Raiffeisenbank Rosenstein eG

Raiffeisenbank Rosenstein eG is a German cooperative bank (eingetragene Genossenschaft) serving the Rosenstein area in Baden‑Württemberg with a focus on private customers, self‑employed clients, small and mid‑sized enterprises, and agriculture. As part of the Volksbanken Raiffeisenbanken cooperative financial network, it provides current accounts, savings and term deposits, consumer loans, mortgages, securities custody and brokerage, insurance and building‑savings via group partners, alongside business services such as POS solutions, cash management, and corporate financing. Account models typically carry monthly fees that vary by feature set and channel usage; the price list outlines charges for items such as SEPA transfers at the counter, paper statements, cards, and overdrafts, while online transactions are usually priced differently. Card options commonly include a girocard and, on request, Visa or Mastercard products issued through the cooperative group, with cash withdrawals available across the group’s nationwide ATM network. Online and mobile banking support transfers, standing orders, document inbox, card controls, and TAN authorisation via the SecureGo plus procedure; mobile payments with major wallets may be available depending on the card product and device eligibility. Securities services are routed through the cooperative group infrastructure (e.g., custody and fund distribution within the group), and customers bear the relevant market and product risks. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR protection system; statutory deposit coverage up to 100,000 EUR per depositor is provided by BVR Institutssicherung GmbH in addition to institutional protection intended to prevent insolvency. Customers can become members by purchasing cooperative shares, which confer voting rights and a potential, non‑guaranteed dividend subject to local terms and share limits. Account opening is available in branch and, depending on the product, online with remote identification; branch coverage, service hours, and product availability are set locally. The bank publishes a Preis- und Leistungsverzeichnis and regulatory disclosures; customers should review current terms, interest rates, effective APRs, and fees before concluding contracts, as conditions change and may differ by customer segment.