Raiffeisenkasse Rum-Innsbruck/Arzl eGen

Raiffeisenkasse Rum-Innsbruck/Arzl eGen is a regional cooperative bank in Tyrol serving customers in Rum and the Innsbruck/Arzl area. It is an independent institution within the Raiffeisen Banking Group Austria and operates under the Austrian Banking Act with supervision by the Financial Market Authority; eligible deposits are covered by the statutory deposit guarantee up to EUR 100,000 per depositor. The bank provides standard retail and small-business banking, including current and savings accounts, term deposits, SEPA payments, debit and credit cards via group partners, consumer loans, overdrafts, and mortgage financing; for businesses it offers accounts, working-capital facilities, cash management, and point-of-sale or acquiring solutions through partners. Investment funds, securities brokerage, and pension products are distributed via Raiffeisen group platforms, and insurance is brokered through third-party insurers. Access is available through local branches, self-service areas and ATMs, as well as the group’s online and mobile banking with strong customer authentication in line with PSD2. Pricing follows published fee schedules, typically based on account packages and transaction volumes; interest rates and lending terms are determined by product type, risk, and collateral. As a registered cooperative (eGen), customers can become members by subscribing shares and may exercise voting rights at the general assembly in accordance with the statutes. Credit decisions, product scope, and limits are set locally within group frameworks, with specialized needs handled by affiliated Raiffeisen entities where applicable.