Volksbank Oyten e.G.

Volksbank Oyten eG is a regional cooperative bank based in Oyten, Lower Saxony, and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It focuses on retail and small to mid-sized business banking, offering current accounts, savings and term deposits, consumer loans, mortgages, business lending, payment services, and basic cash management. Access is provided via local branches and self-service terminals in its catchment area as well as online and mobile banking; strong customer authentication is applied in line with PSD2, and SEPA transfers and standing orders are supported. Cards include Girocard and credit cards issued through the cooperative network; cash withdrawals are available at ATMs of the cooperative group, with third‑party fees depending on the operator. Securities brokerage, investment funds, building society savings, and insurance are distributed through the group’s specialist partners. Pricing follows the bank’s published price and service schedule, with account packages and transaction fees disclosed in the fee information document required under EU rules; an account switching service is provided pursuant to the German Payment Accounts Act. As an eingetragene Genossenschaft, customers can become members by subscribing cooperative shares, which grant voting rights; any dividend depends on annual results and a shareholder resolution. Deposits are protected by the German statutory deposit guarantee up to 100,000 euros per depositor per bank and the bank participates in the institutional protection scheme of the National Association of German Cooperative Banks. The institution is supervised by BaFin and the Deutsche Bundesbank. Product availability, interest rates, limits, and eligibility criteria are set locally and are subject to the bank’s current terms and conditions.