Bank EKI Genossenschaft

Bank EKI Genossenschaft is a Swiss cooperative bank headquartered in Interlaken, serving private and business clients in the Bernese Oberland. Its core services cover everyday banking (payment and savings accounts, debit cards and credit cards via partners), mortgage lending including fixed-rate and SARON-linked options, basic investment and custody services, and voluntary pension solutions (pillar 3a) typically offered via partner foundations. Customers can use e-banking and a mobile app for standard account and payment tasks, with in-person service available through its regional branch network. As a cooperative, clients may acquire participation certificates and exercise voting rights at the general meeting; any return on participation capital is subject to results and approval. The bank is supervised by FINMA and participates in the esisuisse deposit insurance scheme, which protects eligible deposits up to CHF 100,000 per client per bank. Fees, interest rates, and product conditions are set out in published tariffs, and access to products depends on domicile and regulatory requirements. The balance sheet profile is typical of a regional lender, funded largely by customer deposits and concentrated in residential mortgages, linking risk to the local real estate market; nationwide coverage, cross-border capabilities, and specialized investment offerings are correspondingly limited. Communications and documentation are primarily in German.