Raiffeisenbank Mühlviertler Alm eGen

Raiffeisenbank Mühlviertler Alm eGen is a regional cooperative bank in Upper Austria serving the Mühlviertler Alm area and operating within Raiffeisen Bankengruppe Österreich, with Raiffeisenlandesbank Oberösterreich as the regional central institution. Structured as an eingetragene Genossenschaft, it is owned by cooperative members and is supervised by the Austrian Financial Market Authority and the Oesterreichische Nationalbank; eligible deposits are covered by the Austrian statutory deposit guarantee scheme up to EUR 100,000 per depositor. The bank offers standard retail and small-business services, including current and savings accounts, term deposits, debit and credit cards, SEPA payment services, consumer loans, mortgages, overdrafts, agricultural and SME financing, and brokerage of investment and insurance products via Raiffeisen group partners. Digital access is provided through the Raiffeisen “Mein ELBA” online and mobile banking platform with two-factor authentication; cash services, ATMs, and in-branch advisory are available in the local catchment area, with opening hours varying by location. Account packages generally carry monthly maintenance and card fees; interest rates and lending terms are set individually based on product and credit assessment. Account opening is typically in branch, with video identification and online onboarding available where current policies allow; service is primarily in German. The bank’s footprint and product set are oriented to customers in its region; non-residents and users requiring multicurrency accounts or extensive international features may find scope limited. Securities custody, fund savings plans, and capital markets products are commonly provided via Raiffeisen group platforms and custodians, while international transfers are available through SEPA and SWIFT.