Clientis Bank Oberuzwil AG

Clientis Bank Oberuzwil AG is a Swiss regional bank based in Oberuzwil (canton of St. Gallen) operating under the Clientis brand, a network of independent regional banks. It is incorporated as an Aktiengesellschaft and licensed as a bank under the Swiss Banking Act, supervised by the Swiss Financial Market Supervisory Authority (FINMA). The bank participates in the statutory Swiss deposit insurance scheme (esisuisse), which protects eligible deposits up to CHF 100,000 per client per bank. Its business model centers on local retail and SME banking, offering current and savings accounts, payment services, debit and credit cards, e-banking and mobile banking, mortgages and real-estate financing, consumer and business loans, custody and investment advisory services, and private pension products. International capabilities cover SEPA transfers in euros and cross-border payments in major currencies. Distribution combines branch-based service in its catchment area with remote channels, and account opening and product access are generally limited to clients with sufficient ties to Switzerland in line with regulatory and risk policies. Pricing follows standard Swiss practice, with account and card packages subject to maintenance fees, charges for domestic and cross-border payments and cash services, custody and transaction fees for securities services, and mortgage conditions determined by product type, term, and credit profile. The institution publishes audited annual financial statements and key figures in accordance with Swiss regulatory disclosure requirements and applies standard AML/KYC and data protection rules; its activities are focused on traditional deposit-taking and lending rather than capital markets or investment banking.