Heidenheimer Volksbank eG products, services and reviews

About Heidenheimer Volksbank eG

Heidenheimer Volksbank eG is a regional cooperative bank based in Heidenheim an der Brenz and part of the Volksbanken Raiffeisenbanken network in Germany. Its core business covers retail and SME banking, including current accounts, savings and term deposits, cards, consumer and mortgage lending, business loans and overdrafts, cash management, and merchant services via cooperative partners. Investment and securities services are offered within the cooperative financial group (e.g., brokerage and funds via partners such as DZ BANK/Union Investment), and insurance products are typically distributed through the network’s insurers. Building society contracts and home financing solutions are commonly arranged with cooperative providers. Access is through local branches and advisors, online and mobile banking (with two‑factor authentication via app or TAN generator), and the nationwide cooperative ATM network. Pricing generally follows account packages with monthly maintenance fees and itemized charges for transactions, cards, out‑of‑network cash withdrawals, and securities custody; interest rates and credit terms are market‑based and change with conditions. Eligible customers can become members by purchasing cooperative shares, which confer voting rights and a potential dividend if resolved; share acquisition limits, holding periods, and redemption terms apply. The bank is supervised by BaFin and the Deutsche Bundesbank. Deposits are protected by the BVR institutional protection scheme, which includes the statutory deposit guarantee up to 100,000 EUR per depositor and an additional institutional protection mechanism aimed at preventing bank insolvency. Securities and investment advice are provided under MiFID II/WpHG rules with suitability and cost disclosures. Services focus on the Heidenheim area and surrounding region, are primarily delivered in German, and require standard identification under anti‑money laundering regulations; product availability and tariffs are defined in the current price and service list.