VBU Volksbank im Unterland eG

VBU Volksbank im Unterland eG is a German cooperative bank (eingetragene Genossenschaft) operating in the Unterland region of Baden‑Württemberg and serving private customers, the self‑employed, and small to mid‑sized enterprises. As part of the Genossenschaftliche FinanzGruppe and a member of the BVR, it offers current accounts, savings and term deposits, consumer and home financing, securities brokerage and custody using group partners such as Union Investment and DZ BANK, insurance via R+V Versicherung, building society contracts via Bausparkasse Schwäbisch Hall, and payment and merchant services through VR Payment. Customers can use online banking and the VR Banking app with PSD2‑compliant two‑factor authentication; payment cards include girocard and Visa/Mastercard debit or credit, with contactless payments and support for Apple Pay and Google Pay on eligible cards. Cash withdrawals are available across the nationwide Volksbanken Raiffeisenbanken ATM network. Business clients have access to working capital and investment loans, cash management, POS acquiring, leasing via VR Smart Finanz, and real‑estate or agricultural financing in cooperation with network institutions such as DZ HYP. The bank maintains a local branch presence and offers advisory appointments in person or by phone/video; payments are processed via SEPA and, where applicable, SWIFT through correspondent banks. As a cooperative, individuals may become members with voting rights at the general meeting; any dividend depends on annual results. Deposits are protected by the BVR Institutssicherung GmbH institutional protection scheme, which also fulfills the German Deposit Guarantee Act up to 100,000 euros per depositor. The institution is supervised by BaFin and the Deutsche Bundesbank. Pricing follows account and service packages; conditions, interest rates, and fees depend on the selected model and usage.