Volksbank Brandoberndorf eG

Volksbank Brandoberndorf eG is a regional cooperative bank based in Waldsolms‑Brandoberndorf (Hesse) and part of the Volksbanken Raiffeisenbanken cooperative financial network. It offers standard retail and small‑business banking, including giro and savings accounts, time deposits, consumer and mortgage lending, and payment services. Access is provided via local branches, online and mobile banking with PSD2‑compliant two‑factor authentication, and the BankCard ServiceNetz, which allows cash withdrawals at ATMs of Volks‑ and Raiffeisenbanken across Germany; withdrawals at third‑party machines and abroad are subject to the bank’s price list. Card products typically include girocard for domestic payments and credit cards (Mastercard/Visa) issued via cooperative group partners, alongside merchant acquiring and terminals provided within the group infrastructure. Customers also have access to securities custody and investment funds through the cooperative financial network (e.g., Union Investment and DZ BANK), insurance solutions via R+V Versicherung, and building society savings and financing via Bausparkasse Schwäbisch Hall. As a cooperative, the bank is owned by its members under the one‑member‑one‑vote principle; membership shares and any dividend are determined by the annual general meeting. The institution is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the statutory BVR Institutssicherung GmbH up to 100,000 EUR per depositor and by the cooperative sector’s additional institutional protection scheme designed to prevent insolvency. Pricing, interest rates, and availability of services such as safe deposit boxes or mobile wallets are defined locally and can differ by account model and customer segment.