Volksbank Krefeld eG

Volksbank Krefeld eG is a regional cooperative bank based in Krefeld, North Rhine-Westphalia, focused on retail clients, self-employed professionals, and small to mid-sized companies in the local area. Its product range covers current accounts with tiered models and customary account management fees, debit and credit cards, overdrafts, savings and term deposits, mortgages and consumer loans, as well as business financing, cash management, and merchant services available through the cooperative financial group. Securities custody and investment solutions are provided via group partners, alongside building savings and insurance products. Customers can use online banking and the VR BankingApp for account oversight, SEPA transfers, standing orders, card settings, and secure messaging, with strong customer authentication in line with PSD2; in-person service is offered through branches and self-service terminals, and cash withdrawals are possible across the nationwide Volksbanken Raiffeisenbanken ATM network. As a cooperative, ownership is held by members under the one-member-one-vote principle; membership typically requires the purchase of cooperative shares, and any dividend is subject to annual results and the resolution of the general meeting. Deposits are protected by the statutory German deposit guarantee up to 100,000 euros per depositor via BVR Institutssicherung GmbH, with additional institutional protection from the cooperative group’s protection scheme. Pricing, interest rates, eligibility, and branch availability are set locally and published in the bank’s price and service schedule and product terms on its website.