His name may mean nothing to you. And yet, in 2009, Banque Tarneaud celebrated its bicentenary. Present in several departments of France through its sixty agencies, the establishment offers a complete offer for individuals, companies and professionals. Discover in detail the banking services of the Tarneaud bank: account, bank card, online banking… And also find out about its conditions for opening an account and its prices before becoming a client.
Presentation of the Tarneaud bank
Founded in 1809, Banque Tarneaud is part of the Crédit du Nord group. It is now made up of 67 agencies spread over several departments in western and central France (Creuse, Corrèze, Dordogne, Charente-Maritime, etc.). The management is located in Limoges, in the department of Haute-Vienne.
Banque Tarneaud offers a full range of banking services for individuals, companies and institutions, professionals and associations. In total, more than 540 employees work for the financial institution.
How to open an account at the Tarneaud bank?
Opening an account with Banque Tarneaud is done in a branch. To find the establishment closest to your home, consult the following page: https://www.tarneaud.fr/devenirclient/contenu/multicanal/Contenus/Libres/Vie_de_la_banque/Tarneaud/Agences?m=u&
The necessary documents
To open an account with the Tarneaud bank, you must provide the following documents:
- an identity document (national identity card, passport, resident card);
- proof of address (rent receipt, gas or electricity bill, etc.);
- proof of income (pay slip or employment contract).
If you are a non-resident, you absolutely must assert your status by providing the bank with proof of tax residence abroad (certificate of residence, copy of the foreign income tax notice or, failing that, , a certificate of residence issued by a town hall or a consulate).
And as far as minors are concerned, they must be accompanied by their legal representative, who will prove his status via the family record book, an identity document or an extract from a birth certificate.
Banking services offered by Banque Tarnaud
The Star Convention
The Etoile Convention is a tailor-made offer intended for individual customers. In addition, the service allows you to choose your bank card as well as the services you need.
For credit card, select:
- the range: Visa Classic, Premier, Platinum or Infinite;
- the visual ;
- your confidential code;
- the ceilings. The choice is made in real time from the mobile application;
- contactless payment up to 30 euros of purchase.
And in terms of banking services included, take advantage of exemption from day-to-day operations (account maintenance fees, reissue of the card’s secret code, etc.), online banking (consultation of accounts, carrying out banking operations, safe electronic box, account management, etc.).
Finally, there are three personalized modules: family (accidental death insurance and dedicated offers for children), international (payment and withdrawals at advantageous rates outside the euro zone), savings (accidental death insurance and reduction on savings products ).
Banque Tarneaud offers its customers six different bank cards of various ranges:
- the youth card for 12-18 year olds;
- the Visa Electron: international payment and withdrawal card;
- the Visa Classic to carry out transactions in France and abroad;
- the Visa Premier to take advantage of extended withdrawal and payment limits;
- the Visa Platinum with very extensive withdrawal and payment limits. This is a high-end CB;
- Visa Infinite: withdrawals and payments in France and abroad, and enhanced insurance and assistance services.
With online banking, you can stay connected to your bank no matter where you are. Thanks to the Tarneaud bank website and smartphone and digital tablet applications, consult and manage your accounts remotely.
To note : there is also the Etoile Direct service (by telephone) and the Etoile Infos offer. This last service allows you to be alerted by SMS of the evolution of your main account.
An offer dedicated to customers in a situation of financial fragility
Tarneaud bank customers who encounter financial difficulties can benefit from a dedicated offer. This contains essential services for the management of your accounts as well as reduced and capped intervention commissions.
Banque Tarneaud has several savings products:
- savings accounts;
- PEL and CEL;
- life insurance ;
- pension saving ;
- stock savings plan;
- accounts titles ;
- Sicav, FCp and OPCI.
In terms of borrowing, Banque Tarneaud allows subscription to:
- a revolving credit;
- a mortgage loan;
- a personal loan;
- a long-term rental;
- a pool of credits.
Then, in terms of pensions, the financial institution pays for:
- accidental and all-cause death;
- the accidents of life;
- the addiction ;
- a funeral fund;
- legal protection.
Finally, the organisation’s private customers have the possibility of taking out several insurance policies:
- home insurance;
- Car Insurance ;
- remote monitoring;
- means of payment insurance.
Tariffs of the Tarnaud bank
In the ranking of the 127 least expensive banks, Banque Tarneaud rose to 123th square.
Maintaining a standard account costs 28 euros per year. And count 30 euros per year for an inactive account. And as far as the Internet subscription is concerned, it is not a free service. He charges 2 euros per month. As for the SMS alert, it comes in the form of a flat rate of 3 euros per month allowing you to receive up to 6 SMS. Finally, the cost of insurance for the loss or theft of means of payment amounts to 36 euros per year.
Access your online account: how to do ?
To access online banking services, you must have an identifier, given by your adviser, as well as a confidential code, sent by mail.
Consult the guide to smartphone and digital tablet applications to access your bank accounts from these media: https://multimedia.groupe-credit-du-nord.com/media/guide-application/?code=10558