Raiffeisenbank St. Johann-Wagrain-Kleinarl eGen

Raiffeisenbank St. Johann-Wagrain-Kleinarl eGen is a regional cooperative bank based in the Pongau area of Salzburg, serving the communities of St. Johann, Wagrain, and Kleinarl through a local branch and ATM network. As a registered cooperative (eGen), it is owned by members and governed via a general assembly, supervisory board, and management board under cooperative statutes. The bank provides standard retail and small-business services, including current and savings accounts, SEPA payment services, domestic and cross-border transfers, debit cards, credit cards issued via partner providers, cash services, and safe deposit boxes. Lending typically covers consumer credit, overdrafts, housing and real estate financing, and working capital and investment loans for SMEs and agricultural clients; collateral and pricing depend on credit assessment and product terms. Investment and brokerage access, fund savings plans, and insurance products are distributed through entities within the Raiffeisen network and third-party partners, and it offers online and mobile banking for everyday transactions. The institution is licensed under the Austrian Banking Act and supervised by the Financial Market Authority (FMA) and the Oesterreichische Nationalbank; it participates in the Raiffeisen institutional protection scheme, and eligible deposits are protected up to EUR 100,000 per depositor under the Austrian statutory deposit guarantee (Einlagensicherung AUSTRIA GmbH), with specific legal rules for temporary high balances. Fees, interest rates, and conditions are published in the bank’s price lists and general terms and can vary by product and customer segment.