Raiffeisenkasse Dobersberg-Waldkirchen eGen

Raiffeisenkasse Dobersberg-Waldkirchen eGen is a regional cooperative bank serving households, small businesses, and agriculture in the Dobersberg/Waldkirchen area of Lower Austria. It is part of the Raiffeisen Bankengruppe Österreich and the Raiffeisen institutional protection scheme, and operates under the Austrian Banking Act with prudential oversight by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB). The bank provides current accounts, savings and term deposits, domestic and international payments (including SEPA), debit and credit cards, and digital banking via the group’s Mein ELBA online and mobile platform. Lending typically covers consumer loans, overdrafts, and residential mortgages, alongside working-capital and investment financing for SMEs and farms; securities, funds, and insurance are distributed through Raiffeisen group partners. Fees and interest conditions are set by published tariffs that vary by account package and product, with standard charges for cards, payment services, and cash transactions; rates are variable and subject to market conditions. As a cooperative (eGen), customers may become members by subscribing shares, with voting rights in governance and potential profit participation depending on annual results. Deposits are protected up to EUR 100,000 per depositor by Einlagensicherung AUSTRIA GmbH; investment products are not covered by deposit insurance and carry market risk. Services are delivered through local branches, remote channels, and the national ATM network; onboarding requires standard identification and anti–money laundering checks. The bank’s offering and branch footprint are local, while infrastructure and product distribution leverage the wider Raiffeisen network.