Kreissparkasse Eichsfeld products, services and reviews

About Kreissparkasse Eichsfeld

Kreissparkasse Eichsfeld is a German public-law savings bank headquartered in Heilbad Heiligenstadt and part of the Sparkassen-Finanzgruppe as well as the regional association Sparkassen- und Giroverband Hessen-Thüringen. It concentrates on retail and SME banking in the Eichsfeld district, operating a local branch and self-service network and providing access to the nationwide Sparkassen ATM network. The offering includes current accounts with tiered pricing, savings and term deposits, overdrafts, consumer loans, residential mortgages, and business accounts and financing, including promotional programs via KfW and, where applicable, regional schemes. Securities services are available through custody and brokerage with access to DekaBank investment products and related advisory, and insurance is brokered via Sparkassen-affiliated providers (e.g., SV SparkassenVersicherung). Payments coverage spans SEPA and international transfers, girocard and credit cards (Visa/Mastercard), contactless and mobile payments (including support for common wallet services where eligible), and merchant services such as POS terminals and acquiring for business clients. Digital channels include online banking and the Sparkasse mobile app with PSD2 strong customer authentication (pushTAN or chipTAN), secure messaging, and online appointment booking; remote account opening is offered subject to identification and eligibility. Fees generally apply for account maintenance, cards, withdrawals at third-party ATMs outside the Sparkassen network, overdrafts, and selected branch services, with conditions varying by account model and customer segment. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, which is recognized as a deposit guarantee scheme under German law; statutory coverage up to 100,000 EUR per depositor applies. As a municipal institution, ownership lies with the Eichsfeld district, and the bank is subject to the Thuringian savings bank act alongside prudential supervision by BaFin and the Deutsche Bundesbank. Service scope, product availability, and cash counter hours can differ by location and are updated periodically, so customers should consult the current price and service list and regulatory disclosures before entering into accounts or investment services.