Banque CIC Est

Banque CIC Est is the eastern regional arm of CIC (Crédit Industriel et Commercial), part of Crédit Mutuel Alliance Fédérale, serving individuals, professionals, and corporates across the Grand Est and Bourgogne–Franche-Comté regions via branches and digital channels. Its offer includes current accounts; French regulated savings (Livret A, LDDS, LEP subject to eligibility), PEL/CEL, and term deposits; payment services with debit/credit cards (immediate or deferred debit), contactless and mobile wallet compatibility, and domestic and international transfers; consumer credit, mortgages, and insurance products distributed through group entities; investments such as brokerage, funds, and life insurance (assurance‑vie), with advisory governed by MiFID II; and business services including cash management, merchant acquiring, leasing and factoring, trade finance, and international support. Pricing is set by published tariffs and varies by account package, card type, and usage; online SEPA transfers are typically included or low‑cost, while international transfers, off‑network withdrawals, and card incidents carry fees; savings remuneration and lending rates are variable and, for regulated products, subject to statutory rules. The bank is supervised by the ACPR and the ECB under the Single Supervisory Mechanism; deposits are protected by the French deposit guarantee scheme (FGDR) up to €100,000 per depositor per institution, with separate investor and insurance guarantees applying to securities and life insurance. Digital banking provides strong customer authentication, card controls and alerts, e‑documents, transfers (including instant transfers where available), and remote onboarding for selected products, though some operations and account openings may require a branch visit, and conditions can vary by location and customer profile. As a regional full‑service bank, it is not positioned as an online‑only provider, and non‑resident or cross‑border clients may face additional documentation and eligibility checks. Prospective customers should consult the latest fee schedule and product terms on the bank’s website or in branch and assess suitability against their expected usage.