Raiffeisenbank Regenstauf eG

Raiffeisenbank Regenstauf eG is a regional cooperative bank based in Regenstauf operating under the German eG structure, with customer-members able to subscribe cooperative shares and exercise voting rights under the one-member-one-vote principle; governance is via a management board and supervisory board in line with cooperative law. It is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken and is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the BVR Institutssicherung (the statutory scheme up to 100,000 euros per depositor) and additionally by the voluntary BVR protection scheme aimed at safeguarding the institution. The bank focuses on retail and small to mid-sized business clients in its local area, offering current accounts, savings products, consumer loans, mortgages, and SME financing including access to public development programs such as KfW via on-lending arrangements; investment and securities services are typically provided through group partners (e.g., Union Investment funds, brokerage/custody via the cooperative network), and insurance is available via R+V Versicherung. Payment services cover SEPA transfers and standing orders, girocard and credit cards (Visa/Mastercard via the group), and merchant services including POS terminals; cash access is provided through the nationwide Volksbanken Raiffeisenbanken ATM network, with withdrawals at third-party ATMs generally subject to fees. Delivery channels include local branches and advisory appointments, online banking, and mobile app access offered by the cooperative group; support for contactless and mobile wallets depends on the specific card products issued. Pricing follows the common German model of account packages and pay-per-use fees for selected transactions and services, with conditions varying by package, channel, and usage; interest rates on deposits and loans are variable and subject to market and credit factors. As a regionally oriented institution, product availability, lending decisions, and service hours are aligned with the local market, which may limit certain specialist or international services compared with larger or purely digital banks; investment products carry market and product-specific risks and are not covered by deposit protection.