Raiffeisenbank Wittelsbacher Land eG

Raiffeisenbank Wittelsbacher Land eG is a regional cooperative bank serving the Wittelsbacher Land area in Bavaria (Aichach-Friedberg and surrounding communities). As a members’ institution, it operates on a cooperative ownership model with share subscription and voting rights defined in its statutes; dividends on member shares are possible but depend on annual results. The bank offers standard retail and small-business services, including current accounts, savings and term deposits, consumer and real estate financing, overdrafts, payment services, and cash supply via the nationwide Volksbanken Raiffeisenbanken ATM network (BankCard ServiceNetz); card products typically include girocard and Mastercard/Visa issued within the cooperative group. Investment and securities services are available through group partners (e.g., Union Investment, DZ BANK entities), building society contracts via Schwäbisch Hall, and insurance intermediation via R+V Versicherung; availability and terms are product- and provider-specific, and capital market products carry market and issuer risk. Online banking is provided via web and app with two-factor authentication (e.g., app-based TAN or chipTAN generator), supporting SEPA transfers, standing orders, and an electronic mailbox; services align with PSD2 standards. Business clients can access working-capital and investment loans, cash management, POS solutions, and, where applicable, leasing or factoring via partner firms in the cooperative network. Pricing is set locally with account models that may combine monthly package fees and per-item charges; fees can apply for cards, paper-based transactions, and withdrawals outside the cooperative network. Lending is subject to creditworthiness and collateral requirements. Deposits are protected up to 100,000 EUR per depositor under the statutory scheme implemented by BVR Institutssicherung GmbH; in addition, the voluntary BVR protection scheme aims to safeguard the institutions within the cooperative network. The bank is supervised by BaFin and the Deutsche Bundesbank. Terms, eligibility, and product features are published in the bank’s price and service list and may change.