Volksbank Heuchelheim eG

Volksbank Heuchelheim eG is a member-owned cooperative bank based in Heuchelheim (Hesse) that focuses on private and business clients in its regional market. As part of the Volksbanken Raiffeisenbanken network, it provides standard services including current accounts with tiered account models, girocard and credit cards, savings and term deposits, consumer loans and residential mortgages, business accounts and financing solutions, and access to cash via the nationwide VR ATM network, alongside securities custody and investment products offered through group partners such as DZ BANK affiliates (e.g., Union Investment for funds, R+V Versicherung for insurance, and Bausparkasse Schwäbisch Hall for building society savings). Customers can use online banking and the VR Banking app with two-factor authentication via TAN procedures (e.g., TAN app or chipTAN), while branch-based services remain available for in-person transactions and advice. Pricing follows typical cooperative-bank structures with monthly account fees aligned to service packages and separate charges for services such as paper statements or over-the-counter transactions; interest rates and fees depend on the chosen model and can change. Deposits are covered up to 100,000 EUR per depositor by BVR Institutssicherung GmbH; the sector’s additional institutional protection scheme also applies to cooperative institutions. The bank is supervised by BaFin and the Deutsche Bundesbank. Customers can subscribe for membership shares (Genossenschaftsanteile), which confer voting rights; any dividend is determined annually based on results and resolutions.