CAISSE D'EPARGNE ET DE PREVOYANCE HAUTS DE FRANCE

Caisse d’Epargne et de Prévoyance Hauts de France is a regional cooperative bank serving the Hauts-de-France area and operating within Groupe BPCE. It offers standard French retail and professional banking services: current accounts, domestic and SEPA payments, savings products (including regulated accounts such as Livret A, LDDS, and LEP subject to eligibility), housing savings plans (PEL/CEL), term deposits, consumer credit, mortgage loans, and insurance and investment solutions distributed through the group. Payment services include debit and credit cards on major networks, contactless payments, and support for widely used mobile wallets, alongside online and mobile banking with strong customer authentication under PSD2 (notably via Secur’Pass) and 3-D Secure for e-commerce. The bank serves individuals, professionals, SMEs, associations, and public-sector or social-housing actors, with a branch and ATM footprint concentrated in the Nord, Pas-de-Calais, Somme, Oise, and Aisne departments and remote servicing via digital channels and telephone. Pricing follows published fee schedules with packaged offers and à la carte options; conditions such as maintenance fees, card fees, overdraft rates, and early repayment charges depend on the chosen package and product terms. As a licensed French credit institution, it is supervised by the ACPR (and within the SSM framework) and participates in the French deposit guarantee scheme (FGDR) covering eligible deposits up to €100,000 per depositor, per institution; investment products and insurance contracts follow the protections of their respective regimes. As a cooperative, the bank may offer sociétaire shares to clients; these are equity instruments with capital risk and are not covered by the deposit guarantee. Account opening typically requires standard KYC documents and may be subject to residency and product-eligibility constraints. The bank’s regional focus provides local coverage in its territory but not outside it.