Raiffeisenbank Zorneding eG

Raiffeisenbank Zorneding eG is a member-owned cooperative bank based in Zorneding (Bavaria) that focuses on retail and small-business clients in its local market area, offering current accounts, savings and term deposits, payment services, debit and credit cards, and lending such as consumer loans, overdrafts, and real estate financing, along with services for small enterprises including working-capital and investment loans and basic cash management. Securities brokerage and investment funds are typically provided via institutions in the cooperative financial network (for example Union Investment and DZ BANK), building society savings via Bausparkasse Schwäbisch Hall, and insurance through R+V Versicherung; availability depends on individual agreements. Access is provided through local branches and self-service terminals, online banking and the VR Banking app with PSD2-complaint strong customer authentication, and standard SEPA transfers and direct debits; cardholders generally use girocard and, where agreed, Visa or Mastercard products, with cash withdrawals possible across the Volksbanken Raiffeisenbanken BankCard ServiceNetz. As a cooperative, customers can become members by acquiring shares, which confer voting rights in the annual general meeting; any distribution on shares depends on results and resolutions and is not guaranteed, and share subscription and withdrawal are subject to the bank’s statutes and notice periods. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung (the statutory deposit guarantee scheme that covers eligible deposits up to 100,000 EUR per depositor) as well as the separate BVR Sicherungseinrichtung, an institutional protection scheme aimed at preventing insolvency. Fees, interest rates, and product terms are set out in the Preis- und Leistungsverzeichnis and regulatory disclosures; lending is subject to credit checks and collateral where applicable, and identification requirements apply under German anti-money-laundering rules. Customer complaints can be directed to the bank and, if unresolved, to the cooperative banking ombudsman (BVR Ombudsmann); privacy and data processing follow GDPR and German banking secrecy. Service scope, partner offerings, digital features (including mobile wallet compatibility), and opening hours can vary and may change, so current information should be verified via the bank’s official channels.