Volksbank Hohenzollern-Balingen eG

Volksbank Hohenzollern-Balingen eG is a German cooperative bank headquartered in Balingen (Baden-Württemberg) serving private customers, self-employed clients, associations, and SMEs in the Hohenzollern and Zollernalb region through local branches and digital channels. Its offering includes day-to-day banking such as current accounts with card access, savings and term deposits, SEPA payments, and cash services via the cooperative BankCard ServiceNet ATM network, as well as financing products covering consumer loans, residential mortgages, and business lending. Investment and insurance solutions are provided within the Genossenschaftliche FinanzGruppe, including securities and funds, building society savings and financing, and insurance and leasing services through affiliated partners. Online banking and the VR banking app support transfers, standing orders, account and card management, and strong customer authentication under PSD2; cards support 3D Secure for online payments. Pricing is structured via account models and service-based fees, with applicable charges and interest rates published in the bank’s price notice and price/service list; conditions and availability can vary by product and customer profile. Deposits are protected by the German statutory deposit guarantee up to 100,000 euros per depositor via the BVR Institutssicherung, and the bank participates in the additional institutional protection scheme of the National Association of German Cooperative Banks (BVR). The institution operates under the German Banking Act and is supervised by BaFin and the Deutsche Bundesbank. Membership is available through the acquisition of cooperative shares, granting voting rights under cooperative law, while most banking services can be used without membership. Account opening, lending, and investment services are subject to identification, creditworthiness, and regulatory requirements, and terms are updated periodically on the bank’s channels.