Spencer Savings Bank is a leading New Jersey-based community bank headquartered in Elmwood Park, N.J. For over 100 years, they have been serving their local communities with integrity and pride. Roots matter, because they mean experience. They mean real insight into what makes their communities strong. Bank offers: Personal Checking and Savings Products, Business Products and Services, Online and Mobile Banking, Commercial Lending, Residential Lending, Home Equity Products, Equipment Financing, Government Banking, Community Service and Relationship Nurturing.