Volksbank Friedrichshafen-Tettnang eG

Volksbank Friedrichshafen-Tettnang eG is a registered cooperative bank in the Lake Constance region of Baden-Württemberg, with operations centered on Friedrichshafen, Tettnang and surrounding communities. It offers retail and SME banking services including current and savings accounts, SEPA payments, card services, consumer and real estate financing, corporate lending, cash services, and securities custody and brokerage. Product distribution follows the cooperative financial network model: investment funds and securities services are available via Union Investment and the DZ BANK group, insurance via R+V Versicherung, building society contracts via Bausparkasse Schwäbisch Hall, and merchant acquiring and terminals via VR Payment. Digital access is provided through online banking and the VR Banking App from Atruvia, with PSD2-compliant strong customer authentication (e.g., SecureGo plus or chip-/sm@rt-TAN); card offerings typically include Girocard and Visa/Mastercard. Cash withdrawals are available at the bank’s own ATMs and across the Volksbanken Raiffeisenbanken BankCard ServiceNetz. As an eG, customers can become members by subscribing cooperative shares; any dividend is subject to the general meeting’s resolution and local terms, and membership does not change standard product conditions. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the cooperative sector’s institutional protection scheme; deposits are covered by BVR Institutssicherung GmbH under the German Deposit Guarantee Act, with an additional voluntary protection scheme maintained by the BVR. Pricing is defined in a published schedule of fees, with account packages, card charges, securities custody and trading fees, and service charges dependent on the chosen tariff and usage; interest rates on deposits and loans are product-specific and subject to adjustment. Standard AML/KYC, data protection and investor/lending disclosures apply. The offering is regionally focused; availability of features such as instant payments, cash limits and specific advisory services can vary by channel and customer profile, so prospective customers should review current terms, fee schedules and service availability before establishing a relationship.