Volksbank Überwald-Gorxheimertal eG

Volksbank Überwald-Gorxheimertal eG is a regional German cooperative bank serving the Überwald and Gorxheimertal area in the Bergstraße district of Hesse. It operates as a registered cooperative (eingetragene Genossenschaft), owned by its members under the one-member-one-vote principle, with management and supervisory boards accountable to the general meeting. The bank is part of the Genossenschaftliche FinanzGruppe and the National Association of German Cooperative Banks (BVR) and is supervised by BaFin and the Deutsche Bundesbank. Its core business covers retail and small-business banking, including current accounts and payments (SEPA transfers, direct debits, standing orders), savings and time deposits, consumer and housing finance, and lending to self-employed clients and SMEs. Product distribution is integrated with the cooperative network, typically offering investment funds via Union Investment, building society savings and home financing through Bausparkasse Schwäbisch Hall, insurance from R+V Versicherung, and merchant services with VR Payment; digital access is provided through online banking and the VR Banking app, with card services (girocard and credit cards issued via the cooperative network) and cash withdrawals available at BankCard ServiceNetz ATMs. Deposits are protected up to 100,000 EUR per depositor under the German Deposit Guarantee Act via BVR Institutssicherung GmbH, and the cooperative financial network maintains an institutional protection scheme aimed at preventing member bank failures. Pricing follows fee-based account models common among cooperative banks, with conditions and interest rates published in the bank’s price and service listing. The institution maintains a local branch footprint in its core municipalities and provides advisory services on-site and through remote channels. Onboarding follows standard German KYC requirements (proof of identity and address, with additional documentation for nonresident or business relationships). Customer rights, complaints handling, data protection information, and mandatory disclosures are provided under German law via the bank’s official channels.