Volksbank Raiffeisenbank Nordoberpfalz eG

Volksbank Raiffeisenbank Nordoberpfalz eG is a German cooperative bank (eingetragene Genossenschaft) serving retail, small and mid-sized business, and agricultural clients in the Nordoberpfalz region of Bavaria. As part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken, it offers standard current and savings accounts, cards and payment services, overdrafts, consumer loans, and mortgage financing, along with SME banking such as working-capital and investment loans, commercial real estate financing, cash management, and payment acceptance; complementary products are distributed via group partners including DZ BANK, Union Investment (funds and securities accounts), R+V Versicherung (insurance), Bausparkasse Schwäbisch Hall (building society), and VR Smart Finanz (SME solutions). Access channels include branches, advisory by appointment, online banking, and the VR Banking App with PSD2-compliant strong customer authentication; cardholders typically use the cooperative BankCard ServiceNetz for domestic cash withdrawals, with fees potentially applying outside the network. As a cooperative, customers can become members by acquiring shares, which confer voting rights and potential dividends subject to annual results and resolution. Credit decisions generally involve affordability checks and SCHUFA data where applicable. The bank is supervised by BaFin and the Deutsche Bundesbank, follows MiFID II for investment services, and applies GDPR data protection standards. Deposits are protected up to 100,000 euros per depositor under the German statutory deposit guarantee; in addition, the cooperative sector’s institutional protection schemes (BVR Institutssicherung GmbH and the Sicherungseinrichtung des BVR) aim to prevent member-bank insolvency. Pricing, interest rates, eligibility, and product availability vary by account type and customer profile, and conditions are subject to change.