Volksbank Breisgau Nord eG

Volksbank Breisgau Nord eG is a regional cooperative bank in the northern Breisgau area of Baden‑Württemberg, organized as an eingetragene Genossenschaft and part of the Volksbanken Raiffeisenbanken Cooperative Financial Network. Its product range covers retail and SME banking, including current accounts, payments, cards, savings and term deposits, consumer and housing loans, business financing and cash management, as well as securities brokerage and investment funds via network partners in the DZ BANK group (e.g., Union Investment), insurance solutions via R+V Versicherung, and building society products via Bausparkasse Schwäbisch Hall. Access is provided through local branches, online banking and the VR Banking app, with PSD2‑compliant two‑factor authentication using TAN procedures (such as app‑based SecureGo plus or chipTAN). Payment options include girocard and credit cards (Mastercard/Visa) issued within the cooperative network, contactless functionality, and compatibility with common mobile wallets where enabled; customers can use the nationwide BankCard ServiceNetz of cooperative ATMs. Accounts are typically offered in tiered packages with monthly fees, with pricing dependent on factors such as transaction channel, statement delivery and card choice; business accounts follow separate tariffs. SEPA payments are standard and international transfers via SWIFT are available; foreign currency and travel cash services may be provided through network partners, while multicurrency accounts are uncommon in this segment. The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected up to 100,000 euros per depositor under the German Deposit Guarantee Act through BVR Institutssicherung GmbH, and the sector’s institutional protection scheme (Sicherungseinrichtung des BVR) additionally aims to prevent member institution insolvency but does not constitute a statutory deposit guarantee. As a cooperative, ownership lies with member‑customers who can subscribe shares and vote at the general meeting; any dividend on cooperative shares depends on annual results and resolutions. Conditions, fees and product terms are subject to change; prospective customers should review the current price schedule (Preis- und Leistungsverzeichnis), regulatory disclosures and product information before opening an account.