Volksbank - Raiffeisenbank Vilshofen eG

Volksbank - Raiffeisenbank Vilshofen eG is a regional cooperative bank (eingetragene Genossenschaft) based in Vilshofen an der Donau, Bavaria, and forms part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken under the oversight of BaFin and the Deutsche Bundesbank. The bank provides retail and small-business banking including current accounts, savings and term deposits, payment services (SEPA credit transfers and direct debits), girocard debit cards and credit cards (Mastercard/Visa issued within the cooperative group), consumer and mortgage lending, overdrafts, and advisory services; it also offers insurance via R+V Versicherung, investment funds and custody via Union Investment and group partners, building society savings and loans via Bausparkasse Schwäbisch Hall, leasing and factoring via VR Smart Finanz, and payment acceptance solutions via VR Payment. Access is through local branches and self-service machines in its market area, online banking and the VR Banking app with features such as transfers, standing orders, e-statements/e-postbox, and card controls; strong customer authentication is supported via app-based TAN (SecureGo plus) and chipTAN. Customers typically withdraw cash free of charge at ATMs in the nationwide BankCard ServiceNetz of the Volksbanken Raiffeisenbanken network; withdrawals at third-party ATMs and certain transactions may incur fees. Pricing, interest rates, and limits are set locally and published in the Preis- und Leistungsverzeichnis; account models commonly carry a monthly fee depending on included services and booking methods. Deposits are protected by the BVR Institutssicherung (fulfilling the statutory deposit guarantee up to 100,000 euros per depositor) and additionally by the institutional protection scheme of the cooperative financial network. As a cooperative, customers may become members by acquiring shares, with voting rights at the general meeting and potential dividends subject to annual results and the bank’s statutes. Business clients can obtain business accounts, cash management, POS terminals and e-commerce acquiring, loans and guarantees, and support for foreign payments via cooperative group partners. Branch opening hours, service availability, and product eligibility vary by location and customer profile, and details are provided via the bank’s website and customer service channels.