In operation for more than 65 years, Spencer Savings Bank is a community bank that serves local consumers and businesses in New Jersey. It offers a range of personal and business banking products and services, as well as operates over 15 branches. The bank maintains a call center that offers electronic and online banking services. It also operates a network of ATMs. Spencer Savings Bank provides safe-deposit boxes, money orders, bonds, and credit and debit cards. The bank offers night depository, cash management and merchant services. It provides various checking, savings and individual retirement accounts. In addition, Spencer Savings Bank offers a variety of loan and mortgage products.