Volksbank Gebhardshain eG

Volksbank Gebhardshain eG is a regional German cooperative bank based in Gebhardshain (Rhineland-Palatinate) that operates under the cooperative principle, with customers able to become members by subscribing to cooperative shares that confer voting rights in the general assembly; any distribution on shares depends on annual results and member resolutions. The bank provides standard retail and small-business banking services, including current accounts (Girokonten), savings products, consumer loans and overdrafts, mortgage financing, and business lending for working capital and investment needs, alongside payments services such as SEPA transfers and direct debits. Card offerings typically include a Girocard for domestic use and debit or credit cards on international schemes for broader acceptance, with cash access available via the nationwide BankCard ServiceNetz of Volksbanken and Raiffeisenbanken; withdrawals at third-party ATMs may incur fees. Securities custody and brokerage, investment funds, building society savings, insurance, and leasing solutions are offered in cooperation with companies in the Cooperative Financial Network (e.g., DZ BANK Group entities). Digital channels include online banking and the VR Banking App, with strong customer authentication methods such as SecureGo plus or chip-TAN/Sm@rt-TAN in line with PSD2 requirements; self-service terminals and branch advisory remain available locally. Deposits are protected by the institutional protection scheme of the National Association of German Cooperative Banks (BVR-ISG), complemented by the voluntary BVR Sicherungsreserve; the bank is subject to supervision by BaFin and the Deutsche Bundesbank and to German and EU banking and AML regulations. Pricing is set out in the published price list (Preis- und Leistungsverzeichnis/Preisaushang) and typically covers account maintenance, cards, domestic and cross-border payments, and credit interest and fees; conditions depend on the selected account model and customer profile.