- Possible e-payments
- International money withdrawls
- Recharge your prepaid cellphone
This is our free account model inclusive credit interest for our young customer under the age of 26 years. This is account model, you can also carry out banking business wherever and whenever you want! Around the clock, anywhere in the world. All of this is possible with our flexible online checking account.
The beginning of independence
Whether your earning your own money as an apprentice or as a working student, you need a checking account that best suits your individual needs. From allowances, student loans/funding, and tuition fees, you have everything under control with this checking account.
Free checking account
Credit interest up to 500 Euro credit balance
Electronic bank statements
Inclusive online bookings
You are under the age of 26.
The MeinGiro Start is free with credit interest up to 500 Euro credit balance. If a dispo has been agreed upon, following conditions apply:
|Dispo interest rate||11,50% p.a.|
|Overdraft interest rate||16,50% p.a.|
Legal guidelines for claiming overdraft credits
Customer service has a very high priority for the Volksbank Kaiserslautern eG. Some aspects of the new legal provisions, in connection with overdraft credit offers, are already being used in daily practice. In terms of the legal requirements, the Volksbank Kaiserslautern eG will record additional customer information, regarding the use of overdraft credits, in the interest of our customers.
Regulation by prolonged use of overdraft credits
Customers, who have over a three month timeframe overdrawn their line of credit with an average of 50% of the agreed maximum amount claimed, will be advised in the future. The overdraft credit is intended to improve the financial flexibility for the short term and should be as such. There are optional loan products that are more cost-effective for the specific financing needs for customers who use the overdraft credit for an extended period. The new guidelines are intended to aware these customers of the costs involved. The new regulation will continue simultaneously with the current account submitted, which -as of now- includes information on the accrued interest on debt. In addition, the regulation also includes an indication of the current overdraft credit borrowing rate from the Volksbank Kaiserslautern eG.
For some customers, it is a good opportunity to take advantage of a consulting appointment provided by the Volksbank Kaiserslautern eG.
The new legal advisory duties
Regarding overdraft credits, we refer our customer with consulting service when their overdraft credit
has been continously used over a period of six months
has taken on average, 75% of the agreed maximum amount
We refer our customers, at a tolerated overdraft, consulting services when
the customer has continously used their overdraft credit over a period of three months
the average overdraft credit amount exceeds half of the average monthly salary income within the last three months on the account.
Cost effective financing alternatives will be examined during the consultation. We clarify our affected customers about the consequences of the continued use of an overdraft credit and give appropriate information for further counseling services.