Volksbank Raiffeisenbank Starnberg-Herrsching-Landsberg eG

Volksbank Raiffeisenbank Starnberg-Herrsching-Landsberg eG is a cooperative bank serving private and corporate clients in the Starnberg, Ammersee and Landsberg am Lech area, operating a network of branches and self-service locations. Its product range includes current accounts, savings and term deposits, girocard and, depending on the package, debit and credit cards issued within the cooperative group, SEPA and international payments, consumer loans, overdrafts, mortgage financing, and building society products via partners such as Bausparkasse Schwäbisch Hall. Investment and securities services are available through the cooperative group (e.g., Union Investment and DZ BANK), alongside insurance brokerage via R+V Versicherung. Businesses can access accounts, payments and merchant acquiring via VR Payment, POS solutions, working capital finance, leasing and factoring through group partners. Digital banking is provided via online banking and the VR Banking App with two-factor authentication and 3D Secure; mobile wallet options such as Apple Pay and Google Pay depend on card type and activation. Cash services include access to the nationwide BankCard ServiceNetz of Volksbanken Raiffeisenbanken and cash deposit facilities at own locations. Fees follow published price schedules with account packages for retail customers and usage-based tariffs for businesses; third-party ATM withdrawals and paper-based services may incur charges. Customers can become cooperative members with voting rights at the general meeting and potential dividend distribution subject to the cooperative’s resolution. Deposits are protected up to 100,000 EUR per depositor by the statutory scheme via BVR Institutssicherung GmbH; the bank also participates in the institutional protection scheme of the Bundesverband der Deutschen Volksbanken und Raiffeisenbanken. The institution is supervised by BaFin and the Deutsche Bundesbank, and account opening requires standard identification under German KYC rules (e.g., PostIdent or video identification).