Volksbank Altshausen eG

Volksbank Altshausen eG is a regional cooperative bank in Baden-Württemberg that serves private and business customers in its local market. Organized as a registered cooperative (eG), it is owned by members who can exercise voting rights at the general meeting. As part of the Volksbanken Raiffeisenbanken cooperative financial network, the bank provides standard retail and SME services, including current accounts, savings and term deposits, payment cards (girocard and optional credit cards), online and mobile banking via the VR Banking app, SEPA transfers, and cash services through the group’s ATM network. Lending covers consumer loans, residential mortgages, and business financing; the bank also distributes products from cooperative partners such as Union Investment (investments), R+V Versicherung (insurance), and Bausparkasse Schwäbisch Hall (home savings). Digital channels include browser-based online banking with PSD2-compliant two-factor authentication and app features for transfers, standing orders, and card management, alongside branch and phone advisory. Fees, interest rates, and card conditions depend on the chosen account and package and are listed in the bank’s schedule of prices and services; business accounts typically follow tiered pricing based on transaction volumes. Deposits are protected up to 100,000 EUR per depositor under the German Deposit Guarantee Scheme via BVR Institutssicherung GmbH, and the cooperative sector maintains an additional institutional protection scheme aimed at preventing bank failures within the network. The institution falls under the supervision of BaFin and the Deutsche Bundesbank. Typical client segments include households, SMEs, self-employed professionals, associations, and regional trades and agriculture. Account opening is available in-branch and, depending on product, via remote identification; eligibility and documentation follow standard German KYC requirements.