Raiffeisenbank Westhausen eG

Raiffeisenbank Westhausen eG is a regional cooperative bank based in Westhausen (Baden-Württemberg) and part of the Volksbanken Raiffeisenbanken network. It focuses on retail and small-business banking, offering current accounts, savings and term deposits, debit and credit cards, consumer loans, mortgages, and payment services; corporate clients typically find working-capital, investment financing, and cash-management options. Securities custody and brokerage are provided via cooperative-network partners (commonly through the DZ BANK group and Union Investment), with insurance products available via R+V Versicherung. Standard digital channels include online banking and the VR Banking app with two-factor authentication; customers generally access the shared Volksbanken Raiffeisenbanken ATM network, while card and withdrawal fees depend on the chosen account model and card type. As a cooperative, customers may become members by purchasing shares, which grant voting rights and the possibility of dividend distributions subject to annual results and member resolutions. The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the statutory deposit guarantee scheme BVR Institutssicherung GmbH up to 100,000 EUR per depositor; in addition, the BVR Sicherungseinrichtung (institutional protection scheme) is designed to avert insolvency within the cooperative sector. Product availability, pricing, and lending decisions depend on individual eligibility and the bank’s current schedule of prices and services, with branch-based advisory concentrated on the local catchment area. Potential customers should review current terms, identification requirements, and fee disclosures before opening an account or applying for credit.