Raiffeisenbank Innkreis Mitte eGen

Raiffeisenbank Innkreis Mitte eGen is a regional Austrian cooperative bank operating within the Raiffeisen Bankengruppe, serving customers in Upper Austria’s Innviertel area. It is organized as a registered cooperative (eGen) under Austrian law and acts as a licensed credit institution supervised by the Austrian Financial Market Authority (FMA) and the Oesterreichische Nationalbank (OeNB). The bank provides retail and small-business banking services including current accounts, savings and term deposits, consumer and housing loans, business accounts, working-capital and investment financing, payment services, and basic securities brokerage and custody via Raiffeisen group channels. Access is offered through local branches and ATMs in the national Bankomat network, as well as online and mobile banking via the Mein ELBA platform with strong customer authentication in line with PSD2. Standard payment features include SEPA transfers, standing orders, and card services; credit cards are typically issued in cooperation with partner institutions. Deposits are covered by the Austrian statutory deposit guarantee scheme (Einlagensicherung AUSTRIA GmbH) up to EUR 100,000 per depositor, subject to legal conditions and exclusions. Fees and interest conditions vary by product and usage; account packages, service charges for cash handling or paper statements, and pricing for international payments may apply according to the published schedule. Onboarding and product access are subject to identification and anti–money laundering requirements, and availability may depend on residence and regulatory status. As a cooperative, ownership lies with members according to the bank’s statutes, with governance through member representation and supervisory bodies. Product risks, including credit risk on lending and market risk on securities and funds, remain with the customer, and contracts distributed via Raiffeisen group partners (e.g., investment or insurance services) are usually concluded with the respective provider.