Volksbank Lohne-Mühlen eG

Volksbank Lohne-Mühlen eG is a regional cooperative bank (eingetragene Genossenschaft) serving private customers, small and mid-sized companies, and agricultural businesses in and around Lohne and Mühlen in Lower Saxony. As part of the Volksbanken Raiffeisenbanken cooperative financial network, it offers the standard retail and SME product range: current accounts, savings and term deposits, consumer and housing loans, mortgages and construction finance, business lending and cash management, as well as payment services including SEPA transfers, standing orders, and card payments. Securities brokerage and custody are available, with investment funds typically distributed via network partners such as Union Investment; building society contracts are usually handled via Bausparkasse Schwäbisch Hall, and insurance via R+V. Merchant services, POS terminals, and e-commerce acquiring are provided through VR Payment, and leasing or other financing solutions are available via cooperative partners. Customers can use online banking and the VR BankingApp with two-factor authentication (for example SecureGo plus or chipTAN), and access the BankCard ServiceNetz for ATM withdrawals across the cooperative network. Membership through the purchase of cooperative shares confers voting rights but does not alter product conditions; dividends on shares are discretionary. Pricing for accounts, cards, and services follows the published price notices (Preisaushang/Preis- und Leistungsverzeichnis) and varies by package. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung GmbH (statutory deposit guarantee up to 100,000 euros per depositor) and the additional BVR protection scheme providing institutional protection.