Ersparniskasse Speicher

Ersparniskasse Speicher is a small Swiss savings bank based in Speicher in the canton of Appenzell Ausserrhoden, focused on retail and local small-business banking. It offers standard Swiss products including current and savings accounts, youth accounts, payment services, debit cards, e-banking and mobile banking, as well as mortgages (typically fixed-rate and SARON-linked) and basic lending for households and SMEs. Investment and pension options are usually limited to straightforward solutions such as Pillar 3a and custody or fund access through partners, with no investment banking or capital markets activities. The bank operates a local branch footprint centered on Speicher, provides service primarily in German, and relies on counter service, phone, and digital channels; account opening commonly requires in-person identification and is mainly oriented toward Swiss residents, with non-resident onboarding restricted or subject to additional requirements. Pricing follows the usual Swiss model of account packages, with published tariffs, low-cost or free domestic e-banking payments, and fees for international transfers, over-the-counter transactions, and card services; interest rates on deposits and mortgages are variable and adjusted to market conditions. The bank is licensed in Switzerland, supervised by FINMA, and is a member of the Swiss deposit insurance scheme (esisuisse), which protects up to CHF 100,000 per client per bank. Digital features generally include two-factor authentication, eBill, standing orders, and direct debit; functionality breadth reflects the scale of a regional institution. Customers seeking specific terms, fees, and eligibility should consult the bank’s current price lists and product conditions.