Raiffeisenbank Werratal-Landeck eG

Raiffeisenbank Werratal-Landeck eG is a German cooperative bank (eingetragene Genossenschaft) serving the Werratal-Landeck region and is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. Its product range covers retail and small-business banking, including current accounts, savings and term deposits, consumer and mortgage financing, overdrafts, payment services, cards, and cash services. Business clients can access business accounts, corporate lending, cash management, and merchant services provided within the cooperative network (e.g., via VR Payment). Investment and securities services are available through group platforms, including brokerage and investment funds from Union Investment, and insurance products are distributed via R+V Versicherung. Access is provided through local branches, online banking, and a mobile banking app offered within the cooperative network; cardholders have access to the nationwide cooperative ATM network (BankCard ServiceNetz). Pricing is set out in the bank’s Preis- und Leistungsverzeichnis, with fees dependent on the chosen account model and usage (for example, account maintenance, card issuance, and out-of-network withdrawals). The bank operates under German banking law and is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the statutory German deposit guarantee up to 100,000 euros per depositor, supplemented by the institutional protection scheme of the BVR. Credit products are subject to assessment of creditworthiness, and investment products carry market risk, including possible loss of capital. As a cooperative, customers may acquire membership shares that confer voting rights under the bank’s statutes and may entitle to a dividend if approved by the members’ meeting.