- Money withdrawls at anytime
- Printed bank statements
- Choose your own PIN
Decide how much you pay for your checking account: with our classic model, you only pay for the services your actually use! Like this, you can flexibly calculate what you pay.
Individualism at the forefront
With the MeinGirolclassic model, you determine how much you pay for your checking account. Your checking account is as individual as yourself.
Free online-banking access, optional
Free self-service terminal usage
Free electronic bookings
Rebate for our members
- Basic monthly charge: 6,50 Euro
- Paper bookings: 0,75 Euro
- Other bookings: 0,14 Euro
- Five free transactions at the counter per month, each additional booking is 0,75 Euro.
- Dispo interest / overdraft interest rate : 11.50% p.a./16,50% p.a.
You can save up to 2,50 Euro, when you fulfill all of the rebate criteria. At best, you only pay 4,00 Euro for your "classic" account.
I am a member of the Volksbank Kaiserslautern eG
(requirement for the loyalty discount)
|I have regular incoming salary—salary account||0,50 Euro|
I have money investments by my Volksbank
(min. 5,000 Euro)
I have taken out a credit by my Volksbank
(min 5,000 Euro)
I utilize a product from one of the bank partners (R+V Versicherung,
Bausparkasse Schwäbisch Hall, Union Investment, EasyCredit)
I have a Riester contract by my Volksbank
I have a security investment by my Volksbank
|Possible loyalty discount||2,50 Euro|
* Will only be charged if bookings on behalf of or in the interests of the customer are carried out.
** for example, incoming debits, credits will only be charged if bookings on behalf of or in the interests of the customer are carried out
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.