Volksbank Westenholz eG

Volksbank Westenholz eG is a regional cooperative bank based in Westenholz, a district of Delbrück in North Rhine-Westphalia, and part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It focuses on retail and small-business banking in its local market, offering current accounts, savings and term deposits, consumer loans, mortgages, and corporate financing, and it distributes investment, insurance, building-savings, and leasing products through cooperative partners such as Union Investment, R+V Versicherung, Bausparkasse Schwäbisch Hall, TeamBank (easyCredit), DZ BANK, and VR Payment for merchant services. Access is provided via branch service, online banking, and the VR BankingApp with two-factor authentication (e.g., VR SecureGo plus), and customers can use the nationwide cooperative ATM network; prices, fees, and interest conditions are set out in the bank’s schedule of prices and services and vary by account model. As an eingetragene Genossenschaft, customers can become members by subscribing cooperative shares and exercise voting rights in the general assembly; any dividend on shares depends on annual results and member resolutions. The bank is supervised by BaFin and the Deutsche Bundesbank and participates in the BVR Institutssicherung and the statutory German deposit guarantee scheme, which together provide institutional protection and cover eligible deposits up to the legal limit. Securities custody and brokerage are available via the cooperative group’s infrastructure, and investment services, if offered, are provided under MiFID II requirements. The institution maintains local opening hours and contact channels for appointments and support and publishes annual financial statements and regulatory disclosures in accordance with German rules.