Raiffeisenbank Mittel- und Hinterbregenzerwald eGen

Raiffeisenbank Mittel- und Hinterbregenzerwald eGen is a regional cooperative bank serving the Mittel- and Hinterbregenzerwald area of Vorarlberg, Austria. It operates within the Raiffeisen Bankengruppe Vorarlberg and the wider Raiffeisen sector and is organized as a registered cooperative, with customers able to subscribe cooperative shares and members holding voting rights at a general meeting. The bank focuses on retail and small-business banking, offering current accounts (including youth and student variants), savings products such as savings books and term deposits, SEPA payment services (transfers, standing orders, direct debits), debit and credit cards, and lending for households (mortgages and consumer loans). For businesses it provides business accounts, overdrafts and investment financing, guarantees, and payment acceptance solutions and terminals in cooperation with group partners, as well as leasing via Raiffeisen-Leasing. Investment services include securities custody and brokerage with access to funds from Raiffeisen Capital Management, and insurance is distributed through established bancassurance partnerships such as UNIQA. Digital banking is provided via Raiffeisen’s Mein ELBA online and mobile channels with strong customer authentication under PSD2, card controls and payment features, and compatibility with common mobile wallets (e.g., Apple Pay and Google Pay) where available; cash services are accessible through local branches and the Raiffeisen ATM network. Pricing follows published tariff lists, with package fees and interest conditions varying by product and usage; SEPA rules apply to euro-area payments, with standard correspondent arrangements for non-SEPA transactions. The bank is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank, participates in the Raiffeisen institutional protection scheme, and deposits are covered by the Austrian statutory deposit guarantee up to EUR 100,000 per depositor via Einlagensicherung Austria. The branch footprint and service scope are oriented to households, self-employed professionals, agriculture, and tourism businesses in the Bregenzerwald, while more specialized corporate or capital markets services are generally provided in cooperation with Raiffeisenlandesbank Vorarlberg or other group entities.