Sparkasse Miltenberg-Obernburg

Sparkasse Miltenberg-Obernburg was a public-law savings bank for the Miltenberg/Obernburg region in Lower Franconia (Bavaria) and part of the Sparkassen-Finanzgruppe with a regional service mandate focused on retail and SME banking; as of 2022 it was merged into Sparkasse Aschaffenburg Miltenberg, with customers and operations continuing under the successor name. Its offering covered current accounts with tiered monthly account-management fees, savings and term deposits, debit cards (girocard/Sparkassen-Card), credit cards (Visa/Mastercard) issued via the Sparkassen network, consumer and real estate financing, business loans and working-capital facilities, standard payment services (SEPA transfers, direct debits, standing orders), securities custody and brokerage linked to DekaBank products, and insurance distributed through affiliated public insurers. Access channels included local branches and self-service terminals in the service area, online and mobile banking with chipTAN/pushTAN, contactless payments and support for common mobile wallets (Apple Pay and Google Pay, where enabled), and withdrawals via the nationwide Sparkassen ATM network; cash withdrawals at own-network ATMs were generally free for account holders, while third-party ATM use could incur fees. Pricing for accounts and transactions depended on the chosen model, and lending terms were based on creditworthiness and collateral; securities services involved custody fees and trading commissions according to the published price schedule. As a member of the Savings Banks Finance Group, the institution participates in the group’s Institutional Protection Scheme (Haftungsverbund), which is recognized as a deposit guarantee scheme; the statutory coverage level of up to 100,000 euros per depositor applies, with the IPS designed to prevent insolvency. The bank was supervised by BaFin and the Deutsche Bundesbank and served private customers, the self-employed, small and medium-sized enterprises, and municipal/public-sector clients within its defined territory.