Spencer Savings Bank, Savings and Loan Association Routing Number

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the Spencer Savings Bank, Savings and Loan Association routing number?

The Spencer Savings Bank, Savings and Loan Association routing number is 221271951. It is the primary ABA routing transit number registered to Spencer Savings Bank, Savings and Loan Association, headquartered in Elmwood Park, NJ. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 8, 2026.

What is the Spencer Savings Bank, Savings and Loan Association wire routing number?

This page lists 221271951, the primary routing number registered to Spencer Savings Bank, Savings and Loan Association. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with Spencer Savings Bank, Savings and Loan Association before sending a wire.

Is ABA number 221271951 the routing number for Spencer Savings Bank, Savings and Loan Association?

Yes. ABA number 221271951 is the primary routing number registered to Spencer Savings Bank, Savings and Loan Association. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 221271951?

Routing number 221271951 belongs to Spencer Savings Bank, Savings and Loan Association, headquartered in Elmwood Park, NJ. It is the bank's primary ABA routing number (FDIC certificate 30076).

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