Raiffeisenkasse Stumm, Stummerberg und Umgebung registrierte Genossenschaft mit beschränkter Haftung

Raiffeisenkasse Stumm, Stummerberg und Umgebung registrierte Genossenschaft mit beschränkter Haftung is a regional cooperative bank serving the Zillertal area in Tyrol, Austria. As a member of the Austrian Raiffeisen banking sector, it operates under a cooperative ownership model in which customers may become members; governance follows Austrian cooperative law, with a supervisory board overseeing a management board, and member liability limited by the cooperative’s legal form. The bank provides standard retail and small-business services, including current and savings accounts, term deposits, SEPA payment services (transfers, standing orders, direct debits), debit and credit cards, online and mobile banking, and lending such as overdrafts, consumer loans, mortgages, and financing for local enterprises. It also distributes investment and insurance products through Raiffeisen sector partners. Pricing, interest rates, and eligibility are determined locally and can vary by customer profile, with product information and costs published in line with Austrian and EU disclosure requirements. The institution is licensed under the Austrian Banking Act and supervised by the Financial Market Authority and the OeNB; eligible deposits are protected by the statutory deposit guarantee up to EUR 100,000 per depositor, subject to legal conditions. Service delivery combines branches within its catchment area with digital channels, and international payments are handled via SEPA and standard correspondent arrangements. The offering is primarily oriented to residents and businesses in its immediate region, with customer communication predominantly in German.