Raiffeisenkasse Hart eGen

Raiffeisenkasse Hart eGen is a local cooperative bank in Austria and a member of the Raiffeisen Banking Group; it is a legally independent entity operating under Austrian cooperative law (eGen). It focuses on retail and small business customers in its defined market area, offering current accounts, savings and term deposits, debit cards, domestic and SEPA payments, and cash services via the Raiffeisen ATM network. Lending typically covers overdrafts, consumer loans, housing finance, and SME/agribusiness financing, with credit assessment and collateral requirements applied under internal policies. Securities and investment services are offered within the Raiffeisen network infrastructure, including access to funds from Raiffeisen Capital Management, and insurance brokerage is commonly provided through partner arrangements such as UNIQA. Digital banking is delivered via Raiffeisen’s online and mobile platforms (e.g., Mein ELBA/Raiffeisen Banking app) with PSD2-compliant strong customer authentication. Fees for account maintenance, cards, and transactions are set locally and published in the bank’s price list; conditions and product availability can vary by customer segment. As a cooperative, customers can become members by subscribing cooperative shares; such shares are exposed to issuer risk, are not deposits, and are not covered by deposit insurance. Deposits are protected by Einlagensicherung Austria up to EUR 100,000 per depositor per bank, with statutory higher temporary coverage possible for specific life events, subject to legal requirements. The institution is subject to Austrian regulation and supervision, including the FMA and applicable EU rules, and follows standard KYC/AML procedures. Complaints are handled through the bank’s internal process and can be escalated to the joint conciliation body of the Austrian banking industry.