Sparkasse Odenwaldkreis in Erbach/Odenwald products, services and reviews

About Sparkasse Odenwaldkreis in Erbach/Odenwald

Sparkasse Odenwaldkreis is a public-law savings bank headquartered in Erbach (Odenwald) and serves the Odenwaldkreis district as part of the Sparkassen-Finanzgruppe. It offers retail and business banking including current accounts, savings and term deposits, overdrafts, consumer loans, mortgage and construction finance, payment services, and cash management for SMEs and municipalities. Securities and investment products are available via group providers such as DekaBank and related brokerage and custody services, and insurance is typically arranged through Sparkassen-affiliated insurers. Distribution combines local branches and self-service terminals across the district with online and mobile banking; common TAN procedures (e.g., app-based and card-reader methods) and strong customer authentication are used, and contactless payments and major mobile wallets are generally supported. Customers can use the nationwide Sparkassen ATM network; fees for accounts, cards, and transactions follow published price lists and vary by product and usage. The institution operates under a local public mandate, with ownership tied to the district, and publishes annual financial statements and disclosures under German regulations. Deposits are protected by the institutional protection scheme of the Sparkassen-Finanzgruppe, recognized under German deposit guarantee rules. Service is accessible via branches, phone, and secure online messaging; card blocking is available through the standard German emergency number 116 116. The offer is geared toward residents and businesses in the region seeking branch access and local credit decisions; potential customers focused on low-cost pricing or specialized trading features should review the fee schedule and compare alternatives before opening an account.