Volksbank Nordharz eG

Volksbank Nordharz eG is a German cooperative bank serving the northern Harz region, operating under the legal form eG and supervised by BaFin and the Deutsche Bundesbank. It provides retail and business banking including giro and savings accounts, term deposits, consumer and mortgage loans, overdrafts, business current accounts and financing, as well as brokerage of investment funds, building-society contracts and insurance through the cooperative financial network (e.g., Union Investment, Bausparkasse Schwäbisch Hall, R+V Versicherung) and payment services via VR Payment. Access channels include branches, online and mobile banking, SEPA payments, girocard and credit cards, contactless payments, and cash withdrawals at the cooperative BankCard ServiceNetz; pricing is set by tariff and typically includes account and card fees and charges for out-of-network services. Corporate banking covers working-capital facilities, equipment and vehicle financing, real estate finance and merchant acceptance solutions for SMEs. As a cooperative, customers may become members by purchasing shares, obtain voting rights in accordance with the statutes and may receive dividends subject to earnings and member resolutions; membership is not required for standard banking. Deposits are protected under the German Deposit Guarantee Act up to 100,000 EUR per depositor via BVR Institutssicherung GmbH, and the bank participates in the institutional protection scheme of the National Association of German Cooperative Banks (BVR). The institution is part of the Volksbanken Raiffeisenbanken network with DZ BANK as central institution; product availability, conditions, eligibility and limits are determined by the bank and can vary by customer profile and use case.