Raiffeisenbank Rattiszell-Konzell eG

Raiffeisenbank Rattiszell-Konzell eG is a German cooperative bank based in the municipalities of Rattiszell and Konzell in Bavaria and operates within the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It focuses on retail and small business clients in its defined market area, offering current accounts, savings and term deposits, consumer loans, mortgages, business and agricultural finance, payment cards, and cash services, supported by online banking and the VR Banking App with app-based TAN procedures for two-factor authentication. Through group partnerships typical for the cooperative network, it distributes investment and securities services (e.g., via Union Investment), insurance (R+V Versicherung), and building society savings and loans (Bausparkasse Schwäbisch Hall), and provides girocards and credit cards in cooperation with the group; customers have access to the network’s nationwide ATM infrastructure. The bank’s legal form is eG (registered cooperative), with member shares and voting rights, and credit decisions are handled locally within group risk and compliance frameworks. It is supervised by BaFin and the Deutsche Bundesbank and participates in the sector’s protection scheme, including the statutory BVR Institutssicherung (covering eligible deposits up to 100,000 euros per depositor) and the cooperative institutional protection system designed to stabilize affiliated institutions. Pricing is structured by account model and usage, with account maintenance fees and charges for cards and transactions common in this segment; rates, fees, and digital features are subject to change. The footprint is regional, so branch availability and opening hours reflect the local area, while remote channels cover routine payments, statements, and card controls; account opening generally targets customers from the service region and may require standard identification procedures in branch or via video identification where available.