Raiffeisenbank Salzkammergut eGen

Raiffeisenbank Salzkammergut eGen is a regional cooperative credit institution in Austria serving households, professionals, and small and mid-sized businesses in the Salzkammergut area; it operates under the Austrian Banking Act and is part of the Raiffeisen Banking Group, supervised by the Financial Market Authority with involvement of the Oesterreichische Nationalbank. The bank provides current and savings accounts, term deposits, debit and credit cards, SEPA payments, online and mobile banking with strong customer authentication, and access to the national ATM network; lending covers consumer loans, mortgages typically secured by real estate, and working capital and investment financing for businesses. Securities brokerage and investment funds, as well as insurance and leasing, are distributed through group partners, and business clients can access cash management and payment services consistent with standard Austrian banking practices. As a cooperative (eGen), customers may become members by subscribing cooperative shares and exercising voting rights; membership terms, any dividend policy on cooperative shares, and customer conditions are defined in the statutes and schedule of fees. Deposits are protected under Austria’s statutory deposit guarantee regime up to EUR 100,000 per depositor per bank, with claims handled by Einlagensicherung AUSTRIA Ges.m.b.H.; investment products are not covered by deposit insurance and carry market risk. Product pricing, account package features, and interest rates are published in the bank’s price list and are subject to change; lending conditions depend on creditworthiness, collateral, and applicable consumer protection and mortgage rules. Account opening and service availability may be limited to residents or to customers meeting know-your-customer and anti-money-laundering requirements, and complaints are processed through the bank’s internal procedure with access to recognized Austrian alternative dispute resolution bodies if needed.