Dettinger Bank eG Volks- und Raiffeisenbank

Dettinger Bank eG Volks- und Raiffeisenbank operates as a German cooperative bank within the Volksbanken Raiffeisenbanken network, focusing on retail and small and mid-sized business customers in its local market. The product set typically includes current accounts, savings and term deposits, consumer loans, mortgages, and distribution of investment and insurance products from the cooperative financial group (such as Union Investment, R+V Versicherung, DZ BANK, and Bausparkasse Schwäbisch Hall). Account packages generally carry monthly fees, and pricing, interest conditions, and service charges are defined in the Preis- und Leistungsverzeichnis and general terms (AGB). Payments run via SEPA; online and mobile banking use PSD2 strong customer authentication, commonly through the VR Banking app with an authorization procedure; debit cards are issued on the Girocard scheme and credit cards are available through group partners. Cash access is provided through the nationwide BankCard ServiceNet of Volksbanken Raiffeisenbanken ATMs. Business clients can obtain cash management, POS acquiring via VR Payment, and financing solutions for local operations, with trade or capital markets services delivered through network partners where applicable. Deposits are covered by the institutional protection scheme of the National Association of German Cooperative Banks (BVR), which aims to prevent insolvency, alongside statutory deposit insurance up to €100,000 per depositor. Governance follows the cooperative model with member shares and voting rights; any member distribution is subject to annual results and resolutions. Availability of features such as SEPA Instant Credit Transfer and mobile wallet support depends on the bank’s current implementation. Supervision is conducted by BaFin and the Deutsche Bundesbank.