Vereinigte Volksbank eG Ganderkesee-Hude-Bookholzberg-Lemwerder

Vereinigte Volksbank eG Ganderkesee-Hude-Bookholzberg-Lemwerder is a German cooperative bank (eingetragene Genossenschaft) serving private and business customers in and around Ganderkesee, Hude, Bookholzberg and Lemwerder in Lower Saxony. It is part of the Volksbanken Raiffeisenbanken cooperative financial network and is supervised by BaFin and the Deutsche Bundesbank. The bank operates branches and ATMs in its region and participates in the BankCard ServiceNetz for cash withdrawals at partner Volksbanken and Raiffeisenbanken. Core services include current accounts, savings and term deposits, payment services (girocard and credit cards), SEPA transfers and direct debits, and international transfers via SWIFT; pricing follows account packages with monthly fees and service-based charges, with details set out in the bank’s schedule of prices and services. Lending covers overdrafts, consumer loans, home financing and mortgages for retail clients, as well as working-capital and investment loans, commercial real estate financing and other SME solutions; leasing and factoring are available through cooperative-network partners. Investment and securities services are provided in cooperation with group entities such as DZ BANK and Union Investment, building-savings products via Bausparkasse Schwäbisch Hall, and insurance via R+V Versicherung. Digital banking is available through online banking and the VR BankingApp, with authentication via app-based TAN and chipTAN methods; card and mobile payment options align with standard offerings across the cooperative network. Deposits are protected by the statutory BVR Institutssicherung GmbH up to 100,000 euros per depositor and additionally by the institutional protection scheme of the National Association of German Cooperative Banks (BVR). As a cooperative, customers can become members by acquiring shares, obtaining voting rights at the general meeting and the prospect of a dividend subject to the bank’s results and the terms set by the bank. Availability of services, branch facilities and fees depends on the selected product and location.