ネット銀行活用術 : 東京スター銀行の特徴

東京スター銀行は、東京都に本店を置く第二地方銀行で、台湾の中国信託商業銀行の子会社です。1999年に経営が破たんした東京相和銀行の営業を、アメリカのファンドが引き継ぐ形で設立された銀行です。

2013年7月には、台湾の商業銀行である中国信託商業銀行がほぼ全ての株式を取得することで、日本の銀行としては初めて海外の銀行の子会社となりました。

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東京スター銀行の紹介とサービスの特徴

東京スター銀行の特徴は、個人顧客向けのサービスが充実していることです。経営が破たんした東京相和銀行は信用を失ってしまい、東京スター銀行は優良な法人顧客を持たずにスタートしました。このため、個人向けのサービスを中心とした、ビジネスを行うことになりました。

店舗はカウンターではなく、欧米の銀行のようなブース式で、手続きを行う際は顧客のプライバシーが守られます。東京スター銀行では、個人向けの高金利の仕組定期預金を、他行に先駆けてスタートしました。ローンサービスについても、資金の使い道が自由で消費者金融のように手軽に利用できるカードローンやフリーローンサービス、おまとめローンや借りかえローンなどの、個人向けのローンサービスに特に力を入れています。

個人顧客に対するサービスを中心とするビジネスは、今やメガバンクから地方の信用金庫に至るまで、日本中の金融機関が真似をするようになりました。東京スター銀行は、日本の銀行サービスをリードする存在と言っても過言ではありません。

東京スター銀行は、第二地方銀行で、関東地方以外は支店やATMが少ないという弱点がありました。このため、ネットバンキングや提携ATM手数料無料サービスなどが、他行よりも充実しています。支店に出向かなくても、インターネットでほとんどの手続きができるので、支店やATMが少ない地方に住んでいても、便利に利用できるというメリットがあります。

東京スター銀行で個人向けの預金サービスを利用するメリットとは

東京スター銀行を利用するメリットは、個人顧客向けの預金サービスが充実していることです。

東京スター銀行は、インターネット銀行ではありませんが、口座開設から入出金や定期預金や外貨預金取引に至るまで、支店に出向かなくても郵便やインターネットだけで全ての手続きが完結します。東京スター銀行では、一般預金者向けのサービスとして、他行に先駆けて月8回まで提携ATM手数料無料サービスを開始し、インターネットを利用したネットバンキングサービスも、早い時期からスタートしました。

提携ATMで、月8回まで出金手数料が無料になるので、支店やATMがない地方に住んでいても、手軽にお財布代わりに出し入れができて便利です。ネットバンキングを利用すれば、自宅に居ながら振込や定期預金・外貨預金などのほとんどの手続きができるので、平日は仕事で忙しい人でも、夜間や休日に手続きができます。

高金利の、仕組み定期預金も魅力です。日本の銀行の多くは百万円~数百万円程度の定期預金で、金利が優遇されることはありませんでした。これに対して東京スター銀行では、個人預金者の多くが、利用する百万円~数百万円の定期預金で優遇金利が適用されるため、他行よりも多くの利息を受け取ることができます。

日本人の世帯平均貯金額は数百万円です。東京スター銀行の預金サービスは、数百万円程度の資金を元本保証で高利回りで運用するのにおすすめです。仕組み定期預金以外にも、1週間定期預金や外貨預金、投資信託などで資産を運用することも可能です。

一週間定期預金を利用すれば、毎週満期日が到来するので、急にお金が必要になった場合でも安心です。

東京スター銀行の個人向けローンサービスの魅力

東京スター銀行では、早い時期から個人向けのローンサービスに特に力を入れていました。今では多くの銀行が実施している「おまとめローン」や、パートやアルバイトの人でも手軽に利用できるカードローンのサービスも、他行に先駆けてスタートしました。

東京スター銀行のおまとめローンは、便利なカードローン機能が付いています。おまとめローンは複数の消費者金融で借りている高利のローンを、低利の銀行ローンに借り換えるための、個人向けの融資サービスです。当行のおまとめローンサービスには「限度額」が定められていて、返済を続けて融資残高が限度額以下になった場合、限度額の範囲内まで使い道が自由のカードローンとして追加融資が受けられます。

おまとめローンで返済中に急にお金が必要になった場合、消費者金融よりも低利の銀行カードローンが利用できます。預金連動型住宅ローンも、東京スター銀行独自のサービスです。これは住宅ローンを利用する際に、預金残高の分は利息がかからない仕組みです。

一見すると「お金を持っているのにわざわざローンを組む意味があるのか?」と思われるかもしれません。自分の貯金で家を購入すると、住宅ローン減税が適用されません。減税のためだけに住宅ローンを組んでしまうと、利息を支払う必要が生じます。

実質的に無利子の住宅ローンを組むことで、自分の貯金で住宅を購入する際にも住宅ローン減税が適用されるので大変お得です。

「おまとめローン」や預金変動型住宅ローンのサービスなど、東京スター銀行は個人向けの融資サービスに特に力を入れています。

ローンを利用する際は、東京スター銀行のサービスも検討してみるのはいかがでしょうか。

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