Spar- und Kreditbank Bühlertal eG

Spar- und Kreditbank Bühlertal eG is a regional, member-owned cooperative bank based in Bühlertal (Baden‑Württemberg) that focuses on retail clients and small enterprises in its local catchment area. Its product set typically includes current accounts, savings and term deposits, payment services, debit and credit cards, consumer loans and overdrafts, home financing, and financing solutions for businesses, alongside brokerage of investment, building society, and insurance products via partner institutions. Delivery channels include a branch presence with self-service devices, online banking, and a mobile app with two‑factor authentication; customers can initiate SEPA transfers, set up standing orders, and manage cards digitally. Account and card pricing, transaction fees, and interest conditions are set out in the bank’s price and service schedule and may vary by account model and usage; lending terms depend on creditworthiness and collateral. As a German credit institution, the bank is supervised by BaFin and the Deutsche Bundesbank and applies standard KYC/AML procedures. Retail deposits are protected up to 100,000 EUR per depositor under the German Deposit Guarantee Act; higher coverage may apply only if and where statutory conditions are met. Cooperative membership is available subject to the bank’s statutes, with members holding shares and voting rights under the one‑member‑one‑vote principle. Service offerings, opening hours, and digital features can change; current information is provided by the bank through its official channels.