VOLKSBANK IMMENSTADT eG

Volksbank Immenstadt eG is a regional cooperative bank based in Immenstadt (Bavaria) and part of the Volksbanken Raiffeisenbanken network, serving private individuals, self-employed clients, and small and medium-sized businesses with current accounts, savings products, payments, cards, consumer and housing finance, and basic investment and insurance brokerage via the cooperative group’s providers (such as Union Investment, Bausparkasse Schwäbisch Hall, and R+V Versicherung). Access is provided through local branches, online banking, and the VR Banking app; card services typically include contactless payments and compatibility with widely used mobile wallets, and cash access is available via the BankCard ServiceNetz ATMs across the cooperative network. Prices and conditions are set out in the bank’s schedule of fees and services; account packages generally carry monthly maintenance charges, and additional fees may apply for cards, withdrawals outside the network, instant payments where offered, cross-border transfers, and foreign currency transactions; lending terms depend on credit assessment and collateral. As an eingetragene Genossenschaft (eG), the institution is owned by member-shareholders with local governance and is supervised by BaFin and the Deutsche Bundesbank. Deposits are covered by the BVR institutional protection scheme (BVR Institutssicherung), which fulfills EU requirements, and the cooperative sector maintains a voluntary additional protection scheme. Payments are processed under SEPA with strong customer authentication under PSD2; cross-border transfers outside SEPA are handled via correspondent banking and may involve extra charges and exchange-rate spreads. Business customers can access cash management, merchant acquiring and POS solutions through group providers, and financing for working capital and investment. Complaint handling follows statutory rules and the sector’s procedures, including access to the cooperative banking ombudsman (BVR Ombudsmann). Product availability, digital features, eligibility criteria, and rates can vary by customer segment and are subject to change; current terms and disclosures should be reviewed before account opening or product use.