Raiffeisenbank Hinterstoder und Vorderstoder eGen

Raiffeisenbank Hinterstoder und Vorderstoder eGen is a local cooperative bank in Upper Austria serving the municipalities of Hinterstoder and Vorderstoder and operating within the Raiffeisen Bankengruppe network. As a registered cooperative (eGen), ownership is held by members who may acquire cooperative shares and exercise voting rights under the bank’s statutes; day‑to‑day banking is open to non‑members subject to standard eligibility checks. The bank offers retail and small‑business services typical for Austrian Raiffeisen banks, including giro accounts (with youth and student variants where applicable), savings accounts and term deposits, domestic and SEPA payments (including standing orders and direct debits), debit cards for cash withdrawals and point‑of‑sale payments, and credit cards issued via group partners. Lending covers overdrafts, consumer loans, and housing finance/mortgages, with terms based on credit assessment and collateral; agricultural and SME financing is available in line with the region’s needs. Securities accounts and investment funds, as well as insurance brokerage, are generally provided in cooperation with Raiffeisen group companies and are subject to product‑specific risks and costs. Digital access is available via online and mobile banking for transfers, card controls, and secure authentication (e.g., strong customer authentication and 3‑D Secure); support for instant payments and mobile wallets depends on the bank’s current rollout and the customer’s card/product setup. Account and card pricing follows published tariffs, which typically include maintenance, transaction, and card fees that vary by package and usage; the applicable schedule and contractual documents govern all charges and conditions. Cash services and ATM access are provided through the Austrian Bankomat network, with branch‑based advisory available by appointment. The bank is supervised under Austrian law, and eligible deposits are protected up to EUR 100,000 per depositor by the statutory scheme (Einlagensicherung Austria); the Raiffeisen sector’s institutional protection system provides additional group support but does not replace the legal deposit guarantee. Terms, features, and availability can change; prospective customers should review the latest product sheets, pre‑contractual information, and tariff notices before opening or switching accounts.