Volksbank Ascheberg - Herbern eG

Volksbank Ascheberg – Herbern eG is a local cooperative bank (eingetragene Genossenschaft) serving private and business customers in and around Ascheberg and Herbern in North Rhine-Westphalia. As part of the Volksbanken Raiffeisenbanken cooperative financial network, it offers current accounts, savings and term deposits, consumer loans, mortgages, business accounts and lending, payment services, and access to investment and insurance products via group partners such as Union Investment, Bausparkasse Schwäbisch Hall, R+V Versicherung, and DZ BANK. Day-to-day banking is available through branches, online banking, and mobile apps, with common authentication procedures (e.g., app-based TAN and chipTAN) and support for SEPA transfers and card payments; card issuance typically includes girocard and credit cards via the cooperative network, and cash withdrawals are available across the nationwide cooperative ATM network. Pricing is set out in the bank’s Preis- und Leistungsverzeichnis, with account packages and fees varying by usage; interest rates and lending conditions are subject to change and eligibility. The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected up to EUR 100,000 per depositor under the German statutory deposit guarantee; as a member of the cooperative network, the institutional protection scheme of BVR is designed to stabilize member institutions. The cooperative structure means customers can become members by acquiring shares, with voting rights at the general meeting and potential dividends depending on results. Account opening and credit products require standard identification and credit checks in line with German regulations.