Minimum Opening Deposit
A $25.00 deposit is required to open this account.
$25.00
Account Restrictions
Students
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
This account includes rebates of any ATM fees you incur when you use a non-affiliated ATM, up to $8.00 in rebates per month.
Yes
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, receive alerts;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Free thru PopMoney
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- The bad news that your account balance is below $0.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$5.00/month
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $34.00 per overdraft.
$34.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.
Available
About Spencer Savings Bank
From Spencer Savings Bank's website: "Spencer Savings Bank is a full service, mutually owned and operated, community bank headquartered in Elmwood Park, NJ. For more than 100 years, Spencer has been maintaining its distinct image of trust, security and commitment to our customers." Operating 18 branches in New Jersey, Spencer Savings Bank offers personal and business deposit, loan, and investment services.