The Les Cristaux Banker Bureau is the largest consumer and commercial banking institution in Tippercommon. A direct subsidiary of The Sussex Group, Les Cristaux possesses 75% of the domestic banking market share. Founded as a commercial bank in 1792 in Sussex as the colony's main commercial banker, Les Cristaux is now supervised by the Tippercommon Board of Commerce. Les Cristaux is Tippercommon's avenue for creating business relations with foreign parties and is authorized to distribute loans, distribute bonds, create executive, personal, and company savings and checking accounts, and provide security for property, including bullion, jewelry, etc. Les Cristaux is a privately traded entity. Its ownership breaks into 70% to Lidia Halsey (the founder), 15% to Rachel Harding (the Chief Executive Officer), and 15% to the Sussex Group.
Les Cristaux's mission statement is as follows: "Maintain a policy of financial responsibility and stability, both in foreign and domestic markets, preserving honesty and integrity through all business transactions." Although Les Cristaux is private, it is considered the face of Tippercommon business. Its duties are listed below.
- Provide all fiscally responsible Tippercommon citizens and citizens of non-hostile nations with savings accounts, checking accounts, and a line of credit.
- Provide an avenue to invest in Tippercommon currency (Authority Credit, §).
- Provide a comprehensive system of business loans to burgeoning companies.
- Provide foreign nations with the ability to engage in business relations with Tippercommon by commissioning Les Cristaux Bank locations in their nation.
Les Cristaux maintains strict regulations upon itself to ensure the customer that we are the safest and most reliable option in the financial world. As legislated by the Tippercommon Senate, Les Cristaux, a commercial bank, is restricted from being affiliated with or sharing board members of investment banks (stock exchanges). The result of this: no matter the state of the Tippercommon Stock Exchange, nor that of any other nation, the deposits and investment of Les Cristaux's customers is protected. In addition, in accordance with domestic law, student loans provided by Les Cristaux charge low interest rates, the maximum being 1.3%. Originally legislated to increase the flow of students through Tippercommon's university system, this offer has been extended to students worldwide.
Les Cristaux provides a variety of Savings Accounts to the public. Savings accounts are secure deposits which can only be withdrawn in a limited scope (unlike a check or debit transaction), but provide relatively high interest rates. This type of account allows the customer to set aside a portion of their assets and gain long-term monetary return. We offer the following account types:
Account Deposit Range Annual Interest Yield Withdraw Fee Silver Executor Account $25-$15,000,000 0.4% 0.2% Gold Executor Account $15,000,001-$75,000,000 1.5% 0.8% Platinum Executor Account $75,000,001-Unlimited 3% 0% Diamond Plus Account $1,000,000,000-Unlimited 9% 0% Security Savings Account $25,000-Unlimited 0.1% 0%
- The Executor Account series are medium-interest savings accounts designed for long-term use by high-profile customers.
- The Plus Account series are specifically designed for companies and extremely wealthy customers, providing relatively high interest rates. In addition, all Plus Accounts offer the ability to deposit material, such as bullion, jewelry, valuables, etc. into a safety deposit vault
- The Security Savings Account is an extremely secure account meant for short-term storage. With a relatively low interest rate, this account type is primarily for nationals in need of ultra-secure storage. 90% of the customer's liquid assets are stored on site at the Les Cristaux location in Sussex, Tippercommon. This means only 10% of the customer's deposit is invested by Les Cristaux, lowering interest rates. In addition, all Security Savings Accounts offer the ability to deposit material, such as bullion, jewelry, valuables, etc. into a safety deposit vault
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Les Cristaux provides a variety of Checking Accounts. Checking accounts are meant for providing frequent access to funds for transactions. A customer may use a debit card to draw funds from their account, write checks, or withdraw from a Les Cristaux ATM. Les Cristaux imposes no withdrawal or deposit fees or restrictions, and requires only $5 for an active account.
Account Deposit Range Interest Standard Account $5-$250,000 0.45% Plus Account $250,001-$1,000,000 0.6% Premium Account $1,000,001-Unlimited 1%
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Les Cristaux provides a variety of fixed rate loans to the international community.
National Loans
Les Cristaux offers loans to nations. The following numbers are meant to calculate your interest rate. To calculate your interest, add the percentage next to the amount of money in the loan, and the percentage next to the time plan.
Student Loans
Les Cristaux offers low-interest student loans to international students based on their situation and what type of school they are attending.
Loan Amount Interest Unprivileged Student Loan $1,000 to $25,000 0.01% Advanced Student Loan $25,001 to $75,000 0.4% Law Student Loan (applicable only to law students) $25,000 to $200,000 1.1% Medical Student Loan (applicable only to med students) $25,000 to $200,000 1%
Business Loans
Les Cristaux offers loans to burgeoning businesses all the way to corporate giants.
Loan Amount Interest Small Business Loan $250 to $50,000 1.1% Standard Business Loan $50,001 to $600,000 1.8% Corporate Loan $600,001 to $10,000,000 4%
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Les Cristaux is branching out! We are opening offices and branches in international communities. The standard Les Cristaux location has five indoor ATM machines, two outdoor ATM machines, one drive-thru ATM machine, and 20 representatives. Why build a Les Cristaux branch? Well, for one, 30% of profits made in your nation branches are deposited into a your national coffer. Also, if your nation has a branch in their nation, their loan interest rates are reduced by 0.2% where viable.
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Locations:
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