Volksbank Überherrn e.G.

Volksbank Überherrn eG is a member-owned cooperative bank based in Überherrn (Saarland) that focuses on retail and small-business banking in its local market. It offers current accounts, payment services (including SEPA transfers, standing orders, and direct debits), girocard and credit cards, savings products, and financing such as overdrafts, consumer loans, and real estate lending; corporate clients typically find business accounts, payments, and investment and working-capital financing, with access to products from the cooperative financial network (e.g., Union Investment for investments, R+V Versicherung for insurance, and Bausparkasse Schwäbisch Hall for building-society savings). Service is provided through branch counters, self-service machines, and digital channels, including online banking and the VR Banking App with strong customer authentication in line with PSD2. Cash supply is available via the bank’s own ATMs and the BankCard ServiceNetz used by Volksbanken Raiffeisenbanken. As a registered cooperative, customers can become member-shareholders; members hold voting rights at the general meeting, and any dividend on shares depends on annual results and resolutions. Deposits are protected under the institutional protection scheme of the National Association of German Cooperative Banks (BVR) and the statutory BVR Institutssicherung GmbH recognized under the German Deposit Guarantee Act (statutory protection generally up to 100,000 euros per depositor). The bank publishes mandatory disclosures and price information (Preis- und Leistungsverzeichnis/Preisaushang); fees and interest conditions vary by account model and product and are set out in the current tariff documents. Volksbank Überherrn eG is subject to supervision by BaFin and the Deutsche Bundesbank and applies the relevant German and EU regulatory frameworks for risk management and payments.