VOLKSBANK DEISSLINGEN eG

Volksbank Deisslingen eG is a local cooperative bank based in Deißlingen, Germany, operating within the Volksbanken Raiffeisenbanken network and supervised by BaFin and the Deutsche Bundesbank. It focuses on retail and small-business banking, offering current accounts, savings and time deposits, payment services, consumer loans, mortgages, and basic investment and insurance brokerage through network partners such as Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, and, for corporate and real estate financing, entities within the cooperative group. Customers typically access services via branch counters, online banking, and the VR Banking App, with strong customer authentication under PSD2 and TAN procedures (e.g., SecureGo plus or chipTAN). Card products generally include girocard and optional credit or debit cards from the cooperative group, with cash withdrawals available across the BankCard ServiceNetz; fees and free withdrawal allowances depend on the chosen account model and location. As a cooperative, the institution allows customers to become members by subscribing to shares that confer voting rights and potential dividends; these shares constitute equity and are not covered by deposit guarantee schemes. Deposits are protected up to EUR 100,000 per depositor under the recognized BVR Institutssicherung; in addition, the cooperative sector’s institutional protection scheme aims to prevent the failure of affiliated banks, though it is not a statutory guarantee of individual deposits beyond the legal limit. Pricing, interest rates, and product availability are set locally and can change; detailed conditions are listed in the bank’s schedule of prices and services. Complaints can be directed to the bank or to the cooperative banking ombudsman. The bank’s offering is typical for a small regional Genossenschaftsbank, with a limited geographic footprint supplemented by nationwide cooperative infrastructure.