«Kuban Universal Bank" - a relatively small but reliable financial market participants.It is a regional institution headquartered in the city of Krasnodar.Of financial institutions managed by the local administration.Bank customers are people living in the region.Their reviews of the institution is very positive, as the level of service is quite high.
main activities
«Kuban Universal Bank" actively participates in the implementation of not only economic, but social and urban programs.The main activity of institutions - is to work with corporate clients, their services and lending.Funding for the Institute is carried out largely by contributions from individuals.Their volume is equivalent to 40.88% of all assets.The majority shareholder of the Institute is the Administration of Krasnodar.According to the bank's clients, a limited list of services without the specific products and proposals to fully satisfy the needs of the population.Deposits and loans are granted at favorable interest rates.Money transfers and payments are not accompanied by large commissions.The list of bank cards can satisfy all the needs of its customer base.
approach to corporate clients
«Kuban Universal Bank" operates in the financial market since 1994.In the 21 years of work the number of corporate customers is increasing.Initially independent credit and financial education was meant to address the issues at the municipal level.Today, financial services institutions are municipal and commercial enterprises, trading companies and the structure of medium and small businesses, individuals and non-profit community organizations.Most clients say that every bank customer service quickly builds a productive and mutually beneficial relationship.Professionals working for a long time in the banking sector, are perfectly approach to each, as productively solving actual problems.
Membership in public organizations
«Kuban Universal Bank" is a full member of Visa International, member of the Association of Regional Banks and the Association of Russian banks act as participants of the deposit insurance system.In 2010, the financial institution has become a full member of the Guarantee Fund to support small businesses.Affiliation state level, as well as numerous positive reviews on partnership with financial institutions indicate a high level of work and support a good reputation.
financial assistance to private clients
financial institutions that operate in the region and have a network of small, often have high credibility.Not an exception and this financial institution (Krasnodar)."Kuban Universal Bank", with only two additional office copes with its obligations.How to tell customers all the financial transactions made in the regulatory deadlines, no delays and postponements.Small entrepreneurs are particularly satisfied with the financial institution, as any reporting and payment transactions are carried out quickly.In comparison with the giants of the financial market, "Kuban Universal Bank", reviews of which are presented in a positive way, despite the small authorized capital (669.96 million rubles), is not experiencing difficulties with liquidity.Liabilities to the population as performed before the crisis of 2014, and performed today.
attractive investments and quality service
Many investors respond well to attractive deposit programs.Special attention surrounded by new products:
- contribution "Thaw." Term of deposit - 200 days.The interest rate is 16%, which is much higher than that offered by many other financial institutions.Payment of accumulated profits made at the end of the contract.
- contribution "Business people". The validity of the deposit is 400 days.In the first 200 days of contribution in the partnership will be charged interest at a rate of 14%, in the second half of his interest on the deposit will be equal to 16%.Interest payment is made at the end of each quarter, with capitalization.
It should be said that with the beginning of the crisis in Russia, at a time when the dollar began to grow extremely rapidly, many customers of the bank in a panic began to withdraw their deposits.Despite the relatively large number of appeals, "Kuban Universal Bank" deposits paid on demand all.No delays.The work was done in the regulatory deadlines.
Remote maintenance
Like many financial institutions, Krasnodar Bank offers its customers internet banking service.Without leaving your home, through a personal account, you can use most of the available banking services.Individuals celebrate convenience of payment services, the benefits of cooperation with online shopping and the benefits of making payments online.This saves time and money.
support around the clock.Entrepreneurs and business people speak positively about the possibility of paying taxes and fees, make payments with the details.From the customers of the financial institution received information that the service from late February to early March, he worked intermittently.This caused not only inconvenience but also resentment.On the other hand, on the possible technical failures reported on the official website of the bank.At the moment, the problem is completely eliminated, and the service is running in full mode.
What customers say about online banking?
After receiving the card at the bank, many clients are currently issued in private rooms online system.According to many people, the functionality allows without any complications to pay utility bills, make deposits on the phone and pay fees for landline phone and Internet.
Many were pleasantly pleased service for automatic commission payments, according to which in due time to the specified amount from the customer's account debited and funds are diverted in the right direction.Moreover, one of the clients wrote to thank for the fact that through the service could not even pay for the child's lessons at a music school.
Minor complexity
Pushkinskaya street, 36 - the address of the "Kuban Universal Bank".ATMs are located throughout the institution Krasnodar, and there are 10 pieces.Repeatedly recorded customer outrage caused by the failure of performance of ATMs.If you thoroughly understand all the complaints were related to the device, which is located in Red Square.Numerous comments on the non-working condition of the equipment quickly attracted the attention of employees of financial institutions.As it turned out later, the problems were related to the security provider.Immediate reaction to the signals allowed customers to quickly resolve the issue.
Great Commission, or how to protect against loss?
«Kuban Universal Bank" (Krasnodar), addresses of offices which find a very simple, like all financial institutions, charges a fee for withdrawing cash from ATMs that do not belong to the structure of the bank and are not included in the number of partner financial institutions.The minimum size of the commission of 100 rubles.This point is described in the Partnership Agreement, although in very small print.Some bank customers were unpleasantly surprised to $ 100 when removing them from the account written off 200. This situation has caused considerable resentment and negativity.On the other hand, if you show care and only use ATMs partner financial institution, no problem.CB "Kuban Universal Bank" (LLC) offers its customers to withdraw their money from the card directly into the compartment that completely eliminate additional fees.It is, though uncomfortable, but it will help get rid of unplanned expenses.The Commission - is one of the few negative aspects facing clients and to which many turned a blind eye, as the other benefits of partnerships to easily compensate for the moment.
