Volksbank Uelzen-Salzwedel eG

Volksbank Uelzen-Salzwedel eG is a regional cooperative bank serving the Uelzen and Salzwedel area and adjacent districts in northern Germany. Organized as a registered cooperative, it is owned by members who hold cooperative shares and exercise voting rights at the general assembly; oversight is structured through a Management Board and a Supervisory Board. The bank operates local branches and self-service facilities and provides access to the nationwide Volksbanken Raiffeisenbanken ATM network. Its product set covers current and savings accounts for private and business customers, payment services and cards (girocard and credit cards offered via the Genossenschaftliche FinanzGruppe), consumer and mortgage lending, SME and agricultural finance, and treasury and corporate services appropriate for regional mid-sized companies. Securities custody and investment products are distributed via group partners such as Union Investment; insurance solutions are available through R+V; merchant acquiring and e-commerce payments are provided via VR Payment; leasing and other financing options are accessible through affiliated providers within the cooperative network. Digital channels include online banking and the VR Banking App with strong customer authentication (e.g., SecureGo plus), supported by the cooperative IT platform operated by Atruvia AG. Deposits are secured by the BVR Institutssicherung GmbH (statutory deposit guarantee scheme under German law) up to 100,000 EUR per depositor, complemented by the cooperative sector’s institutional protection scheme aimed at preventing insolvency. Pricing and conditions follow the published schedule of fees; account models and service packages vary by usage profile. The institution is part of the Genossenschaftliche FinanzGruppe with DZ BANK AG as central institution and is supervised under German banking regulation by the competent authorities.