Spencer Savings Bank, SLA

Headquarters: Elmwood Park, New Jersey
Charter: Bank
Assets: $4.0B
Fed district: New York

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12, the middle of its prices
Spencer Savings Bank, SLA: $5 to $15
Spencer Savings Bank, SLA: $5 to $15
U.S. median: no median
NSF / Returned Item
Spencer Savings Bank, SLA: $34
Spencer Savings Bank, SLA: $34
U.S. median: no median
Wire Transfer (Domestic Out)
Spencer Savings Bank, SLA: $30
Spencer Savings Bank, SLA: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Spencer Savings Bank, SLA’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Charge$15
per month
Monthly Service Charge$5
per month
Monthly Service Charge$12
per month
Inactivity Fee$5
per month
Account Research - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Statement Reconciliation - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Check/EFT Item$34

Wire Transfers

Domestic Outgoing Wire$30
Incoming Wire$15
Not compared: Monthly charge, not per item
per month
International Outgoing Wire$50

Check Services

Official/Bank Check$10
Stop Payment$30
Counter/Temporary Check$5
per item
Temporary Checks (3 per page)$5
per item
Account Research Copies - Per Item$5
per item

Cash & Deposit

Returned Deposited Item$15

Account Services

In A Statement Cycle: 10x10$175
New Jersey Consumer Checking: 5x5$55
Safe Deposit Box - Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box - Late Payment$10
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 3x10$70
Not compared: Monthly charge, not annual
per month
Safe Deposit Box 3x5$40
per year
Safe Deposit Box Drilling$300
Not compared: Box drilling or key fee
Levy - Legal Papers Served$150
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Trustee-to-Trustee Transfer$50

Gift & Prepaid Cards

Visa® Gift Card$5

Other Fees

Account Research Copies - Per Item$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge	$15	per month	None
Monthly Service Charge	$5	per month	None
Monthly Service Charge	$12	per month	None
Inactivity Fee	$5	per month	None
Account Research - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Statement Reconciliation - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Check/EFT Item	$34	Not stated	None
Wire Transfers
Domestic Outgoing Wire	$30	Not stated	None
Incoming Wire	$15Not compared: Monthly charge, not per item	per month	None
International Outgoing Wire	$50	Not stated	None
Check Services
Official/Bank Check	$10	Not stated	None
Stop Payment	$30	Not stated	None
Counter/Temporary Check	$5	per item	None
Temporary Checks (3 per page)	$5	per item	None
Account Research Copies - Per Item	$5	per item	None
Cash & Deposit
Returned Deposited Item	$15	Not stated	None
Account Services
In A Statement Cycle: 10x10	$175	Not stated	None
New Jersey Consumer Checking: 5x5	$55	Not stated	None
Safe Deposit Box - Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Late Payment	$10Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 3x10	$70Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box 3x5	$40	per year	None
Safe Deposit Box Drilling	$300Not compared: Box drilling or key fee	Not stated	None
Levy - Legal Papers Served	$150Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Trustee-to-Trustee Transfer	$50	Not stated	None
Gift & Prepaid Cards
Visa® Gift Card	$5	Not stated	None
Other Fees
Account Research Copies - Per Item	$5	per item	None

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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