Volksbank Trossingen eG

Volksbank Trossingen eG is a German cooperative bank based in Trossingen, Baden-Württemberg, operating within the Volksbanken Raiffeisenbanken network (BVR) and focusing on retail and small and medium-sized enterprises in its local area. Its offering typically covers current accounts (including youth and premium variants), girocard debit and Visa/Mastercard credit cards provided through the cooperative network, consumer loans (including easyCredit via TeamBank), mortgages and home savings products via Bausparkasse Schwäbisch Hall, securities custody and investment funds through Union Investment, and insurance from R+V. Business customers can access working-capital and investment financing, SEPA payments and cash management with EBICS, POS acceptance and e-commerce acquiring via VR Payment, and trade-related services supported by DZ BANK. Access channels include local branches, online banking, and the VR Banking app; two-factor authentication with TAN procedures is used in line with PSD2, and mobile wallet compatibility depends on the issued card. Cash services are available via the cooperative BankCard ServiceNetz ATM network. As an eingetragene Genossenschaft (eG), customers can become members by purchasing cooperative shares and receive voting rights; dividends on shares, account maintenance fees, and interest conditions are set in the bank’s Preis- und Leistungsverzeichnis and vary by product and channel. Deposits are covered by the institutional protection scheme of the German cooperative banks (BVR Sicherungseinrichtung) and the statutory BVR Institutssicherung GmbH, with the legal deposit guarantee up to 100,000 EUR per depositor. The bank is subject to supervision by BaFin and the Deutsche Bundesbank.