Hümmlinger Volksbank eG products, services and reviews

About Hümmlinger Volksbank eG

Hümmlinger Volksbank eG is a regional cooperative bank in the Hümmling/Emsland area of Lower Saxony and is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken. It operates on a member-ownership model in which customers can acquire cooperative shares and exercise voting rights via a representative assembly, with a mandate oriented toward local retail and SME banking. The product range covers current accounts, savings and term deposits, consumer loans and housing finance, payments and cash services, as well as business banking; access to securities brokerage and investment funds, insurance, and building-society savings is offered through partners within the cooperative group. Digital access is available via online banking and a mobile app with strong customer authentication using app-based or chip-based TAN procedures, alongside a local branch and self-service network. Card services typically include a Girocard for domestic payments and withdrawals within the BankCard ServiceNetz, with optional debit or credit cards issued in cooperation with the group; SEPA and SWIFT transfers are supported and charged according to the published fee schedule. Pricing follows account models and service usage, with conditions, interest rates, and disclosures set out in the bank’s Preis- und Leistungsverzeichnis and product information. Deposits are protected by the cooperative sector’s schemes: the BVR Institutssicherung (statutory coverage up to 100,000 EUR per depositor) and the additional institutional protection scheme of the Volksbanken Raiffeisenbanken, which is designed to prevent bank failures. The bank is subject to supervision by BaFin and the Deutsche Bundesbank; annual reports, governance disclosures, service availability, cut-off times, and branch hours are published by the institution and may vary by location within its operating area.