Raiffeisenbank Kleinmünchen/Linz eGen

Raiffeisenbank Kleinmünchen/Linz eGen is a member-owned cooperative bank within the Raiffeisen network in Upper Austria, serving customers in the Linz area and leveraging the group’s infrastructure for payments, cards, securities, and back-office services. Its offering covers standard retail and SME banking: current accounts with package-based pricing, savings and term deposits, SEPA credit transfers and direct debits, Debit Mastercard and credit cards, consumer and housing loans, and basic business financing and cash management; securities custody and investment funds are provided through the Raiffeisen group (including products from Raiffeisen Kapitalanlage GmbH), and insurance is brokered via Raiffeisen-branded partners. Digital access is provided via the group’s Mein ELBA online and mobile banking with PSD2 strong customer authentication and 3D Secure for card payments; account opening is available in-branch, and digital onboarding may be available depending on product and eligibility. The bank is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, participates in the national deposit guarantee scheme (Einlagensicherung AUSTRIA) with coverage up to EUR 100,000 per depositor per bank, and is part of the Raiffeisen sector’s institutional protection arrangements. Pricing and interest rates follow published tariffs and vary by account type, card selection, and service usage; ATM withdrawals at the bank’s and Raiffeisen network machines are typically included in account packages, while third-party or cross-border transactions can incur fees. Lending is subject to credit assessment and applicable Austrian regulations; business services focus on regional SMEs. The primary service language is German, with English support varying by channel. As a cooperative (eGen), governance is based on member ownership and local decision-making; availability and terms of membership shares, dividends, and voting rights depend on the bank’s statutes, and entity-level financial statements are filed in Austria’s company register alongside product terms, fee schedules, and statutory disclosures.