Spencer County Bank Online Banking Login

Spencer County Bank was formerly known as Lake State Bank. It provides both personal and commercial banking services. Spencer County Bank was founded in 1907 and has its headquarter in Santa Claus, Indiana.

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Spencer County Bank Online Banking is a fast, free and secure service offered to the customers to enable them to access their finances easily. It is available 24-hours, 7 days from any location as long as you have a web-enabled device and internet access. Online Banking saves your time and helps you avoid unnecessary trips to the bank offices. With an online banking account, you can manage a number of banking services without adding another task to your already-full schedule. Consider the steps below to enrol, log in and reset a forgotten password.


To login into your online account, you require your valid login credentials. The guide below will help you access your account on PC:

Step 1- Open this link http://www.spencercountybank.com/ to access Spencer County Bank website

Step 2- In the homepage, enter your Username and Password, then click Login 

After your login credentials are approved, you will be able to proceed with online banking transactions.


If you have problems remembering your password, please follow the steps outlined below to reset it:

Step 1- In the homepage, click Forgot Password? link to begin the password reset process

Step 2- Enter your Access ID, Last 4 digits of Social Security number and email address then click Reset Password 

You will receive a new password via your online banking email address.


Any customer with an account in Spencer County Bank can enroll in online banking service through the simple enrollment steps outlined below:

Step 1- In the homepage, click Enroll Now link to begin the enrollment process

Step 2- Provide the requested enrollment details, then click Enroll 

After the credentials are processed and approved you will have set up your online account.


Online banking users at Spencer County Bank can:

  • Retrieve account statement
  • Make funds transfer online
  • Make online loan payments
  • See transaction history
  • Make bill payment online
  • Download transactions

Federal Holiday Schedule for 2023 & 2024

These are the federal holidays of which the Federal Reserve Bank is closed.
Spencer County Bank and other financial institutes are closed on the same holidays.

Holiday 2023 2024
New Year's Day January 2 January 1
Martin Luther King Day January 16 January 15
Presidents Day February 20 February 19
Memorial Day May 29 May 27
Juneteenth Independence Day June 19 June 19
Independence Day July 4 July 4
Labor Day September 4 September 2
Columbus Day October 9 October 14
Veterans Day November 10 November 11
Thanksgiving Day November 23 November 28
Christmas Day December 25 December 25


  1. Anonymous

    Trying to figure out why I have online banking when the bank is offline so often. I used to call the bank all the time for my information and it’s starting to get to the point where it’s easier to do that

  2. Anonymous

    Will not let me log in. It use to be so simple, what happen?

  3. Dan Moore

    Outdated info. They have a new website.

  4. LaVerne Grundhoefer

    so stupid cannot login takes you everywhere does not remember password

  5. Jacque Hasty

    So hard to find log in

  6. david j emerson

    spencer county bank has not had it’s servers online for nigh a week. i can’t pay bills. boooo!


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