Raiffeisenbank Mattigtal eGen

Raiffeisenbank Mattigtal eGen is a regional cooperative bank in the Raiffeisen Banking Group Austria serving retail clients, farmers, and small and mid-sized enterprises in the Mattigtal area of Upper Austria; it operates under the legal form of a registered cooperative (eingetragene Genossenschaft), with customers able to become members by subscribing cooperative shares and exercising voting rights at the general assembly. The bank provides standard retail and business banking services, including current and savings accounts, term deposits, SEPA payments, debit cards, credit cards via group partners, consumer loans, mortgages, overdrafts, and financing for agriculture and SMEs; it also distributes investment and securities services (for example mutual funds and custody accounts, typically via group providers such as Raiffeisen Capital Management or KEPLER-FONDS in Upper Austria), leasing solutions via Raiffeisen-Leasing, and insurance brokerage commonly arranged through UNIQA Group. Access is offered through local branches and advisors, as well as online and mobile banking on the Raiffeisen “Mein ELBA” platform and the Raiffeisen Banking app with two-factor authentication; cash services are available via the nationwide Bankomat network and Raiffeisen ATMs. Pricing is generally package-based with monthly account fees, separate card fees, and charges for transactions outside included allowances; business tariffs and lending rates depend on risk, collateral, and relationship factors, and the bank publishes conditions and fee schedules as required by Austrian law. Raiffeisenbank Mattigtal eGen is supervised within Austria’s regulatory framework (FMA and OeNB) and is part of the Raiffeisen institutional protection scheme (Haftungsverbund); eligible deposits are protected by Einlagensicherung AUSTRIA GmbH up to EUR 100,000 per depositor under the statutory deposit guarantee, while securities in custody are client assets and not covered by the deposit guarantee. The bank’s strengths are its local presence and integration into the nationwide Raiffeisen infrastructure; limitations include a geographic branch focus, package-fee pricing that may not suit low-usage customers, and product availability that reflects group platforms and partners; customers with needs outside the region or requiring specialized capital markets or international services may find more comprehensive options at larger institutions.