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How does Die Zweite Sparkasse work? People who have got into financial difficulties and are denied access to an account with any other bank but who are making an effort to solve their problems will be recommended to Die Zweite Sparkasse by counselling organisations. Based on this recommendation, they will obtain an account without an overdraft facility, which, for now, is limited to three years. The bank charges a low fee of EUR 9.00 per quarter for the account, but this sum is treated as a deposit and is returned to the customers as soon as they switch to another bank. Customers may use their bank cards to make cashless payments worldwide (Maestro) and withdraw or deposit money using all electronic terminals and ATMs available in the foyers of Erste Bank and the savings banks. The bank card may also be used to print out statements. The customer can set up standing orders free of charge and make transfers. As soon as he or she has overcome his or her financial crisis and holds a bank account with another bank, the account at Die Zweite Sparkasse is closed. |
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