Raiffeisenbank Aspach-Wildenau eGen

Raiffeisenbank Aspach-Wildenau eGen is a local cooperative bank in Upper Austria’s Innviertel region serving Aspach, Wildenau and nearby communities, operating within the Raiffeisen Bankengruppe Oberösterreich and the nationwide Raiffeisen network with Raiffeisenlandesbank Oberösterreich as the central institution. As a registered cooperative (eGen), it is owned by member-shareholders and is supervised under Austrian law by the Financial Market Authority and the Oesterreichische Nationalbank. The bank focuses on everyday retail and SME banking, offering current accounts (AT-IBAN, SEPA payments), savings and term deposits, debit and credit cards, consumer and housing loans, agricultural and business financing, and auxiliary services such as securities custody and investment funds distributed through Raiffeisen group providers; insurance is typically mediated via group-affiliated partners. Access is provided through local branches, ATMs, and digital channels via Mein ELBA online and mobile banking with strong customer authentication (Raiffeisen ID) in line with PSD2; features include account overview, transfers, standing orders, e-statements and card controls. Accounts are generally priced on a package basis with monthly maintenance fees and itemized charges for certain transactions; cash handling and paper instructions may attract surcharges; detailed conditions, rates and tariffs are set out in the bank’s price list and depend on customer segment. Deposits are protected by the Austrian statutory deposit guarantee up to 100,000 EUR per depositor per bank, subject to legal limits, and the bank participates in the Raiffeisen institutional protection scheme that provides additional group-level support. Primary service language is German, and branch opening hours follow standard business times; remote onboarding and specific product availability can vary. The institution’s footprint is regional and international or multi-currency services are limited; savings rates and fees track local market conditions and can change. This setup suits residents, associations and small businesses in the immediate area seeking face-to-face advisory alongside standard Austrian digital banking functionality.