S-Bank is the first so called supermarket bank in Finland. Changes in legistlation about personal accounts at co-operatives made them uncompetetive, such that founding an entirely new bank was actually easier than keeping the personal accounts as co-operative funds. The co-operative did, and the bank continues to, offer a relatively high interest to deposited funds (2.5% as of February 2008). The existing network of supermarket service desks is used to service customers. However, Internet-based electronic banking is recommended and provided at no cost to the customer. Visa credit and debit cards are available.