationship and elect to receive your monthly account statements electronically via Online Banking.
Kasasa Cash and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. Click here for monthly qualification cycle information.
Rates are subject to change without notice. Fees could reduce earnings on any of the accounts. Interest payments are rounded to the nearest cent. As a result, low balance accounts may not be paid interest. ATM rebates, discounts and Premium APYs must be initiated by customer. Premium APYs are not available on promotional CDs, IRAs or variable rate products. Available to individuals who are primary residents of NJ and currently living in NJ or former NJM Bank customers who currently maintain an existing deposit account and who are primary residents of and live in Bucks County, PA.
Open Your Account Today
Visit your local Financial Center, or call us at 1-800-363-8115 today!