Raiffeisenbank Straubing eG

Raiffeisenbank Straubing eG is a regional cooperative bank based in Straubing, Bavaria, and part of the Volksbanken Raiffeisenbanken cooperative financial network. It serves private customers, self-employed individuals, and businesses in Straubing and the surrounding area, offering current accounts, savings and term deposits, domestic SEPA and international payments, cash supply via the cooperative BankCard ServiceNetz ATMs, and card services including girocard and optional Mastercard/Visa products. Digital access includes online and mobile banking with two-factor authentication via app-based TAN or TAN generator; statements and notifications are available electronically, and selected products can be opened online subject to identification requirements, with in-branch onboarding available. Lending covers overdrafts, consumer and vehicle loans, mortgage and real estate financing, and business credit; leasing, factoring, and real asset financing are available through partners within the cooperative group. Investment and securities services are provided in cooperation with entities of the DZ BANK Group, including Union Investment for funds, while insurance is distributed via R+V Versicherung and home-savings contracts via Bausparkasse Schwäbisch Hall; corporate clients can access cash management, merchant services, guarantees, and trade finance with support from group partners such as DZ BANK and DZ HYP. Account models are fee-based with pricing, interest conditions, and service limits defined in the bank’s current schedule of prices and services; cash withdrawals at own and partner ATMs and cash deposits are available where offered by local branches. Deposits are protected by the German statutory deposit guarantee up to 100,000 EUR per depositor and additionally by the institutional protection scheme of the National Association of German Cooperative Banks (BVR), which is designed to safeguard member institutions and customer deposits. As a registered cooperative (eG), customers can become members by subscribing for cooperative shares and receive voting rights in line with the bylaws; any member distribution depends on annual results and resolutions. The bank operates under PSD2 and applicable German banking regulation and publishes required disclosures, terms, and fees on its website.