Volksbank Kleverland eG

Volksbank Kleverland eG is a regional cooperative bank (eingetragene Genossenschaft) serving customers in the Lower Rhine/Kreis Kleve area of North Rhine-Westphalia. It belongs to the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken and operates a local branch and self-service network backed by nationwide access to the BankCard ServiceNetz ATMs of the cooperative group. The bank provides current accounts and payments services, savings and term deposits, debit and credit cards, consumer loans, mortgages and real estate finance, as well as business accounts, working-capital lines, investment and equipment finance for SMEs and the self-employed. Securities brokerage, custody and investment funds are offered via group partners such as Union Investment and DZ BANK; building savings and home finance solutions are available through Bausparkasse Schwäbisch Hall; insurance products are distributed from the R+V Versicherung range; additional corporate solutions (e.g., leasing, factoring, merchant acquiring) are available through specialized cooperative affiliates. Digital access includes online banking and the VR BankingApp with common authentication methods; eligible cards generally support Apple Pay and Google Pay within the cooperative network. Customers can acquire cooperative shares to become members, with voting rights in the general meeting; member dividends and any preferential conditions depend on annual results and resolutions and are not guaranteed. Deposits are protected by the statutory scheme operated by BVR Institutssicherung GmbH (up to the legal limit per depositor) and by the additional institutional protection scheme of the cooperative group; scope and limits are defined by the respective regulations and the bank’s published terms. Pricing follows account and service packages with monthly fees and usage-based charges that differ for private and business clients; details are set out in the bank’s Preis- und Leistungsverzeichnis. The institution is subject to supervision by BaFin and the Deutsche Bundesbank.