From daily operations to long-term strategy, we provide the tools and expertise to move your business forward.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
When you need to visit us in person, our branches are there for you.
Locate a branch Near youAccess your Spencer Business Bank account(s) 24/7. Hassle free
Access online bankingSmall business financing made easy with our online application.
Apply NowEarn competitive interest rates while maintaining easy access to your funds. Minimum deposit of $25,000 required with rates up to 3.00% APY.
No-Penalty Certificate Special. Lock in a great rate with our special 11-month CD offering. Enjoy 5.00% APY with a minimum deposit of $1,000. Limited time offer.
Get competitive rates starting at 6.25% APR for qualified borrowers. Low down payment options and flexible terms available.
Your financial strategy is already backed by a comprehensive suite of services that deliver clarity, security, and long-term value. From streamlined personal and business banking to robust credit solutions, investment advisory, and seamless digital access—every offering is designed to operate with precision and efficiency. You can expect consistency, discretion, and the financial insight required to keep you steps ahead.
Designed to handle high-volume transactions and cash flow management with ease. Access flexible account structures, robust reporting, and seamless integration with treasury tools.
Commercial Savings & Money Market AccountsEarn competitive returns while preserving liquidity. Ideal for managing reserve capital or short-term strategic funds with FDIC protection and tiered interest options.
Lockbox & Remote Deposit CaptureAccelerate receivables processing and reduce manual handling. Our solutions streamline incoming payments, improve funds availability, and enhance audit readiness.
ACH & Wire TransferExecute high-value or recurring payments securely and efficiently. Access same-day ACH, international wires, and dual-control features with full audit trails.
Enterprise-level platforms for account management, approvals, and reporting. Built with advanced encryption, customizable user roles, and mobile accessibility.
Integrated Payables & ReceivablesCentralize disbursements and receivables into a single, efficient workflow. Supports ACH, checks, wires, virtual cards, and invoice reconciliation.
Fraud Protection & Authentication ToolsProtect your accounts and transactions with layered security, multi-factor authentication, positive pay, and real-time alerting systems.
Business Credit & Purchasing CardsEmpower teams with spend control and transparency. Customizable credit limits, expense tracking, and centralized reconciliation.
Flexible financing for operational growth, working capital, or acquisitions. Structured with competitive rates and terms to align with your cash cycle.
Real Estate & Construction FinancingEnd-to-end financing for owner-occupied and investment properties. We support land acquisition, development, and construction with phased funding and draw management.
Equipment FinancingPreserve capital while acquiring essential business assets. Tailored loans and leases help optimize depreciation and tax treatment.
Government & Municipal LendingDedicated expertise in public finance, offering tailored funding for infrastructure, facilities, and capital improvement projects.
Asset-Based LendingUnlock liquidity from receivables, inventory, or other collateral. Structured solutions provide access to capital based on the strength of your balance sheet.
Automatically and syncs with bank accounts and credit cards to provide instant updates on spending, helping users stay aware of their all daily transactions.
Discretionary and non-discretionary investment strategies tailored to your risk profile, return objectives, and governance framework. Portfolio Strategy & Risk Assessment
Ongoing portfolio diagnostics and scenario planning to align investments with strategic objectives and regulatory requirements.
Endowment & Foundation AdvisorySupport for nonprofit and philanthropic entities with fiduciary responsibility, investment policy development, and long-horizon asset allocation.
Trust & Fiduciary ServicesSecure, impartial administration of trusts and estates. Our team ensures compliance, succession continuity, and beneficiary stewardship.
Retirement Plan Services (401(k), 403(b), etc.)Comprehensive retirement plan design and administration. Includes fiduciary support, participant education, and compliance consulting.
Automatically and syncs with bank accounts and credit cards to provide instant updates on spending, helping users stay aware of their all daily transactions.
Our Coporate banking solution offers a seamless and intuitive user experience, making it easy for individuals and businesses alike to manage finances, streamline invoicing, and automate payroll. Take control with our 3-step approach to smarter financial management.
Link your bank, credit card or investment accounts to automatically track transactions and get a complete financial overview
Define your spending limits and savings goals for categories like groceries, bills or future investments to stay on track.
Check your financial dashboard for regular updates and set up automatic payments or savings to simplify management.
Yes, this finance apps use bank-level encryption, multi-factor authentication, and other security measures to protect your sensitive information.
Yes, this finance apps use bank-level encryption, multi-factor authentication, and other security measures to protect your sensitive information.
Yes, this finance apps use bank-level encryption, multi-factor authentication, and other security measures to protect your sensitive information.
Yes, this finance apps use bank-level encryption, multi-factor authentication, and other security measures to protect your sensitive information.
Yes, this finance apps use bank-level encryption, multi-factor authentication, and other security measures to protect your sensitive information.
Our finance apps and software are powerful tools for managing personal or business finances, helping users stay organized, track financial health, and make informed decisions.
