Volksbank Raiffeisenbank Dachau eG

Volksbank Raiffeisenbank Dachau eG is a regional German cooperative bank based in the Dachau district of Bavaria and part of the Genossenschaftliche FinanzGruppe. It offers retail and business banking, including current accounts (Girokonten), savings and term deposits, girocard and credit cards provided via the cooperative network, and lending such as overdrafts, consumer loans, vehicle financing, and residential real estate financing. Investment and securities services are available through group partners (e.g., Union Investment and DZ BANK brokerage), building society contracts via Bausparkasse Schwäbisch Hall, and insurance via R+V Versicherung. For businesses, the bank provides accounts, SEPA payment services (credit transfers, direct debits, standing orders), POS and e-commerce acceptance via VR Payment, liquidity management, working capital and investment loans, guarantees, and access to public development programs (e.g., KfW) arranged through the bank. Service channels include branches and self-service terminals in the Dachau area, online banking and the VR Banking App with two-factor TAN procedures (e.g., SecureGo plus or chipTAN), and a customer service center; cash withdrawals are available across the BankCard ServiceNetz ATM alliance. Pricing and conditions, including account maintenance, cards, and transfers (including optional SEPA real-time transfers where offered), are set by account model and published in the bank’s price and service list; interest rates and fees are subject to change. Cooperative membership is available via purchase of shares with voting rights in the general assembly; dividends are not guaranteed and shares are subject to statutory terms and redemption rules. Deposits are protected by the BVR Institutssicherung (statutory coverage up to 100,000 EUR per depositor) and the cooperative institutional protection scheme; the institution is supervised by BaFin and the Deutsche Bundesbank. Account opening and lending require identification and credit checks and may be limited to customers in the bank’s service area.