Raiffeisenbank Wolkersdorf-Auersthal eGen

Raiffeisenbank Wolkersdorf-Auersthal eGen is a regional cooperative bank in Lower Austria and a member of the Raiffeisen Banking Group. Organized as an eingetragene Genossenschaft (eGen), it focuses on households, small and medium-sized enterprises, and agriculture in Wolkersdorf, Auersthal, and nearby communities. The product range covers current accounts, savings and term deposits, domestic and SEPA payments (including standing orders and direct debits), debit and credit cards, and access to the Austrian Bankomat network. Financing includes consumer loans, housing loans, and business credit; leasing and insurance are typically offered via Raiffeisen group affiliates, and investment services include securities brokerage and custody accounts subject to MiFID II rules. Digital access is provided through Raiffeisen’s online and mobile banking (Mein ELBA) with two-factor authentication and 3‑D Secure for card payments, alongside service via local branches. As a cooperative, customers can become members by subscribing shares and hold voting rights under the bank’s statutes. The institution operates under the Austrian Banking Act and is supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank. Eligible deposits are protected up to EUR 100,000 per depositor by Einlagensicherung AUSTRIA Ges.m.b.H., and certain investment claims are covered up to EUR 20,000. Pricing, interest rates, and terms are set locally and published in the schedule of charges; lending decisions follow affordability checks, credit assessment, and collateral requirements where applicable.